Find Cheaper Volkswagen Jetta Insurance in Tucson

It’s safe to assume that car insurance companies don’t want their policyholders to compare prices. Insureds who shop around for cheaper prices will most likely buy a different policy because there is a high probability of finding discount prices. A recent car insurance study discovered that drivers who compared rates regularly saved an average of $865 annually compared to other drivers who never compared prices.

If finding the lowest rates on car insurance is the reason you’re here, then understanding how to find companies and compare coverage rates can help make the process easier and more efficient.

Discount Volkswagen Jetta insuranceIf your goal is the lowest price, then the best way to find cheaper quotes for car insurance rates in Tucson is to make a habit of regularly comparing prices from insurance carriers in Arizona.

First, read and learn about the different coverages in a policy and the modifications you can make to prevent expensive coverage. Many risk factors that drive up the price like traffic tickets, fender benders, and a negative credit rating can be remedied by making minor driving habit or lifestyle changes. Later in this article we will cover more details to help prevent high rates and find hidden discounts.

Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO and Allstate, while independent agents can provide rate quotes for many different companies.

Third, compare the quotes to your existing rates to see if cheaper Jetta coverage is available in Tucson. If you can save money, ensure coverage does not lapse between policies.

Fourth, notify your current company of your decision to cancel your current policy. Submit payment along with a signed and completed policy application to your new insurance company. As soon as you can, keep your new proof of insurance certificate with the vehicle registration.

A good tip to remember is to compare identical deductibles and limits on every price quote and and to get quotes from as many carriers as you can. This provides an accurate price comparison and the most accurate and complete price analysis.

Tucson car insurance discounts

Insuring your vehicles can cost a lot, but there may be some discounts that may help make it more affordable. Certain discounts will be triggered automatically at the time of purchase, but once in a while a discount must be asked about prior to getting the savings.

It’s important to note that most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky.

The example below compares Volkswagen Jetta auto insurance costs with and without discounts applied. The costs are based on a female driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, claim-free, safe-driver, multi-car, and homeowner discounts applied.

A few of the larger companies and some of the discounts are:

When quoting, ask every prospective company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply in your area. To see a list of insurers who offer online Volkswagen Jetta insurance quotes in Arizona, follow this link.

When shopping for Volkswagen Jetta insurance in Tucson there are multiple ways of comparing rates from all the different companies. The fastest way to find the lowest Volkswagen Jetta rates is to use the internet to compare rates. When comparing auto insurance rates, know that comparing a large number of companies will enable you to find a better price.

The companies shown below are our best choices to provide free rate quotes in Tucson, AZ. If multiple companies are listed, we recommend you visit several of them in order to find the lowest rates.

Analysis of coverages

The coverage information shown below showcases detailed analysis of insurance rates for Volkswagen Jetta models. Learning more about how insurance premiums are determined can help drivers make informed decisions when comparing rate quotes.

Volkswagen Jetta Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $146 $268 $288 $18 $86 $806 $67
Jetta S 2.5 Station Wagon $146 $268 $244 $14 $74 $746 $62
Jetta LE 4-Dr Sedan $146 $268 $288 $18 $86 $806 $67
Jetta SE 4-Dr Sedan $166 $316 $288 $18 $86 $874 $73
Jetta SE 2.5 Station Wagon $166 $316 $244 $14 $74 $814 $68
Jetta 2.0T 4-Dr Sedan $166 $316 $288 $18 $86 $874 $73
Jetta SEL 4-Dr Sedan $166 $316 $288 $18 $86 $874 $73
Jetta 2.0T Station Wagon $166 $316 $244 $14 $74 $814 $68
Get Your Own Custom Quote Go

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can revise coverage prices substantially.

Higher deductibles save money

One of the more difficult decisions when buying insurance is which comprehensive and collision deductibles to buy. The comparison tables below lay out the rate difference when you buy lower versus higher coverage deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.

Volkswagen Jetta insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $258 $466 $300 $18 $90 $1,157 $96
Jetta S 2.5 Station Wagon $258 $466 $254 $16 $76 $1,095 $91
Jetta LE 4-Dr Sedan $258 $466 $300 $18 $90 $1,157 $96
Jetta SE 4-Dr Sedan $292 $548 $300 $18 $90 $1,273 $106
Jetta SE 2.5 Station Wagon $292 $548 $254 $16 $76 $1,211 $101
Jetta 2.0T 4-Dr Sedan $292 $548 $300 $18 $90 $1,273 $106
Jetta SEL 4-Dr Sedan $292 $548 $300 $18 $90 $1,273 $106
Jetta 2.0T Station Wagon $292 $548 $254 $16 $76 $1,211 $101
Get Your Own Custom Quote Go

Volkswagen Jetta insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $188 $314 $300 $18 $90 $910 $76
Jetta S 2.5 Station Wagon $188 $314 $254 $16 $76 $848 $71
Jetta LE 4-Dr Sedan $188 $314 $300 $18 $90 $910 $76
Jetta SE 4-Dr Sedan $212 $370 $300 $18 $90 $990 $83
Jetta SE 2.5 Station Wagon $212 $370 $254 $16 $76 $928 $77
Jetta 2.0T 4-Dr Sedan $212 $370 $300 $18 $90 $990 $83
Jetta SEL 4-Dr Sedan $212 $370 $300 $18 $90 $990 $83
Jetta 2.0T Station Wagon $212 $370 $254 $16 $76 $928 $77
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rate quotes do not factor in your specific Tucson location which can affect coverage rates substantially.

Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $22 more each month or $264 each year across all Volkswagen Jetta models than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 18 months between claims, you would more than likely save some money if you choose a higher deductible.

The chart below shows how choosing a deductible and can affect Volkswagen Jetta insurance prices for each age group. The data is based on a married female driver, comp and collision included, and no discounts are applied to the premium.

Comparison of full coverage and liability-only policies

The example below visualizes the comparison of Volkswagen Jetta car insurance costs when comparing full coverage to liability only. The premiums assume a clean driving record, no claims, $250 deductibles, single marital status, and no discounts are applied.

When to stop buying full coverage

There isn’t a steadfast formula of when to stop paying for physical damage coverage, but there is a guideline you can consider. If the annual cost of coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s say your Volkswagen Jetta replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after the policy deductible has been paid. If you are currently paying more than $400 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where only buying liability is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage.

Lower the Price of Car Insurance with These Tips

A large part of saving on car insurance is knowing some of the factors that help determine your car insurance rates. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that may reward you with lower car insurance prices.

The items below are some of the factors car insurance companies consider when setting your prices.

Avoid traffic tickets – Whether or not you get tickets has a huge affect on how much you pay. Getting just one driving citation could increase your next policy renewal by twenty percent. Drivers with clean records have lower premiums than their less careful counterparts. Drivers who have gotten license-revoking violations like DWI, reckless driving or hit and run convictions may need to maintain a SR-22 with their state’s licensing department in order to drive a vehicle legally.

The chart below demonstrates how traffic citations and at-fault accidents can impact Volkswagen Jetta insurance prices for each different age group. The costs are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

Physical damage deductibles – Comprehensive and collision coverage deductibles define how much the insured will be required to pay if the claim is covered. Physical damage insurance, aka comp and collision, is used to repair damage to your car. A few examples of covered claims are collision with another vehicle, fire damage, or theft of your vehicle. The more money the insured is willing to pay, the less money you will pay for car insurance.

Consolidate policies with the same company – Many companies allow better rates to clients that have more than one policy, otherwise known as a multi-policy discount. This can amount to as much as ten percent or more Even though this discount sounds good, it’s always a smart idea to compare other Tucson Jetta insurance rates to help ensure you have the lowest rates.There is a chance you can find better rates even if you have your coverage with different companies

Prices impacted by vehicle usage – The higher the miles on your Volkswagen in a year’s time the higher the price you pay to insure it. Almost all companies rate vehicles partially by how you use the vehicle. Cars that do not get driven very much receive better premium rates than vehicles that have high annual mileage. An incorrectly rated Jetta can result in significantly higher rates. Make sure your car insurance policy properly reflects the correct usage for each vehicle, because improper ratings can cost you money.

Safer cars are cheaper to insure – Cars with five star safety ratings get lower rates. Vehicles built for safety have better occupant injury protection and fewer serious injuries means less claims paid and lower rates for you.

Insurance rates are higher for high performance vehicles – The type of vehicle you need to insure makes a significant difference in how high your rates are. The best insurance prices are for the lowest performance passenger models, but that’s not the only thing that factors into the final price.

The chart below uses these assumptions: married male driver age 40, full coverage with $500 deductibles, and no discounts or violations. It shows Volkswagen Jetta rates compared to other vehicles that have a range of performance risks.

Volkswagen Jetta statistical loss data – Insurers use past loss statistics for each vehicle as a way to help calculate a profitable premium rate. Models that historically have higher losses will cost more for coverage. The data below shows the insurance loss data for Volkswagen Jetta vehicles.

For each coverage type, the statistical loss for all vehicles averaged together equals 100. Percentages below 100 are indicative of better than average losses, while percentages above 100 indicate more frequent claims or statistically larger losses.

Volkswagen Jetta Insurance Loss Statistics
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Volkswagen Jetta 110 118 93 113 123 127
Volkswagen Jetta Hybrid 128 121 114 104

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years

Exclusive versus independent insurance agents

Certain consumers still prefer to get advice from a local agent and that can be a smart move The best thing about price shopping on the web is that you can obtain cheap auto insurance rates and still have a local agent.

Insurance agency in TucsonTo make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is instantly submitted to local insurance agents in Tucson who will give you bids and help you find cheaper coverage. It’s much easier because you don’t need to contact an agency because quoted prices will be sent directly to your email. You can get cheaper auto insurance rates without a big time investment. If you have a need to quote rates from a particular provider, you would need to navigate to their website and complete a quote there.

Picking the best provider is decision based upon more than just the quoted price. Before buying a policy in Tucson, get answers to these questions.

Exclusive and independent Tucson auto insurance agents

When finding a local Tucson insurance agent, it helps to know the two types of agencies and how they can service your needs differently. Tucson agents can be categorized as either independent (non-exclusive) or exclusive.

Exclusive Auto Insurance Agencies

Agents that choose to be exclusive can usually just insure with one company such as Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot give you multiple price quotes so it’s a take it or leave it situation. Exclusive insurance agents are well trained in insurance sales which helps them sell insurance even at higher premiums. Consumers often purchase coverage from exclusives primarily because of the brand and solid financial strength.

The following is a list of exclusive agencies in Tucson who may provide you with rate quotes.

View more agents

Independent Agents (or Brokers)

These type of agents are not employed by any specific company so they have the ability to put coverage through lots of different companies and get the cheapest rates. If premiums increase, they simply move your policy to a different company and you won’t have to switch agencies. If you are comparing auto insurance prices, we recommend you get several quotes from independent agents to get the most accurate price comparison. Most also write with less well-known companies which can be an advantage.

The following are Tucson independent insurance agencies who can help you get rate quotes.

View more agents

Car insurance does more than just repair your car

Even though it can be expensive, maintaining insurance serves an important purpose.

The benefits of buying enough insurance are definitely more than the cost, specifically if you ever have a liability claim. Today the average American driver is overpaying over $850 per year so you should quote your policy with other companies each time the policy renews to be sure current rates are still competitive.

Ratings for Arizona car insurance companies

Selecting a highly-rated insurance provider can be difficult considering how many companies there are to choose from in Tucson. The ranking data below can help you decide which car insurance companies you want to consider comparing rates with.

Best Car Insurance Companies in Tucson
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
Compare Rates Now Go

Data Source: Best Car Insurance Companies

Be persistent and save

We’ve covered quite a bit of information on how to lower your Volkswagen Jetta insurance auto insurance rates in Tucson. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding inexpensive Tucson car insurance quotes. Consumers may even find the lowest auto insurance rates come from some of the smallest insurance companies.

A few companies may not have rates over the internet and most of the time these small, regional companies only sell coverage through independent agents. The cheapest Volkswagen Jetta insurance in Tucson is available both online and with local Tucson insurance agents, so you need to compare both to have the best rate selection.

As you shop your coverage around, never reduce needed coverages to save money. In many instances, someone dropped physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

Other resources