Best Volkswagen Jetta Insurance in Durham

Discount Volkswagen Jetta insuranceHow long has it been since you compared low-cost Volkswagen Jetta insurance in Durham? Having to pay for pricey Volkswagen Jetta insurance in Durham can deplete your personal savings and put the squeeze on your family’s finances.

Shockingly, a large majority of car insurance policyholders have purchased from the same company for over three years, and approximately 40% of consumers have never compared car insurance rates at all. Most drivers in North Carolina could cut their rates by $94 a year by just shopping around, but most undervalue the actual amount they would save if they bought a different policy. Due to the fact that there are so many companies and agents to choose from, it is very difficult to find the most affordable car insurance provider.

Smart consumers take time to get comparison quotes occasionally because prices are constantly changing. Even if you think you had the best quotes on Volkswagen Jetta insurance in Durham a few years ago a different company probably has better rates today. Ignore everything you know about car insurance because you’re about to find out the best methods to properly buy coverages while reducing your premium.

Cheaper rates with these premium slashing discounts

Insurance can be prohibitively expensive, but companies offer discounts that may help make it more affordable. Certain discounts will be applied when you get a quote, but a few must be requested specifically before being credited. If you do not double check each discount possible, you could be saving more on your auto insurance.

Policy discounts save money, but most credits do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, you aren’t that lucky.

The example below compares Volkswagen Jetta premium costs with and without discounts applied to the policy rates. The data assumes a female driver, no accidents, no driving violations, North Carolina state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, safe-driver, multi-policy, and claim-free discounts applied.

A few popular companies and some of the premium reductions they offer are outlined below.

If you need lower rates, check with each company or agent which discounts you may be entitled to. Discounts might not be available to policyholders in every state. If you would like to view auto insurance companies that offer many of these discounts in North Carolina, click here to view.

Shop Volkswagen Jetta insurance online

Most major insurance companies give pricing on their websites. Doing online price comparisons for Volkswagen Jetta insurance in Durham can be done by anyone as you just enter your coverage information into a form. After the form is submitted, the quote system pulls credit information and your driving record and returns pricing information based on many factors. The ability to get online price quotes for Volkswagen Jetta insurance in Durham makes it easy to compare insurance prices and it is important to have as many quotes as possible if you want to get lower-cost auto insurance pricing.

In order to fill out one form to compare multiple rates now, visit the companies below or click here to submit a quote request to multiple companies at once. To compare your current rates, we recommend you replicate the insurance coverages as close as possible to your current policy. Doing this assures you will have rate quotes for the exact same coverage.

The following companies can provide quotes in North Carolina. If multiple companies are listed, we suggest you visit two to three different companies in order to get a fair rate comparison.

Auto insurance statistics and figures

The rate table displayed below covers a range of coverage prices for Volkswagen Jetta models. Having a good understanding how insurance prices are formulated is important for you to make smart choices when buying a policy.

Volkswagen Jetta Insurance Rates in Durham, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $136 $204 $326 $20 $98 $784 $65
Jetta S 2.5 Station Wagon $136 $204 $278 $16 $84 $718 $60
Jetta LE 4-Dr Sedan $136 $204 $326 $20 $98 $784 $65
Jetta SE 4-Dr Sedan $152 $240 $326 $20 $98 $836 $70
Jetta SE 2.5 Station Wagon $152 $240 $278 $16 $84 $770 $64
Jetta 2.0T 4-Dr Sedan $152 $240 $326 $20 $98 $836 $70
Jetta SEL 4-Dr Sedan $152 $240 $326 $20 $98 $836 $70
Jetta 2.0T Station Wagon $152 $240 $278 $16 $84 $770 $64
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate quotes do not factor in garaging location in Durham which can modify coverage rates noticeably.

How high should deductibles be?

When buying auto insurance, a common question is where to set your physical damage deductibles. The following insurance rates show the rate fluctuation when you select higher and lower insurance deductibles. The first price estimate table uses a $250 physical damage coverage deductible and the second pricing table uses a $500 deductible.

Volkswagen Jetta insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $192 $324 $250 $14 $74 $879 $73
Jetta S 2.5 Station Wagon $192 $324 $212 $12 $64 $829 $69
Jetta LE 4-Dr Sedan $192 $324 $250 $14 $74 $879 $73
Jetta SE 4-Dr Sedan $218 $382 $250 $14 $74 $963 $80
Jetta SE 2.5 Station Wagon $218 $382 $212 $12 $64 $913 $76
Jetta 2.0T 4-Dr Sedan $218 $382 $250 $14 $74 $963 $80
Jetta SEL 4-Dr Sedan $218 $382 $250 $14 $74 $963 $80
Jetta 2.0T Station Wagon $218 $382 $212 $12 $64 $913 $76
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Volkswagen Jetta insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $156 $262 $250 $14 $74 $756 $63
Jetta S 2.5 Station Wagon $156 $262 $212 $12 $64 $706 $59
Jetta LE 4-Dr Sedan $156 $262 $250 $14 $74 $756 $63
Jetta SE 4-Dr Sedan $176 $308 $250 $14 $74 $822 $69
Jetta SE 2.5 Station Wagon $176 $308 $212 $12 $64 $772 $64
Jetta 2.0T 4-Dr Sedan $176 $308 $250 $14 $74 $822 $69
Jetta SEL 4-Dr Sedan $176 $308 $250 $14 $74 $822 $69
Jetta 2.0T Station Wagon $176 $308 $212 $12 $64 $772 $64
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rates do not factor in specific Durham garaging location which can impact coverage rates significantly.

Based on these figures, using a $250 deductible will cost you about $11 more each month or $132 a year averaged for all Jetta models than choosing the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 23 months between claims, you would probably come out ahead if you decide on a higher deductible.

The illustration below illustrates how your deductible choice and can change Volkswagen Jetta insurance premiums for different insured age categories. The premiums assume a married male driver, full coverage, and no additional discounts are factored in.

Auto insurance cost for men versus women in Durham

The information below shows the comparison of Volkswagen Jetta annual premium costs for male and female drivers. The information is based on no accidents, no driving violations, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

Volkswagen Jetta liability rates compared to full coverage

The diagram below visualizes the comparison of Volkswagen Jetta car insurance costs when comparing full coverage to liability only. The information is based on a clean driving record, no claims, $100 deductibles, marital status is single, and no discounts are factored in.

Should you pay for full coverage or liability only?

There is no set guideline of when to phase out comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s pretend your Volkswagen Jetta settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $4,000 after you pay the deductible. If you are paying over $400 a year for physical damage coverage, then it might be time to consider dropping full coverage.

There are some scenarios where only buying liability is not a good plan. If you haven’t satisfied your loan, you have to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage.

Components of Your Volkswagen Jetta Insurance Premiums

The best way to find cheaper auto insurance is to take a look at some of the factors that come into play when calculating your premiums. If you know what influences your rates, this allows you to make good choices that may reward you with lower premium levels.

Insurance is available from your local insurance agencies

Certain consumers would rather sit down with an agent and doing so can bring peace of mind Good insurance agents can make sure you are properly covered and help file insurance claims. An additional benefit of price shopping on the web is that drivers can save money and get better rates but also keep your business local.

Insurance agents in DurhamAfter filling out this simple form, your coverage information is emailed to insurance agents in Durham who will give you quotes for your business. You won’t even need to do any legwork because quoted prices will be sent to the email address you provide. If you want to get a price quote for a specific company, just visit that company’s website to submit a rate quote request.

Picking an insurance company shouldn’t rely on just the quoted price. These questions are important to ask:

Types of auto insurance agents in Durham

If you want a reputable insurance agent or broker, it helps to know the two different agency structures and how they can service your needs differently. Agents can be categorized as either independent or exclusive. Both types of agents can insure your vehicles properly, but it’s a good idea to understand the differences since it can affect the selection process.

Exclusive Agencies

Agents in the exclusive channel have only one company to place business with and examples are Farmers Insurance, Allstate, or State Farm. They are unable to shop your coverage around so you might not find the best rates. Exclusive agencies are well schooled on what they offer and that allows them to sell at a higher price point.

Below is a list of exclusive insurance agents in Durham that are able to give comparison quotes.

5842 Fayetteville Rd #112Durham, NC 27713(919) 544-8101View Map

3702 Hillsborough Rd #2bDurham, NC 27705(919) 383-3887View Map

2402 S Miami Blvd #103Durham, NC 27703(919) 993-3555View Map

View more Durham agents

Independent Insurance Agents

Agents that elect to be independent are not limited to a single company and that is an advantage because they can write policies through lots of different companies and find you cheaper rates. If they quote lower rates, your policy is moved internally and that require little work on your part. If you are comparing insurance prices, it’s recommended you contact a few independent agents so that you can do a thorough price comparison.

The following are independent agents in Durham that can give you price quotes.

1210 Cole Mill Rd Suite 101Durham, NC 27705(919) 294-6613View Map

5410Durham, NC 27713(919) 484-8400View Map

3200 Croasdaile Dr # 603Durham, NC 27705(919) 294-6613View Map

View more Durham agents

After getting good responses to your questions and a low price estimate, you have narrowed it down to an insurance agent that meets the requirements to provide insurance coverage.

Car insurance is not optional but you don’t have to overpay

Despite the high insurance cost for a Volkswagen Jetta in Durham, maintaining insurance is not optional due to several reasons.

The benefits of insuring your Jetta greatly outweigh the cost, especially when you need to use it. Unknowingly, the average driver is overpaying more than $800 each year so compare rate quotes at every renewal to be sure current rates are still competitive.

Best auto insurance company in North Carolina

Insuring your vehicle with a highly-rated insurance provider is hard considering how many choices you have in Durham. The company ratings below could help you select which coverage providers you want to consider comparing rates with.

Top 10 Durham Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. AAA Insurance
  4. Nationwide
  5. Allstate
  6. State Farm
  7. The Hartford
  8. Safeco Insurance
  9. Progressive
  10. American Family

Affordable auto insurance premiums are out there

We covered a lot of information how to save on Volkswagen Jetta insurance in Durham. The key thing to remember is the more companies you get prices for, the better chance you’ll have of finding cheaper Durham auto insurance quotes. You may even be surprised to find that the lowest premium rates come from the least-expected company. These companies may often insure only within specific states and give better rates compared to the large companies like State Farm, GEICO and Nationwide.

There are still a few companies who don’t offer rate quotes online and usually these smaller companies provide coverage only through independent agents. Budget-friendly auto insurance in Durham is attainable both online and also from your neighborhood Durham agents, so compare prices from both to get a complete price analysis.

How to find affordable Volkswagen Jetta insurance in Durham

If saving money is your primary concern, then the best way to get more affordable Volkswagen Jetta insurance in Durham is to make a habit of regularly comparing prices from insurers who provide auto insurance in North Carolina. This can be done by completing these steps.

First, gain an understanding of how auto insurance works and the measures you can control to keep rates in check. Many factors that result in higher rates like tickets, at-fault accidents, and a low credit rating can be controlled by making minor changes to your lifestyle.

Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like Progressive or State Farm, while independent agents can provide prices from multiple companies.

Third, compare the new quotes to your existing coverage and determine if there is any savings. If you can save some money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.

A key point to remember is that you’ll want to make sure you compare similar coverage information on each quote request and and to get quotes from as many carriers as you can. Doing this provides a fair price comparison and many rates to choose from.

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