Cheap Quotes for Volkswagen Jetta Insurance in Corpus Christi

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Insurance for Volkswagen JettaShockingly, almost 70% of insureds have stayed with the same insurance company for four years or more, and practically 40% of insurance customers have never compared rates with other companies. Corpus Christi drivers could save an average of nearly 70% each year just by comparing rates, but they underestimate how much they could save if they switched to a cheaper policy.

The easiest way to get the cheapest Volkswagen Jetta insurance is to compare prices annually from companies who can sell car insurance in Corpus Christi. Rates can be compared by following these guidelines.

First, try to learn about individual coverages and the steps you can take to prevent high rates. Many policy risk factors that result in higher prices like distracted driving and an unacceptable credit history can be improved by being financially responsible and driving safely.

Second, compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Allstate, while independent agencies can give you price quotes from multiple companies. Find a Corpus Christi insurance agent

Third, compare the price quotes to your existing policy to see if switching to a new carrier will save money. If you can save some money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, notify your company or agent of your decision to cancel the current policy. Submit a signed application and payment for your new policy. Be sure to store the certificate verifying proof of insurance in an easily accessible location in your vehicle.

A good tip to remember is that you'll want to make sure you compare identical deductibles and limits on every quote and and to get prices from all possible companies. Doing this guarantees a fair rate comparison and the most accurate and complete price analysis.

The method we recommend to compare insurance rates in your area takes advantage of the fact most of the bigger providers pay for the opportunity to quote your coverage. The only thing you need to do is take a few minutes to give details including if you have an active license, your education level, the make and model of your vehicles, and if a SR-22 is needed. Your insurance information gets sent immediately to many highly-rated insurers and you will receive price estimates immediately.

If you would like to compare rates now, click here and enter your zip code.

The providers in the list below are our best choices to provide free rate quotes in Texas. In order to find the best car insurance in Texas, it's a good idea that you visit two to three different companies in order to find the most competitive rates.

Get cheaper Volkswagen Jetta insurance in Corpus Christi with discounts

Some insurers don't always advertise all discounts very clearly, so here is a list some of the more common as well as the least known ways to save on auto insurance.Discount auto insurance

  • ABS Braking Discount - Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Discount for Good Grades - Maintaining excellent grades may save you up to 25%. The discount lasts up until you turn 25.
  • Low Mileage Discounts - Driving less may enable drivers to earn better rates on cars that stay parked.
  • Multiple Policy Discount - If you can combine your homeowners and auto policy with one insurance company they may give you a discount of up to 20% off your total Jetta insurance premium.
  • Passive Restraints - Factory options such as air bags could see savings of 20 to 30 percent.
  • Discount for Swiching Early - Some auto insurance companies reward drivers for switching companies prior to the expiration date on your current Jetta insurance policy. You could save around 10% when you buy Corpus Christi car insurance online.
  • Discounts for Cautious Drivers - Drivers without accidents may receive a discount up to 45% compared to rates paid by drivers with frequent claims.
  • Savings for New Vehicles - Buying insurance coverage on a new vehicle is cheaper since newer vehicles are generally safer.
  • Employee of Federal Government - Having worked for a branch of the government could cut as much as 10% off depending on your company.

A little disclaimer on discounts, many deductions do not apply to the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, that's just not realistic.

The chart below compares Volkswagen Jetta insurance premiums with and without policy discounts. The rates are based on a female driver, no claims or driving violations, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, multi-policy, homeowner, and safe-driver discounts applied.

To see auto insurance companies that offer many of these discounts in Corpus Christi, follow this link.

Analysis of Volkswagen Jetta rates

The information displayed below showcases detailed analysis of coverage prices for Volkswagen Jetta models. Learning a little about how car insurance prices are determined can be valuable when making smart policy decisions.

Volkswagen Jetta Insurance Rates in Corpus Christi, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $186 $340 $366 $22 $110 $1,024 $85
Jetta S 2.5 Station Wagon $186 $340 $310 $18 $94 $948 $79
Jetta LE 4-Dr Sedan $186 $340 $366 $22 $110 $1,024 $85
Jetta SE 4-Dr Sedan $210 $400 $366 $22 $110 $1,108 $92
Jetta SE 2.5 Station Wagon $210 $400 $310 $18 $94 $1,032 $86
Jetta 2.0T 4-Dr Sedan $210 $400 $366 $22 $110 $1,108 $92
Jetta SEL 4-Dr Sedan $210 $400 $366 $22 $110 $1,108 $92
Jetta 2.0T Station Wagon $210 $400 $310 $18 $94 $1,032 $86
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Prices do not factor in specific location which can alter prices substantially.

Car insurance deductibles

The hardest decision when buying coverage is where should you set your physical damage deductibles. The rates shown below may help you to understand the cost difference when you buy lower versus higher physical damage deductibles. The first rate table uses a $100 physical damage coverage deductible and the second price chart uses a $1,000 deductible.

Volkswagen Jetta insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $328 $592 $382 $22 $114 $1,463 $122
Jetta S 2.5 Station Wagon $328 $592 $324 $20 $96 $1,385 $115
Jetta LE 4-Dr Sedan $328 $592 $382 $22 $114 $1,463 $122
Jetta SE 4-Dr Sedan $370 $698 $382 $22 $114 $1,611 $134
Jetta SE 2.5 Station Wagon $370 $698 $324 $20 $96 $1,533 $128
Jetta 2.0T 4-Dr Sedan $370 $698 $382 $22 $114 $1,611 $134
Jetta SEL 4-Dr Sedan $370 $698 $382 $22 $114 $1,611 $134
Jetta 2.0T Station Wagon $370 $698 $324 $20 $96 $1,533 $128
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Volkswagen Jetta insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $182 $312 $382 $22 $114 $1,012 $84
Jetta S 2.5 Station Wagon $182 $312 $324 $20 $96 $934 $78
Jetta LE 4-Dr Sedan $182 $312 $382 $22 $114 $1,012 $84
Jetta SE 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
Jetta SE 2.5 Station Wagon $206 $368 $324 $20 $96 $1,014 $85
Jetta 2.0T 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
Jetta SEL 4-Dr Sedan $206 $368 $382 $22 $114 $1,092 $91
Jetta 2.0T Station Wagon $206 $368 $324 $20 $96 $1,014 $85
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Premium amounts do not factor in vehicle garaging location which can alter premiums considerably.

Using the data above, we can ascertain that using a $100 deductible will cost you about $41 more each month or $492 annually across all Volkswagen Jetta models than buying the higher $1,000 deductible. Since you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 22 months between claim filings, you would save money if you decide on a higher deductible.

The information below demonstrates how deductible levels and can influence Volkswagen Jetta insurance premiums for different insured age categories. The premiums assume a married female driver, full coverage, and no other discounts are factored in.

Car insurance cost for men versus women

The diagram below shows the difference between Volkswagen Jetta yearly insurance costs for male and female drivers. The prices are based on no violations or claims, full physical damage coverage, $500 deductibles, drivers are not married, and no additional discounts are factored in.

Do you need full coverage?

The example below compares Volkswagen Jetta car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The premium estimates are based on no accidents, no driving violations, $1,000 deductibles, single marital status, and no discounts are factored in.

Should you be buying full coverage?

There is no definitive rule that works best for making the decision to drop physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let's assume your Volkswagen Jetta settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $6,000 after paying your policy deductible. If you are paying over $600 a year for full coverage, then it could be time to drop full coverage.

There are a few situations where buying only liability insurance is not a good plan. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not opt for liability only.

How Insurers Determine Volkswagen Jetta Insurance Costs

A large part of saving on auto insurance is knowing some of the elements that help calculate the level of your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make good choices that can earn you much lower annual insurance costs.

  • Raise coverage deductibles and save - The deductibles you choose represent how much money you are willing to pay before your auto insurance pays a claim. Physical damage protection, aka comp and collision, covers damage that occurs to your car. Some examples of claims that would be covered are colliding with a stationary object, hail damage, and having a roll-over accident. The more expense the insured is willing to pay, the less money you will pay for auto insurance.
  • Annual miles is a factor - Driving a lot of miles in a year the more it will cost to insure it. A lot of companies apply a rate based upon how much you drive. Autos left parked in the garage qualify for better rates than those that get driven frequently. Improper usage on your Jetta can cost quite a bit. Make sure your declarations sheet is rated on the right rating data, because it can save money.
  • Your address can modify price - Living in areas with lower population can be a good thing when shopping for auto insurance. City drivers regularly have traffic congestion and higher rates of accident claims. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.
  • Maintain auto insurance coverage - Driving with no insurance is a big no-no and companies may charge more for letting your insurance coverage expire. Not only will rates go up, not being able to provide proof of insurance may earn you fines and jail time.
  • Avoid traffic tickets - Your driving record has a lot to do with how much you pay for insurance. Even a single driving citation can bump up the cost substantially. Drivers with clean records receive lower rates compared to drivers with tickets. Drivers with severe citations such as DUI or reckless driving may find that they have to to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.

    The illustration below illustrates how traffic citations and at-fault collisions can impact Volkswagen Jetta car insurance costs for each age group. The price estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

  • Getting married reduces risk - Being married actually saves money when buying auto insurance. It may mean you are more financially stable and it's statistically proven that married drivers get in fewer accidents.
  • Expect high rates for teens - More mature drivers tend to be more responsible, statistically cause fewer accidents, and are generally more financially stable. Teenage drivers tend to be more careless in a vehicle and because of this, their auto insurance rates are much higher.

    The following chart uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

  • Loss statistics for a Volkswagen Jetta - Insurers use claims history to determine a rate that will be profitable for them. Models that historically have higher frequency or amount of claims will have higher rates for specific coverages.

    The table below shows the insurance loss data for Volkswagen Jetta vehicles. For each coverage category, the claim amount for all vehicles, regardless of make, model or trim level, is equal to 100. Percentage numbers below 100 indicate a favorable loss history, while values over 100 point to more claims or a tendency for claims to be larger.

    Insurance Loss Ratings for Volkswagen Jetta Vehicles
    Vehicle Make and 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
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Buying car insurance from Corpus Christi insurance agencies

A small number of people would rather sit down with an agent and there is nothing wrong with that. The biggest benefit of getting online price quotes is that you can find cheaper premium rates and also buy local. Buying from and supporting small agencies is definitely important in Corpus Christi.

Corpus Christi insurance agentsAfter filling out this simple form, your insurance coverage information is transmitted to companies in Corpus Christi who will give you quotes to get your business. You won't even need to contact an agency because prices are sent directly to your email. It's the lowest rates without the usual hassles of price shopping. In the event you want to quote rates from one company in particular, you just need to find their quoting web page and fill out the quote form the provide.

Do you need an independent or exclusive car insurance agent?

If you are searching for a local insurance agency, you need to know there are two different agency structures and how they work. Car insurance policy providers can either be independent agents or exclusive agents depending on their employer.

Independent Agents (or Brokers)

Independent insurance agents are appointed with more than one company and that gives them the ability to insure through many different car insurance companies and find you the best rates. If they find a cheaper price, an independent agent can move your coverage which requires no work on your part.

If you are comparing rate quotes, we recommend you get rate quotes from at least one independent agent to ensure the widest selection of prices. Most have the option of insuring with mutual insurance companies who may have lower rates.

Listed below are independent insurance agencies in Corpus Christi who can help you get competitive price quotes.

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Exclusive Car Insurance Agencies

Exclusive insurance agents have only one company to place business with and some examples include Farmers Insurance, American Family, State Farm and Allstate. They usually cannot provide other company's prices so always compare other rates. These agents receive extensive training on the products they sell and that can be a competitive advantage. Some consumers prefer to purchase coverage from exclusives partially due to the brand legacy rather than low price.

Below are exclusive insurance agents in Corpus Christi that are able to give comparison quotes.

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Deciding on a car insurance agent should depend on more than just a cheap price. Here are some questions you should ask.

  • Do they regularly work with personal auto policies in Corpus Christi?
  • Do the agents have professional certifications like CPCU or CIC?
  • Which companies can they place coverage with?
  • Does the agency have a current Errors and Omissions policy?
  • Do they get extra compensation for selling add-on coverages?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Does the quote include credit and driving reports?

Auto insurance can get complicated

Keep in mind that when it comes to choosing your policy, there really isn't a "best" method to buy coverage. Your financial needs are unique and your policy should reflect that.Auto insurance savings For example, these questions could help you determine whether or not you would benefit from professional advice.

  • Am I covered when driving a rental car?
  • What is glass protection for?
  • Why am I required to get a high-risk car insurance policy?
  • Should I rate my vehicle as business use?
  • What is motorclub and do I need it?
  • Can my teen drive my company car?
  • What is the premium to book value ratio for dropping full coverage?

If you don't know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Best auto insurance in Corpus Christi

Insuring your vehicle with a good quality auto insurance provider can be a challenge considering how many companies are available to choose from in Corpus Christi. The company ratings listed below may help you select which companies to look at when shopping around.

Top 10 Corpus Christi Car Insurance Companies Ranked by Customer Service

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

Compare. Compare. Compare.

We just showed you a lot of ways to lower your Volkswagen Jetta insurance rates in Corpus Christi. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest rates come from a company that doesn't do a lot of advertising. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.

As you quote Corpus Christi car insurance, it's not a good idea to buy poor coverage just to save money. There have been many situations where an insured cut uninsured motorist or liability limits only to regret at claim time they didn't purchase enough coverage. Your strategy should be to get the best coverage possible at the best price.

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