Save on Volkswagen Jetta Insurance in Houston

Insurance quote for Volkswagen Jetta in HoustonDo you want to stop overpaying and find lower-priced Volkswagen Jetta insurance in Houston? Have you finally had enough of paying out the nose to pay high insurance rates every month? You have the same problem as many other Texas drivers.

It’s shocking but almost 70% of insureds in Texas kept buying from the same company for over three years, and 38% of drivers have never compared insurance rates at all. Drivers in America could save approximately $859 every year, but most just don’t grasp the rate savings if they switched to a more affordable policy.

Because you have many options when it comes to insurance, it can be hard to locate the lowest price company.

Consumers need to get comparison quotes before your policy renews because insurance prices change frequently. Even if you got the best deal on Volkswagen Jetta insurance in Houston a year ago the chances are good that you can find a lower rate quote today. Block out anything you think you know about insurance because you’re going to learn how to use online quotes to find better rates and still maintain coverage.

Cheap auto insurance in Houston, TX

The providers in the list below offer free quotes in Houston, TX. If multiple providers are shown, we recommend you visit two to three different companies to get a more complete price comparison.

Volkswagen Jetta Insurance Price Estimates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $226 $412 $358 $22 $108 $1,126 $94
Jetta S 2.5 Station Wagon $156 $306 $366 $22 $110 $960 $80
Jetta LE 4-Dr Sedan $166 $288 $392 $24 $118 $988 $82
Jetta SE 4-Dr Sedan $232 $486 $430 $26 $128 $1,302 $109
Jetta SE 2.5 Station Wagon $256 $486 $304 $18 $92 $1,156 $96
Jetta 2.0T 4-Dr Sedan $318 $684 $400 $24 $120 $1,546 $129
Jetta SEL 4-Dr Sedan $286 $572 $400 $24 $120 $1,402 $117
Jetta 2.0T Station Wagon $318 $684 $340 $20 $102 $1,464 $122
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price information does not factor in your specific Houston location which can increase or decrease prices greatly.

Poor driving habits will raise your auto insurance rates

The illustration below illustrates how speeding tickets and fender-benders can impact Volkswagen Jetta insurance rates for each different age group. Data assumes a married male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

Analysis of deductible levels

A question often asked by Houston drivers is what deductibles to buy. The figures shown below can help show the differences in premium rates when you choose different comp and collision deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Volkswagen Jetta insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $294 $496 $382 $22 $114 $1,333 $111
Jetta S 2.5 Station Wagon $294 $496 $324 $20 $96 $1,255 $105
Jetta LE 4-Dr Sedan $294 $496 $382 $22 $114 $1,333 $111
Jetta SE 4-Dr Sedan $332 $584 $382 $22 $114 $1,459 $122
Jetta SE 2.5 Station Wagon $332 $584 $324 $20 $96 $1,381 $115
Jetta 2.0T 4-Dr Sedan $332 $584 $382 $22 $114 $1,459 $122
Jetta SEL 4-Dr Sedan $332 $584 $382 $22 $114 $1,459 $122
Jetta 2.0T Station Wagon $332 $584 $324 $20 $96 $1,381 $115
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Volkswagen Jetta insurance rates 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
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in your specific Houston location which can decrease or increase coverage rates significantly.

Based on this data, using a $250 deductible will cost you approximately $29 more each month or $348 every year than buying the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 26 months between claims, you would save more money if you choose a higher deductible. The table below shows an example of how we made this calculation.

Average monthly premium for $250 deductibles: $115
Average monthly premium for $1,000 deductibles (subtract): – $86
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

One important note is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you have to file a claim. That will force you to have enough savings in the event you need to pay the deductible.

Discounts mean cheaper rates for Volkswagen Jetta insurance in Houston

Not many people think insurance is cheap, but you might find some hidden discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you purchase, but some need to be inquired about prior to getting the savings. If you check and find you aren’t receiving every discount available, you’re paying more than you need to.Discount car insurance

Just know that some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn’t work that way.

For a list of insurance companies that offer some of these discounts in Houston, click here to view.

How Insurers Determine Volkswagen Jetta Insurance Rates

A large part of saving on insurance is knowing the rating factors that aid in calculating your premiums. If you have some idea of what impacts premium levels, this allows you to make educated decisions that will entitle you to big savings. Many different elements are considered when premium rates are determined. Some are pretty understandable such as traffic violations, although some other factors are not as apparent like your continuous coverage or your vehicle rating.

The following are a few of the things that factor into rates.

Insurance agents can help

When quoting and choosing the best auto insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different so this has to be addressed.Higher deductibles save money
For instance, these questions can help discover whether or not you will benefit from professional help.

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Neighborhood Houston auto insurance agents

Many drivers just want to buy from a local agent and doing that can be a smart decision A good thing about comparing insurance prices online is that you can obtain cheaper rates and also buy local.

Insurance agency in HoustonTo help locate an agent, after submitting this simple form, your insurance data is transmitted to agents in your area who will gladly provide quotes and help you find cheaper coverage. There is no reason to search for any insurance agencies since price quotes are sent immediately to you. You’ll get the best rates AND an agent nearby. If you wish to quote rates from a specific company, don’t hesitate to jump over to their website to submit a rate quote request.

Finding the right company needs to be determined by more than just a cheap price quote. Here are some questions you might want to ask.

The following is a short list of auto insurance companies in Houston willing to provide rate quotes for Volkswagen Jetta insurance in Houston.

6489 Wilcrest DrHouston, TX 77072(281) 498-1010View Map

3355 W Alabama St #850Houston, TX 77098(713) 622-2330View Map

3405 Mercer StHouston, TX 77027(713) 626-7500View Map

12155 Jones Rd #300Houston, TX 77070(281) 469-6286View Map

View more Houston agents

Insurance ads are enticing

Insurance providers like Progressive, GEICO, Allstate and State Farm constantly bombard you with ads in print and on television. They all seem to say the same thing about how much you will save just by moving your insurance coverage to their company. How can each company say the same thing? Just pay attention to how they say it.

All the different companies have a preferred profile for the type of customer that earns them the highest profit. A good example of a preferred risk should be over the age of 50, has had continuous coverage, and the vehicle is rated for pleasure use. Anybody who fits those characteristics receive the lowest rate quotes in Houston and most likely will save if they switch.

Consumers who may not quite match these criteria may be forced to pay higher premiums and this can result in the driver buying from a lower-cost company. If you pay attention, the ads say “customers who switch” not “everyone that quotes” can save as much as they claim. This is how insurance companies can confidently make the claims of big savings. Because each company has a different risk profile, you really need to do a price quote comparison at every renewal. Because without a comparison, you cannot know the company that will have the lowest car insurance rates for your situation.

One last note

Affordable Volkswagen Jetta insurance in Houston is possible online and from local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies don’t offer the ability to get quotes online and usually these small insurance companies only sell through independent insurance agents.

When searching for inexpensive Houston auto insurance quotes, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage for the lowest cost, not the least amount of coverage.

We’ve covered a lot of information how to lower your Volkswagen Jetta insurance prices in Houston. The key thing to remember is the more providers you compare, the higher your chance of finding low cost Houston auto insurance quotes. Consumers could even find that the most savings is with some of the lesser-known companies. They may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

Additional information can be read on the following sites: