Compare Volkswagen Jetta Insurance Rate Quotes in Toledo

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Volkswagen Jetta insurance
Volkswagen Jetta insurance image courtesy of QuoteInspector.com

Insurance rates Volkswagen Jetta in ToledoFinding better insurance prices for a Volkswagen Jetta in Ohio could be a lot of work, but you can use these tips and make it easy. There is a better way to compare car insurance rates and we'll show you the quickest way to get price quotes for a Volkswagen and obtain the cheapest rates from Toledo insurance agents and online providers.

Buying the cheapest insurance in Toledo can be made easier if you know where to look. If you have coverage now or are shopping for new coverage, you can learn to cut your premiums while maximizing coverage. Smart buyers just have to learn the most efficient way to compare different rates using one simple form.

The method we recommend to compare policy rates for Volkswagen Jetta insurance in Toledo is to understand auto insurance companies participate in a system to provide you with free rate quotes. The only thing you need to do is provide a small amount of information including how much you drive, whether the vehicles are used for commuting, how much coverage you want, and your occupation. Your information gets sent immediately to insurance carriers in your area and they return rate quotes quickly.

To get price quotes for your Volkswagen Jetta now, click here and complete the quick form.

The companies shown below are ready to provide free quotes in Ohio. To buy cheap auto insurance in Toledo, we recommend you visit several of them to find the most affordable car insurance rates.

Why you need insurance for your Volkswagen Jetta

Even though Toledo Jetta insurance rates can get expensive, paying for insurance serves several important purposes.

  • The majority of states have mandatory liability insurance requirements which means the state requires a specific level of liability if you want to drive legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you took out a loan on your Volkswagen Jetta, almost every bank will make it mandatory that you have comprehensive coverage to protect their interest in the vehicle. If you default on your policy, the bank may buy a policy for your Volkswagen at an extremely high rate and force you to pay the higher premium.
  • Insurance protects not only your Volkswagen but also your assets. Insurance will pay for most medical and hospital costs for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to have it repaired.

The benefits of carrying enough insurance are definitely more than the cost, particularly for liability claims. Unknowingly, the average driver is overpaying over $750 every year so it's recommended you shop around at least once a year to make sure the price is not too high.

Statistics and details

The data table displayed below outlines estimates of rate quotes for Volkswagen Jetta models. Having knowledge of how insurance policy rates are formulated is important for drivers to make decisions when shopping around.

Volkswagen Jetta Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $168 $334 $296 $18 $88 $904 $75
Jetta S 2.5 Station Wagon $168 $334 $250 $14 $76 $842 $70
Jetta LE 4-Dr Sedan $168 $334 $296 $18 $88 $904 $75
Jetta SE 4-Dr Sedan $190 $394 $296 $18 $88 $986 $82
Jetta SE 2.5 Station Wagon $190 $394 $250 $14 $76 $924 $77
Jetta 2.0T 4-Dr Sedan $190 $394 $296 $18 $88 $986 $82
Jetta SEL 4-Dr Sedan $190 $394 $296 $18 $88 $986 $82
Jetta 2.0T Station Wagon $190 $394 $250 $14 $76 $924 $77
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in specific garaging location which can increase or decrease coverage rates significantly.

Policy deductibles

One of the most common car insurance questions is how low should you set your deductibles. The comparisons below determine the rate difference between low and high physical damage deductibles. The first rate table uses a $250 deductible for comp and collision and the second price chart uses a $1,000 deductible.

Volkswagen Jetta insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $176 $296 $226 $14 $68 $805 $67
Jetta S 2.5 Station Wagon $176 $296 $192 $12 $58 $759 $63
Jetta LE 4-Dr Sedan $176 $296 $226 $14 $68 $805 $67
Jetta SE 4-Dr Sedan $198 $348 $226 $14 $68 $879 $73
Jetta SE 2.5 Station Wagon $198 $348 $192 $12 $58 $833 $69
Jetta 2.0T 4-Dr Sedan $198 $348 $226 $14 $68 $879 $73
Jetta SEL 4-Dr Sedan $198 $348 $226 $14 $68 $879 $73
Jetta 2.0T Station Wagon $198 $348 $192 $12 $58 $833 $69
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Volkswagen Jetta insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $108 $186 $226 $14 $68 $602 $50
Jetta S 2.5 Station Wagon $108 $186 $192 $12 $58 $556 $46
Jetta LE 4-Dr Sedan $108 $186 $226 $14 $68 $602 $50
Jetta SE 4-Dr Sedan $122 $220 $226 $14 $68 $650 $54
Jetta SE 2.5 Station Wagon $122 $220 $192 $12 $58 $604 $50
Jetta 2.0T 4-Dr Sedan $122 $220 $226 $14 $68 $650 $54
Jetta SEL 4-Dr Sedan $122 $220 $226 $14 $68 $650 $54
Jetta 2.0T Station Wagon $122 $220 $192 $12 $58 $604 $50
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Information does not factor in garaging location in Toledo which can revise premiums noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs roughly $18 more each month or $216 a year averaged for all Jetta models than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 42 months between claims, you would most likely save money if you choose the higher deductible. The table below illustrates an example of how this determination is made.

Average monthly premium for $250 deductibles: $69
Average monthly premium for $1,000 deductibles (subtract): - $51
Monthly savings from raising deductible: $18
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 42 months

Careless driving habits raise car insurance rates

The example below demonstrates how speeding tickets and at-fault collisions can influence Volkswagen Jetta insurance rates for each age group. The rate quotes are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

How much more does full coverage cost in Toledo?

The illustration below compares Volkswagen Jetta premium costs with full physical damage coverage and with liability coverage only. The price estimates are based on no violations or claims, $500 deductibles, marital status is single, and no discounts are applied to the premium.

When to buy liability coverage only

There is no clear-cut formula for phasing out comp and collision coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let's assume your Volkswagen Jetta replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after you pay the deductible. If premiums are more than $800 annually for full coverage, then you may want to consider only buying liability coverage.

There are a few situations where dropping full coverage is not financially feasible. If you haven't paid off your loan, you have to keep full coverage in order to keep the loan. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should not remove full coverage.

Auto insurance discounts help lower rates for Volkswagen Jetta insurance in Toledo

Car insurance companies don't always advertise all available discounts very clearly, so the following is a list of some of the best known and also the lesser-known savings tricks you should be using when you buy Toledo auto insurance online. If you do not check that you are getting every discount possible, you are not getting the best rate possible.Save money with discounts

  • Low Mileage Discounts - Keeping the miles down on your Volkswagen could qualify for substantially lower auto insurance rates.
  • Bundle and Save - If you can combine your homeowners and auto policy with the same company you will save approximately 10% to 15%.
  • Student Driver Training - Teen drivers should successfully take a driver's education course as it can save substantially.
  • Smart Student Discounts - Getting good grades may save you up to 25%. Most companies allow this discount until age 25.
  • Pay Upfront and Save - If you can afford to pay the entire bill rather than paying monthly you can actually save on your bill.
  • Telematics Devices - Drivers that enable their insurance company to analyze driving manner by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm might get better premium rates as long as the data is positive.

Consumers should know that most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like comp or med pay. If you do the math and it seems like all the discounts add up to a free policy, company stockholders wouldn't be very happy.

The illustration below visualizes the comparison of Volkswagen Jetta insurance costs with and without discounts applied. The premiums are based on a female driver, no claims or violations, Ohio state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, multi-car, homeowner, and safe-driver discounts applied.

Companies that may offer these money-saving discounts are:

If you are trying to find inexpensive Toledo auto insurance quotes, ask each insurance company the best way to save money. Depending on the company, some discounts may not apply in your state. To view insurers who offer cheap Volkswagen Jetta insurance quotes in Ohio, click here.