Compare Volkswagen Jetta Insurance Rate Quotes in Denver

I can’t think of anyone who rejoices having to buy auto insurance, especially knowing they are paying too much.

Unthinkable but true, most auto insurance customers have bought auto insurance from the same company for a minimum of four years, and virtually 40% of consumers have never even shopped around for cheap coverage. Drivers in Denver could save roughly $600 each year by just comparing quotes, but they feel it’s too difficult to compare rates. Companies like Progressive, GEICO and Farmers Insurance increase brand awareness with advertising and it is difficult to see through the deception and effectively compare rates to find the best deal.

If you have insurance now or need a new policy, use these cost-cutting techniques to reduce premiums without reducing coverage. Locating the best insurance company for you in Denver is actually very simple if you learn how to start. Comparison shoppers only need an understanding of the most effective way to buy insurance from many different companies online.

How to find affordable Volkswagen Jetta insurance in Denver, Colorado

Finding low cost Denver insurance quotes is an easy way to save money. You just have to invest a little time to compare rates online with multiple companies.

Doing price comparisons online is so simple that it replaces the need to drive to each insurance agency near you. The internet can eliminate the need for a local agent unless you have a need for the trained guidance of a licensed agent. It is possible with some companies comparison shop online and get advice from an agent in your area.

The providers in the list below offer price quotes in Colorado. If multiple companies are shown, it’s a good idea that you visit as many as you can to get the best price comparison.

Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Information does not factor in specific garaging location which can change coverage prices greatly.

How high should deductibles be?

One of the more difficult decisions when buying car insurance is where should you set your physical damage deductibles. The following insurance rates outline how much more rates are between high and low physical damage coverage deductibles. The first data set uses a $100 deductible for comp and collision and the second price table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Price information does not factor in garaging location in Denver which can revise premiums greatly.

Based on the above data, using a $100 deductible costs approximately $26 more each month or $312 for a full year than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally average more than 15 months between claims, you would probably be better off if you choose a higher deductible.

Why you need quality insurance for your vehicle

Despite the high cost of buying insurance for a Volkswagen Jetta in Denver, insurance serves a purpose in several ways.

• Just about all states have minimum liability requirements which means you are required to buy a minimum amount of liability insurance in order to drive the car. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If you have a loan on your Volkswagen Jetta, most lenders will require that you carry insurance to ensure loan repayment if the vehicle is totalled. If coverage lapses or is canceled, the lender will be forced to insure your Volkswagen at a much higher premium rate and make you pay for the much more expensive policy.
• Insurance safeguards both your car and your assets. Insurance will also pay for medical bills incurred in an accident. One policy coverage, liability insurance, will also pay to defend you if you are sued as the result of an accident. If your Volkswagen gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of insuring your Jetta definitely exceed the price paid, especially with large liability claims. Today the average American driver is overpaying more than $869 every year so compare rate quotes at least once a year to ensure rates are inline.

Insurance discounts help lower rates for Volkswagen Jetta insurance in Denver

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts to help offset the cost. A few discounts will be applied at the time you complete a quote, but a few must be inquired about prior to receiving the credit.

• Discount for New Cars – Buying insurance on a new vehicle can save up to 30% because new vehicles keep occupants safer.
• 55 and Retired – Mature drivers can get better insurance rates.
• Renewal Discounts – Some insurance companies provide a discount for switching companies prior to your current Jetta insurance policy expiring. You may see this discount when you get Denver auto insurance quotes online.
• Good Driver Discounts – Insureds without accidents can save up to 40% or more on their Denver auto insurance quote compared to rates paid by drivers with frequent claims.
• Service Members Pay Less – Being deployed with a military unit could mean lower rates.
• Passive Restraints – Factory options such as air bags and/or automatic seat belt systems could see savings up to 30%.
• Seat Belt Discounts – Drivers who require all vehicle occupants to use their safety belts can save up to 15% on the premium charged for medical payments and/or PIP.
• Driver Training Discounts – Taking time to complete a course in driver safety may get you a small discount depending on where you live.
• One Accident Forgiven – This isn’t a discount exactly, but companies like Allstate, Progressive, and GEICO will let one accident slide before your rates go up so long as you haven’t had any claims for a certain period of time.
• Anti-theft System – Cars with anti-theft systems have a lower chance of being stolen and will save you 10% or more on Jetta insurance in Denver.

While discounts sound great, it’s important to understand that some of the credits will not apply to the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that all those discounts means the company will pay you, you’re out of luck.

A list of companies and a summarized list of policyholder discounts are included below.

• Farm Bureau discounts include driver training, renewal discount, safe driver, multi-policy, good student, 55 and retired, and youthful driver.
• State Farm offers discounts for Drive Safe & Save, passive restraint, accident-free, multiple autos, anti-theft, good driver, and driver’s education.
• Progressive offers discounts including online quote discount, online signing, multi-policy, multi-vehicle, and homeowner.
• Allstate policyholders can earn discounts including economy car, EZ pay plan discount, FullPay discount, premier discount, and 55 and retired.
• Nationwide has savings for business or organization, multi-policy, easy pay, family plan, good student, accident-free, and defensive driving.
• MetLife includes discounts for accident-free, good driver, claim-free, defensive driver, multi-policy, good student

Before buying, ask every company which discounts you may be entitled to. Savings may not apply to policies in your area.

Different people need different auto insurance coverages

Always remember that when buying proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions can help discover whether your personal situation will benefit from professional help.

• Is my nanny covered when transporting my kids?
• How can I get high-risk coverage after a DUI?
• Can I insure my car for more than it’s worth?
• How high should deductibles be on a Volkswagen Jetta?
• Do I have any recourse if my insurance company denies a claim?
• Is my Volkswagen Jetta covered for flood damage?
• How can I force my company to pay a claim?
• Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Compare rates but work with a local Denver insurance agency

A lot of people just prefer to sit down and talk to an agent and doing so can bring peace of mind Good agents can help you build your policy and help file insurance claims. A nice benefit of comparing insurance prices online is the fact that you can find the lowest rates and still have an agent to talk to.

To make it easy to find an agent, after completing this quick form, the coverage information gets sent to participating agents in Denver who will give you bids to get your business. You never need to do any legwork since rate quotes are delivered to you instantly. If you want to quote rates from a specific insurance company, you just need to find their quoting web page and fill out the quote form the provide.

Selecting an insurer requires you to look at more than just the premium amount. You should also get answers to these questions.

• Does the company allow you to choose your own collision repair facility?
• Who is covered by the car insurance policy?
• How much will you save each year by using a higher deductible?
• Does the agency have a current Errors and Omissions policy?
• Do they offer rental car reimbursement?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• How long have they been in business?

If you would like to find a local agent, there are a couple of different types of agents and how they differ in how they can insure your vehicles. Denver agents are either independent agents or exclusive agents depending on their employer. Either one can provide car insurance policies, but it’s important to know how they differ because it can impact your selection of an agent.

Exclusive Insurance Agencies

Agents that choose to be exclusive can only quote rates from one company and examples are American Family, State Farm, and AAA. Exclusive agents are unable to provide other company’s prices so keep that in mind. These agents are usually quite knowledgeable on their company’s products which helps them sell on service rather than price.

The following are exclusive agents in Denver that can give you price quotes.

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Independent Insurance Agents

Independent agencies often have affiliation with several companies and that allows them to write policies through many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move your policy to a different company which is easy for the insured. When comparing rate quotes, you absolutely need to get insurance quotes from several independent agencies so that you have a good selection of quotes to compare.

The following are Denver independent agencies who can help you get comparison quotes.

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Insurance coverages 101

Having a good grasp of insurance aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Coverage for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for doctor visits, ambulance fees, rehabilitation expenses, X-ray expenses and hospital visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Liability

Liability coverage provides protection from damage or injury you incur to a person or their property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/15 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $15,000 paid for damaged property.

Liability coverage protects against things such as bail bonds, funeral expenses, legal defense fees, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible. Colorado state law requires minimum liability limits of 25/50/15 but drivers should carry better liability coverage.

Uninsured and underinsured coverage

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many Colorado drivers only purchase the least amount of liability that is required (25/50/15 in Colorado), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, theft and fire damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

This will pay to fix damage to your Jetta from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with another moving vehicle, rolling your car, driving through your garage door, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible on your Jetta to get cheaper collision coverage.

Cheaper car insurance is a realistic goal

Drivers switch companies for many reasons like questionable increases in premium, denial of a claim, high prices or even poor customer service. No matter why you want to switch, finding a new company is easier than you think.

When searching for the cheapest Volkswagen Jetta rate quotes, you should never buy poor coverage just to save money. In too many instances, drivers have reduced liability limits or collision coverage to discover at claim time that they should have had better coverage. Your objective should be to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

Discount Volkswagen Jetta insurance in Denver is available online in addition to many Denver insurance agents, so you need to quote Denver auto insurance with both to have the best rate selection. Some insurance companies may not provide the ability to get quotes online and usually these regional insurance providers sell through independent agents.

More information

• Child Safety Seats (Insurance Information Institute)
• Who Has the Cheapest Car Insurance for Safe Drivers in Denver? (FAQ)
• Who Has Cheap Car Insurance Rates for Drivers Over Age 60 in Denver? (FAQ)
• Who Has Cheap Auto Insurance Rates for 16 Year Olds in Denver? (FAQ)
• Who Has the Cheapest Car Insurance Rates for 19 Year Olds in Denver? (FAQ)
• Speed and Speed Limit FAQ (iihs.org)
• Choosing a Car for Your Teen (State Farm)