Has it been a year or more since you last compared quotes for more affordable Volkswagen Jetta insurance in Philadelphia? No sane person likes buying car insurance, especially knowing the prices are way too high.
It’s an obvious conclusion that car insurance companies don’t want you shop around. People who shop around once a year are highly likely to move their business because there is a high probability of finding a policy with more affordable rates. A study showed that drivers who compared rates regularly saved on average $70 a month as compared to drivers who never shopped around for cheaper prices.
If finding the lowest rates on auto insurance in Philadelphia is your goal, then knowing how to quote and compare auto insurance can make it easier to find better rates. Drivers have so many auto insurance companies to purchase coverage from, and although it’s nice to have multiple companies, it makes it harder to compare rates for Volkswagen Jetta insurance in Philadelphia.
It is always a good idea to compare prices on a regular basis because car insurance prices change frequently. Despite the fact that you may have had the lowest price on Volkswagen Jetta insurance in Philadelphia last year there is a good chance you can find better rate quotes now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to how to use the internet to get good coverage on Volkswagen Jetta insurance in Philadelphia at a lower rate.
Buying the cheapest auto insurance in Philadelphia is not rocket science. If you already have coverage or are just looking to switch companies, you can learn to cut your premiums without sacrificing coverage. Consumers just have to use the fastest way to get comparison rates from many different companies online.
Reducing your Volkswagen Jetta insurance rates is not rocket science. Drivers just need to spend a little time to compare rate quotes to discover which company has affordable Philadelphia auto insurance quotes.
It’s so simple to compare insurance rate quotes online replaces the need to spend time driving to each insurance agency near you. The ability to get quotes online can eliminate the need for a local agent unless you require the professional abilities that only a licensed agent can provide. Although, it is possible price shop your coverage online and have a local agent actually service the policy.
The car insurance companies shown below are ready to provide quotes in Philadelphia, PA. If the list has multiple companies, we recommend you get rate quotes from several of them in order to find the cheapest rates.
Three reasons auto insurance is important
Despite the high cost of buying insurance for a Volkswagen Jetta in Philadelphia, auto insurance is mandatory in Pennsylvania but it also protects more than you think.
- The majority of states have minimum liability requirements which means you are required to carry a specific minimum amount of liability protection in order to drive the car. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your vehicle, it’s guaranteed your bank will require you to have comprehensive coverage to protect their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Volkswagen at a much higher rate and make you pay a much higher amount than you were paying before.
- Auto insurance protects not only your Volkswagen Jetta but also your assets. It will also cover most medical and hospital costs that are the result of an accident. One policy coverage, liability insurance, also covers legal expenses in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of carrying adequate insurance more than offset the price you pay, especially with large liability claims. Despite what companies tell you, the average driver is overpaying more than $855 a year so compare quotes from several companies at least once a year to ensure rates are competitive.
Insurance rate breakdown
The table displayed below covers estimates of insurance costs for Volkswagen Jetta models. Learning how policy rates are formulated is important for drivers to make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $230 | $426 | $444 | $26 | $134 | $1,260 | $105 |
| Jetta S 2.5 Station Wagon | $230 | $426 | $378 | $22 | $114 | $1,170 | $98 |
| Jetta LE 4-Dr Sedan | $230 | $426 | $444 | $26 | $134 | $1,260 | $105 |
| Jetta SE 4-Dr Sedan | $260 | $502 | $444 | $26 | $134 | $1,366 | $114 |
| Jetta SE 2.5 Station Wagon | $260 | $502 | $378 | $22 | $114 | $1,276 | $106 |
| Jetta 2.0T 4-Dr Sedan | $260 | $502 | $444 | $26 | $134 | $1,366 | $114 |
| Jetta SEL 4-Dr Sedan | $260 | $502 | $444 | $26 | $134 | $1,366 | $114 |
| Jetta 2.0T Station Wagon | $260 | $502 | $378 | $22 | $114 | $1,276 | $106 |
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate information does not factor in your specific Philadelphia location which can affect prices greatly.
Raise deductibles and save
One of the more difficult decisions when buying insurance is how high should the physical damage deductibles be. The tables below determine the rate fluctuation between low and high comp and collision deductibles. The first set of rates uses a $250 deductible for physical damage and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $254 | $428 | $330 | $20 | $98 | $1,155 | $96 |
| Jetta S 2.5 Station Wagon | $254 | $428 | $280 | $16 | $84 | $1,087 | $91 |
| Jetta LE 4-Dr Sedan | $254 | $428 | $330 | $20 | $98 | $1,155 | $96 |
| Jetta SE 4-Dr Sedan | $288 | $506 | $330 | $20 | $98 | $1,267 | $106 |
| Jetta SE 2.5 Station Wagon | $288 | $506 | $280 | $16 | $84 | $1,199 | $100 |
| Jetta 2.0T 4-Dr Sedan | $288 | $506 | $330 | $20 | $98 | $1,267 | $106 |
| Jetta SEL 4-Dr Sedan | $288 | $506 | $330 | $20 | $98 | $1,267 | $106 |
| Jetta 2.0T Station Wagon | $288 | $506 | $280 | $16 | $84 | $1,199 | $100 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $158 | $270 | $330 | $20 | $98 | $876 | $73 |
| Jetta S 2.5 Station Wagon | $158 | $270 | $280 | $16 | $84 | $808 | $67 |
| Jetta LE 4-Dr Sedan | $158 | $270 | $330 | $20 | $98 | $876 | $73 |
| Jetta SE 4-Dr Sedan | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| Jetta SE 2.5 Station Wagon | $178 | $318 | $280 | $16 | $84 | $876 | $73 |
| Jetta 2.0T 4-Dr Sedan | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| Jetta SEL 4-Dr Sedan | $178 | $318 | $330 | $20 | $98 | $944 | $79 |
| Jetta 2.0T Station Wagon | $178 | $318 | $280 | $16 | $84 | $876 | $73 |
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in vehicle garaging location which can modify rates significantly.
Based on this data, using a $250 deductible could cost the average driver approximately $25 more each month or $300 every year than opting for the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you go at least 30 months between claim filings, you would come out ahead by selecting a higher deductible. The illustration below shows an example of how we made this calculation.
| Average monthly premium for $250 deductibles: | $100 |
| Average monthly premium for $1,000 deductibles (subtract): | – $75 |
| Monthly savings from raising deductible: | $25 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $25 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 30 months |
One big caveat is that raising deductibles to save money means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. It will be required that you have enough extra savings in order to pay the higher deductible.
Cost of full coverage in Philadelphia
The illustration below shows the comparison of Volkswagen Jetta auto insurance costs with full coverage compared to only the Pennsylvania minimum liability coverage. The costs are based on no accidents, no driving violations, $500 deductibles, drivers are single, and no discounts are applied to the premium.
Should you buy full coverage or liability only?
There isn’t a steadfast formula of when to phase out physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s assume your Volkswagen Jetta replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $4,000 after paying the physical damage deductible. If premiums are more than $400 annually for physical damage coverage, then you may need to consider dropping full coverage.
There are some scenarios where dropping physical damage coverage is not a good idea. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.
Philadelphia insurance discounts
Insurance is not an enjoyable expense, but you may find discounts that you may not know about. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be specially asked for prior to receiving the credit.
- No Claims – Drivers with accident-free driving histories pay less when compared to accident-prone drivers.
- Paper-free Discount – A few insurance companies will give a small break get Philadelphia auto insurance over the internet.
- Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices can help prevent theft and therefore earn up to a 10% discount.
- Military Discounts – Being on active duty in the military can result in better insurance rates.
- Life Insurance – Insurance companies who offer life insurance give better premium rates if you take out a life policy as well.
- Senior Citizen Rates – Older drivers could receive lower premium rates.
- ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control can reduce accidents and will save you 10% or more on Jetta insurance in Philadelphia.
A quick disclaimer, some credits don’t apply to your bottom line cost. Most only cut specific coverage prices like comp or med pay. Just because it seems like adding up those discounts means a free policy, that’s just not realistic.
The diagram below shows the difference between Volkswagen Jetta yearly insurance costs with and without discounts applied to the premium. The rate quotes are based on a female driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, multi-car, claim-free, and safe-driver discounts applied.
Larger insurance companies and their possible discounts are shown below.
- Progressive includes discounts for continuous coverage, multi-vehicle, homeowner, multi-policy, online signing, good student, and online quote discount.
- GEICO offers premium reductions for defensive driver, daytime running lights, air bags, anti-theft, good student, five-year accident-free, and emergency military deployment.
- State Farm may have discounts that include multiple autos, good driver, safe vehicle, multiple policy, accident-free, and passive restraint.
- Esurance has discounts for Switch & Save, online quote, anti-theft, emergency road assistance, and homeowner.
- The Hartford has savings for bundle, driver training, anti-theft, defensive driver, and vehicle fuel type.
When quoting, ask all the companies which discounts you may be entitled to. Some discounts may not apply to policyholders in Philadelphia. If you would like to see a list of insurance companies with the best discounts in Pennsylvania, click here to view.
Do I need an insurance agency?
A lot of people prefer to buy from a local agent. Good agents can help you build your policy and help you file claims. An additional benefit of comparing insurance prices online is the fact that you can find cheap rate quotes and still have an agent to talk to.
Once you complete this short form, your coverage information is submitted to participating agents in Philadelphia that provide free Philadelphia auto insurance quotes for your coverage. You don’t have to contact any agents because quoted prices will be sent to you directly. If for some reason you want to get a rate quote from a specific insurance company, you just need to jump over to their website and fill out the quote form the provide.
Selecting a insurer requires you to look at more than just a cheap quote. Below are some questions you should ask.
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Does the company have a solid financial rating?
- Where would your vehicle be repaired?
- Do they carry Errors and Omissions coverage?
- Are they properly licensed to sell insurance in Pennsylvania?
- Who is covered by the car insurance policy?
Pick the best auto insurance agent in Philadelphia for you
If you prefer to buy car insurance from a local Philadelphia insurance agent, you need to know there are two types of agencies and how they are slightly different. Car insurance agents can be classified as either exclusive or independent. Both insure your vehicles, but it is a good idea to know how they differ because it can influence the type of agent you choose.
Exclusive Agents
Exclusive agencies write business for a single company like State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents are well trained in insurance sales and that can be a competitive advantage.
Listed below are Philadelphia exclusive insurance agencies who can help you get price quote information.
Steven Breinlinger – State Farm Insurance Agent
7904 Germantown Ave – Philadelphia, PA 19118 – (267) 323-2923 – View Map
State Farm: Brian Cover
7005 Bustleton Ave – Philadelphia, PA 19149 – (215) 332-9000 – View Map
Craig Alleyne – State Farm Insurance Agent
6335 Wayne Avenue – Philadelphia, PA 19144 – (215) 438-8440 – View Map
Independent Agents
Agents that choose to be independent do not sell for just one brand so they have the ability to put coverage with multiple insurance companies and find you cheaper rates. If premiums increase, an independent agent can move your coverage and the insured can keep the same agent.
When shopping rates, you will definitely want to include rate quotes from multiple independent agents to get the most accurate price comparison.
Shown below is a list of independent insurance agents in Philadelphia who can help you get price quotes.
Gallo Insurance Agency
617 S 18th St – Philadelphia, PA 19146 – (215) 545-9500 – View Map
HandM Insurance Agency
5829 Rising Sun Ave – Philadelphia, PA 19120 – (215) 745-8001 – View Map
National Insurance Agency
2414 Rhawn St – Philadelphia, PA 19152 – (215) 332-1100 – View Map
Persistent drivers can save
While you’re price shopping online, you should never buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find at the best possible price while still protecting your assets.
Some insurance providers may not offer online rate quotes and these small insurance companies provide coverage only through independent agents. Budget-friendly auto insurance in Philadelphia can be purchased from both online companies in addition to many Philadelphia insurance agents, so you need to compare both in order to have the best chance of saving money.
Throughout this article, we presented many tips how you can save on Volkswagen Jetta insurance in Philadelphia. The key concept to understand is the more times you quote, the better likelihood of getting affordable Volkswagen Jetta insurance quotes. Consumers may even find the lowest prices come from an unexpected company. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm, GEICO and Nationwide.
More tips and info about auto insurance can be read by following these links:
- Determining Auto Insurance Rates (GEICO)
- Who Has Affordable Auto Insurance Rates for Felons in Philadelphia? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Chevrolet Malibu in Philadelphia? (FAQ)
- Who Has Cheap Car Insurance Quotes for Veterans in Philadelphia? (FAQ)
- Rental Car Insurance Tips (Insurance Information Institute)
- What is Covered by GAP Insurance? (Allstate)