Auto Insurance Rate Quotes for a Volkswagen Jetta in Philadelphia

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.

Insurance for Volkswagen JettaIt’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 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.

Volkswagen Jetta Insurance Rates in Philadelphia, PA
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.

Volkswagen Jetta insurance prices with $250 deductibles
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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Volkswagen Jetta insurance prices with $1,000 deductibles
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.Cheaper insurance with discounts

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.

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.

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.

7904 Germantown AvePhiladelphia, PA 19118(267) 323-2923View Map

7005 Bustleton AvePhiladelphia, PA 19149(215) 332-9000View Map

6335 Wayne AvenuePhiladelphia, PA 19144(215) 438-8440View Map

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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.

617 S 18th StPhiladelphia, PA 19146(215) 545-9500View Map

5829 Rising Sun AvePhiladelphia, PA 19120(215) 745-8001View Map

2414 Rhawn StPhiladelphia, PA 19152(215) 332-1100View Map

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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: