Compare Volkswagen Jetta Insurance Rate Quotes in Cincinnati

It takes a little time, but the best way to find discount Volkswagen Jetta insurance in Cincinnati is to start comparing prices regularly from companies who sell insurance in Ohio.

1. Read about how your policy works and the measures you can control to keep rates low. Many risk factors that increase rates such as traffic violations, accidents, and an imperfect credit history can be remedied by making lifestyle changes or driving safer.
2. Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like GEICO and State Farm, while independent agencies can provide prices from many different companies. View rates
3. Compare the price quotes to your existing policy to see if a cheaper price is available. If you can save money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.

An important part of this process is to make sure you enter the same coverage limits and deductibles on every quote request and and to get price quotes from every insurance company. This provides the most accurate price comparison and a complete rate analysis.

It’s astonishing, but about 70% of customers have purchased from the same company for four years or more, and 38% of drivers have never taken the time to shop around. Many drivers in Ohio can cut their rates by up to $700 a year just by getting comparison quotes, but they just assume it takes a lot of time to find cheaper rates by getting comparison quotes.

Do you qualify for discounts?

Companies offering auto insurance do not list the entire discount list in an easy-to-find place, so the list below gives a summary of a few of the more common in addition to some of the lesser obvious discounts that may be available.

• Save with More Vehicles Insured – Having primary and secondary vehicles with the same car insurance company may reduce the rate for each vehicle.
• Onboard Data Collection – Policyholders that allow data collection to monitor driving manner by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they have good driving habits.
• Anti-lock Brake System – Vehicles equipped with ABS or steering control are much safer to drive and earn discounts up to 10%.
• E-sign Discounts – A few larger online companies will provide an incentive for buying your policy on the web.
• Life Insurance – Larger companies have a lower car insurance rate if you buy a life insurance policy as well.
• Discount for Good Grades – Excelling in school may save you up to 25%. You can use this discount normally until age 25.
• Theft Deterrent System – Vehicles equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to fasten their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
• Professional Memberships – Being in qualifying employment or professional organizations may earn a discount on your next renewal.
• Early Renewal Discounts – Some companies provide a discount for buying a policy before your current Jetta insurance policy expires. You could save around 10% when you buy Cincinnati auto insurance online.

A quick disclaimer, some credits don’t apply to the entire cost. A few only apply to specific coverage prices like liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

The chart below illustrates the difference between Volkswagen Jetta insurance rates with and without discounts being applied to the rates. Data assumes a male driver, no claims or driving citations, Ohio state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, multi-car, multi-policy, and homeowner discounts applied.

A list of companies and some of the discounts are outlined below.

• GEICO discounts include seat belt use, membership and employees, multi-policy, air bags, anti-theft, and emergency military deployment.
• Travelers offers discounts for multi-car, early quote, home ownership, save driver, good student, and new car.
• Nationwide may include discounts for business or organization, accident-free, easy pay, anti-theft, multi-policy, good student, and Farm Bureau membership.
• Farmers Insurance may offer discounts for multi-car, switch companies, alternative fuel, distant student, and youthful driver.
• Esurance has discounts for multi-car, good driver, good student, paid-in-full, multi-policy, and defensive driver.
• State Farm offers premium reductions for multiple policy, accident-free, Drive Safe & Save, anti-theft, and student away at school.
• Progressive policyholders can earn discounts including multi-policy, good student, online signing, multi-vehicle, homeowner, online quote discount, and continuous coverage.
• Mercury Insurance may have discounts that include low natural disaster claims, anti-theft, ease of repair, location of vehicle, age of vehicle, professional/association, and good student.

If you need lower rates, check with every company which discounts can lower your rates. All car insurance discounts might not be available to policyholders in Cincinnati.

To get low cost Cincinnati auto insurance quotes, there a variety of ways to compare rate quotes from different Cincinnati insurance companies. The simplest method to lower the rate you pay for Volkswagen Jetta insurance is simply to get online rate quotes.

Comparing free quotes online is easy and it, takes the place of having to actually drive to local Cincinnati insurance agencies. Comparing online rate quotes eliminates this option unless you have a need for the trained guidance of an agent trained in personal lines coverage. Drivers can comparison shop online and have a local agent actually service the policy. When comparison shopping, obtaining a wide range of quotes will increase your chances of finding more affordable rates. Some insurance companies are not set up to provide Cincinnati Jetta insurance quotes online, so it’s recommended that you also compare price quotes from the smaller companies as well.

The companies in the list below are our best choices to provide free rate quotes in Cincinnati, OH. If you wish to find cheap car insurance in Cincinnati, OH, it’s highly recommended you click on several of them to get the most competitive price.

Volkswagen Jetta insurance statistics and information

The premium information below showcases different rate quotes for Volkswagen Jetta models. Knowing how insurance rates are calculated can assist in making informed decisions.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Information does not factor in specific location which can increase or decrease insurance rates noticeably.

Physical damage deductibles

One of the hardest decisions when shopping for car insurance is how high should the physical damage deductibles be. The premium rates below can help you visualize the difference in cost when you buy lower versus higher physical damage deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $1,000 deductible.

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

Using the premium rates above, we can conclude that using a $250 deductible costs approximately $18 more each month or $216 a year averaged for all Jetta models than requesting the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 42 months between claims, you would save more money if you choose the higher deductible.

Violations and accidents raise rates

The illustration below demonstrates how traffic citations and at-fault fender-benders influence Volkswagen Jetta car insurance costs for each age group. The premiums assume a married female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

Volkswagen Jetta full coverage rates compared to liability only

The illustration below shows the difference between Volkswagen Jetta premium costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no accidents, no driving violations, $100 deductibles, marital status is single, and no discounts are applied.

When to stop buying comprehensive and collision coverage

There is no set guideline to stop paying for physical damage coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let’s say your Volkswagen Jetta replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after paying your deductible. If it’s costing in excess of $700 a year for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some cases where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Smart Buyers Save on Insurance

Multiple criteria are used in the calculation when pricing auto insurance. A few of the factors are predictable such as traffic violations, although some other factors are less apparent such as your credit history and annual miles driven.

The itemized list below are just a few of the factors used by insurance companies to determine premiums.

• Don’t cancel your auto insurance without a new one in place – Not maintaining insurance can get you a ticket and companies may charge more for letting your insurance lapse. Not only will rates go up, being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with the Ohio DMV.

• Premiums drop with age – Older drivers have been proven to be more responsible, are lower risk to insure, and receive fewer citations. Teen drivers are statistically proven to be more careless behind the wheel therefore auto insurance rates are much higher.

  The next chart assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.

• Males are more aggressive – Over time, data shows women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. Men and women tend to get into accidents at about the same rate, but males have costlier accidents. Not only that, but men also have more aggressive citations such as reckless driving.

  The diagram below compares Volkswagen Jetta insurance costs for male and female drivers. The costs are based on no tickets, no at-fault accidents, comp and collision included, $500 deductibles, single marital status, and no discounts are applied.

• Your vocation can affect premiums – Do you work in a high-stress field? Careers such as military personnel, airline pilots, and dentists tend to have higher premium rates due to intense work requirements and lots of time spent at work. On the other hand, jobs such as professors, students and performers get better rates.
• Save money by having excellent credit – An insured’s credit score can be an important factor in determining premium rates. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit scores. Therefore, if your credit score can use some improvement, you could potentially save money when insuring your Volkswagen Jetta if you improve your credit rating.
• Drive less and save – Driving more miles in a year’s time the higher your rates will be. Almost all companies calculate prices based upon how the vehicle is primarily used. Cars and trucks that do not get driven very much can get a lower rate than those used for commuting. Ask your agent if your declarations sheet shows the proper vehicle usage. Having an incorrect usage rating on your Jetta may be costing you higher rates.

• Claims statistics for a Volkswagen Jetta – Insurance companies analyze the history of losses to calculate a price that will offset any claims. Vehicles that are shown to have high amounts or severity of claims will have higher rates.

  The data below shows the compiled insurance loss statistics for Volkswagen Jetta vehicles. For each policy coverage, the claim amount for all vehicles, regardless of make, model or trim level, is considered to be 100. Values that are under 100 suggest a positive loss record, while percentage numbers above 100 indicate a higher chance of having a claim or tendency to have higher losses.

  
  

  Volkswagen Jetta Insurance Claim Statistics

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Volkswagen Jetta	110	118	93	113	123	127
  Volkswagen Jetta Hybrid	128	121	114	104

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto insurance agents near you

Many drivers still like to buy from a local agent and that is OK! One of the great benefits of comparing rate quotes online is that drivers can save money and get lower rates but still work with a licensed agent.

To make it easy to find an agent, after completing this quick form, your insurance coverage information gets sent to companies in Cincinnati who will gladly provide quotes for your auto insurance coverage. You won’t need to do any legwork since price quotes are sent to you instantly. You can find better rates without having to waste a lot of time. If you want to get a price quote from one company in particular, you would need to find their quoting web page and give them your coverage information.

Picking the best company requires more thought than just a cheap price. These questions are important to ask:

• Do they offer accident forgiveness?
• Are there any discounts that you might be missing?
• Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
• Are all drivers listed on the coverage quote?
• Is the agent CPCU or CIC certified?
• Are they in the agency full-time?
• Does the agency have a good rating with the Better Business Bureau?
• Can they provide you with a list of referrals?

Choosing the best vehicle insurance in Ohio is an important decision

Despite the high insurance cost for a Volkswagen Jetta in Cincinnati, insurance is required in Ohio but it also protects you in many ways.

• Almost all states have mandatory insurance requirements which means you are required to buy a specific minimum amount of liability protection in order to drive the car. 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 your Volkswagen has a lienholder, most lenders will require that you carry insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Volkswagen at a much higher rate and require you to reimburse them for the much more expensive policy.
• Auto insurance preserves both your car and your personal assets. It will also cover medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.

The benefits of buying enough insurance definitely exceed the cost, especially with large liability claims. According to a recent study, the average American driver is overpaying over $865 each year so it’s important to compare rates every year to ensure rates are competitive.

Persistence will pay off

We covered many ideas to reduce Volkswagen Jetta insurance premium rates online in Cincinnati. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding the cheapest Volkswagen Jetta rate quotes. Drivers may even discover the lowest priced insurance comes from a small local company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as State Farm, GEICO and Nationwide.

Budget-conscious Volkswagen Jetta insurance is attainable online and also from your neighborhood Cincinnati agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who may not offer rate quotes online and usually these regional carriers work with local independent agencies.

Helpful learning opportunities

• Steps to Take After an Auto Accident (Insurance Information Institute)
• Who Has Cheap Cincinnati Car Insurance Quotes for a Honda CR-V? (FAQ)
• Who Has Cheap Cincinnati Auto Insurance Quotes for a School Permit? (FAQ)
• Who Has Cheap Cincinnati Auto Insurance for State Employees? (FAQ)
• What Auto Insurance is Cheapest for Drivers Under 21 in Cincinnati? (FAQ)
• Who Has Cheap Car Insurance Rates for a Company Car in Cincinnati? (FAQ)
• What Insurance is Cheapest for Real Estate Agents in Cincinnati? (FAQ)
• Think You’re a Safe Driver? (State Farm)
• What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
• No-Fault Auto Insurance Statistics (Insurance Information Institute)