Save on Volkswagen Jetta Insurance in Houston

Do you want to stop overpaying and find lower-priced Volkswagen Jetta insurance in Houston? Have you finally had enough of paying out the nose to pay high insurance rates every month? You have the same problem as many other Texas drivers.

It’s shocking but almost 70% of insureds in Texas kept buying from the same company for over three years, and 38% of drivers have never compared insurance rates at all. Drivers in America could save approximately $859 every year, but most just don’t grasp the rate savings if they switched to a more affordable policy.

Because you have many options when it comes to insurance, it can be hard to locate the lowest price company.

Consumers need to get comparison quotes before your policy renews because insurance prices change frequently. Even if you got the best deal on Volkswagen Jetta insurance in Houston a year ago the chances are good that you can find a lower rate quote today. Block out anything you think you know about insurance because you’re going to learn how to use online quotes to find better rates and still maintain coverage.

Cheap auto insurance in Houston, TX

The providers in the list below offer free quotes in Houston, TX. If multiple providers are shown, we recommend you visit two to three different companies to get a more complete price comparison.

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price information does not factor in your specific Houston location which can increase or decrease prices greatly.

Poor driving habits will raise your auto insurance rates

The illustration below illustrates how speeding tickets and fender-benders can impact Volkswagen Jetta insurance rates for each different age group. Data assumes a married male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

Analysis of deductible levels

A question often asked by Houston drivers is what deductibles to buy. The figures shown below can help show the differences in premium rates when you choose different comp and collision deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in your specific Houston location which can decrease or increase coverage rates significantly.

Based on this data, using a $250 deductible will cost you approximately $29 more each month or $348 every year than buying the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 26 months between claims, you would save more money if you choose a higher deductible. The table below shows an example of how we made this calculation.

One important note is that increasing deductibles to save money results in having to pay to pay more out-of-pocket when you have to file a claim. That will force you to have enough savings in the event you need to pay the deductible.

Discounts mean cheaper rates for Volkswagen Jetta insurance in Houston

Not many people think insurance is cheap, but you might find some hidden discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you purchase, but some need to be inquired about prior to getting the savings. If you check and find you aren’t receiving every discount available, you’re paying more than you need to.

• Distant Student Discount – Older children who attend college more than 100 miles from Houston and do not take a car to college may be insured at a cheaper rate.
• Good Grades Discount – Getting good grades can save 20 to 25%. This discount can apply until age 25.
• Driving Data Discount – People who choose to allow companies to analyze driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they are good drivers.
• Houston Homeowners Discount – Just owning your own home can get you a discount because of the fact that having a home requires personal responsibility.
• Paperwork-free – Certain larger companies will give a small break for signing up over the internet.

Just know that some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn’t work that way.

For a list of insurance companies that offer some of these discounts in Houston, click here to view.

How Insurers Determine Volkswagen Jetta Insurance Rates

A large part of saving on insurance is knowing the rating factors that aid in calculating your premiums. If you have some idea of what impacts premium levels, this allows you to make educated decisions that will entitle you to big savings. Many different elements are considered when premium rates are determined. Some are pretty understandable such as traffic violations, although some other factors are not as apparent like your continuous coverage or your vehicle rating.

The following are a few of the things that factor into rates.

• Job impacts premiums – Careers such as judges, business owners and emergency personnel are shown to have the highest rates due to intense work situations and lots of time spent away from family. Other jobs such as farmers, athletes and performers pay lower than average rates.
• Single drivers take more risk – Your spouse may save some money when buying insurance. Having a spouse demonstrates that you tend to be more mature and responsible and insurance companies reward insureds because married couples file fewer claims.
• Extra policy coverages push up costs – Insurance policies have a lot of extra add-on coverages that may not really be needed when buying insurance. Coverages for personal injury protection, accidental death, and additional equipment coverage are probably not needed. These may sound like a good investment when buying your policy, but if you’ve never needed them in the past consider taking them off your policy.
• High credit saves on insurance – An insured’s credit history is a large factor in determining what you pay for insurance. Insureds that have excellent credit scores tend to be better risks to insure than drivers with lower credit ratings. So if your credit rating leaves room for improvement, you could be paying less to insure your Volkswagen Jetta if you clean up your credit.
• Volkswagen Jetta historical loss data – Companies analyze the history of losses as a way to help calculate a profitable premium rate. Models that the data determines to have higher loss trends will have higher rates for specific coverages. The table below illustrates the loss history for Volkswagen Jetta vehicles.

  For each coverage category, the claim amount for all vehicles, regardless of manufacturer or model, is represented as 100. Numbers under 100 indicate a favorable loss history, while percentage numbers above 100 indicate more frequent losses or larger claims.

  Volkswagen Jetta Insurance Claim Statistics

  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

Insurance agents can help

When quoting and choosing the best auto insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different so this has to be addressed.
For instance, these questions can help discover whether or not you will benefit from professional help.

• Exactly who is provided coverage by my policy?
• Does my policy cover me when driving someone else’s vehicle?
• What is covered by UM/UIM coverage?
• What policy terms are available?
• Do I have coverage for damage caused while driving under the influence?
• If I drive on a suspended license am I covered?
• Am I covered if I hit my neighbor’s mailbox?
• Am I covered by my spouse’s policy after a separation?
• Am I covered if I hit a deer?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Neighborhood Houston auto insurance agents

Many drivers just want to buy from a local agent and doing that can be a smart decision A good thing about comparing insurance prices online is that you can obtain cheaper rates and also buy local.

To help locate an agent, after submitting this simple form, your insurance data is transmitted to agents in your area who will gladly provide quotes and help you find cheaper coverage. There is no reason to search for any insurance agencies since price quotes are sent immediately to you. You’ll get the best rates AND an agent nearby. If you wish to quote rates from a specific company, don’t hesitate to jump over to their website to submit a rate quote request.

Finding the right company needs to be determined by more than just a cheap price quote. Here are some questions you might want to ask.

• Is working in the agency their full-time job?
• How long has their agency been in business in Houston?
• Can you get a list of referrals?
• What is the financial rating for the quoted company?
• Is their price quote a firm figure or are their hidden costs?
• Are aftermarket or OEM parts used to repair vehicles?

The following is a short list of auto insurance companies in Houston willing to provide rate quotes for Volkswagen Jetta insurance in Houston.

View more Houston agents

Insurance ads are enticing

Insurance providers like Progressive, GEICO, Allstate and State Farm constantly bombard you with ads in print and on television. They all seem to say the same thing about how much you will save just by moving your insurance coverage to their company. How can each company say the same thing? Just pay attention to how they say it.

All the different companies have a preferred profile for the type of customer that earns them the highest profit. A good example of a preferred risk should be over the age of 50, has had continuous coverage, and the vehicle is rated for pleasure use. Anybody who fits those characteristics receive the lowest rate quotes in Houston and most likely will save if they switch.

Consumers who may not quite match these criteria may be forced to pay higher premiums and this can result in the driver buying from a lower-cost company. If you pay attention, the ads say “customers who switch” not “everyone that quotes” can save as much as they claim. This is how insurance companies can confidently make the claims of big savings. Because each company has a different risk profile, you really need to do a price quote comparison at every renewal. Because without a comparison, you cannot know the company that will have the lowest car insurance rates for your situation.

One last note

Affordable Volkswagen Jetta insurance in Houston is possible online and from local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some car insurance companies don’t offer the ability to get quotes online and usually these small insurance companies only sell through independent insurance agents.

When searching for inexpensive Houston auto insurance quotes, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage for the lowest cost, not the least amount of coverage.

We’ve covered a lot of information how to lower your Volkswagen Jetta insurance prices in Houston. The key thing to remember is the more providers you compare, the higher your chance of finding low cost Houston auto insurance quotes. Consumers could even find that the most savings is with some of the lesser-known companies. They may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

Additional information can be read on the following sites:

• How to Avoid Common Accidents (State Farm)
• Who Has Cheap Car Insurance Quotes for a 20 Year Old Male in Houston? (FAQ)
• Who Has the Cheapest Houston Auto Insurance for Homeowners? (FAQ)
• Who Has Affordable Car Insurance for a Chevrolet Equinox in Houston? (FAQ)
• Smart Auto Insurance Tips (Insurance Information Institute)
• Auto Insurance FAQ (Farmers Insurance)
• Distracted Driving (Insurance Information Institute)