If saving money is your primary concern, then the best way to find lower priced auto insurance rates in San Jose is to regularly compare quotes from insurance carriers who sell auto insurance in California. You can compare rates by completing these steps.
- First, gain an understanding of how insurance companies determine prices and the changes you can make to prevent expensive coverage. Many factors that cause high rates like at-fault accidents, speeding tickets, and a low credit score can be rectified by paying attention to minor details. This article gives ideas to help keep rates affordable and earn a bigger discount.
- Second, compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like Progressive and State Farm, while agents who are independent can provide prices for a wide range of insurance providers.
- Third, compare the new quotes to your existing rates to see if a cheaper price is available in San Jose. If you find a better price, ensure there is no coverage lapse between policies.
- Fourth, notify your agent or company of your intent to cancel your existing policy and submit a down payment and signed policy application for the new policy. Immediately keep your new proof of insurance paperwork in a readily accessible location in your vehicle.
A crucial key to this process is to use identical deductibles and limits on each quote request and and to get price quotes from as many car insurance companies as possible. Doing this enables a fair price comparison and a thorough selection of prices.
It’s well known that car insurance companies don’t want policyholders to shop around. Drivers who get price quotes annually will most likely switch companies because they have a good chance of getting low-cost coverage. A recent study showed that people who faithfully checked for cheaper rates saved as much as $865 annually compared to drivers who don’t regularly compare prices.
If finding the best rates on Volkswagen Jetta insurance in San Jose is your objective, then having a grasp of how to quote prices and compare car insurance can help make the process easier.
Locating the best rates in San Jose is really quite easy. Virtually every driver who carries insurance will probably find a cheaper policy. But California consumers benefit from understanding the methods companies use to calculate your insurance rates and use it to find better rates.
Compare quotes for San Jose Volkswagen Jetta insurance
To find the best auto insurance prices, there are several ways to compare rate quotes from local San Jose auto insurance companies. The easiest way by far to lower the rate you pay for Volkswagen Jetta insurance consists of obtaining rate quotes online.
It’s important to know that comparing all the rates in your area gives you a better chance of getting better pricing. Not every company allows you to get price estimates online, so it’s important to compare quotes from the smaller companies as well.
The following companies are our best choices to provide free rate quotes in San Jose, CA. If more than one company is shown, we recommend you visit as many as you can in order to find the most affordable rates.
Volkswagen Jetta coverage analysis
The premium information shown next outlines a range of rate quotes for Volkswagen Jetta models. Learning how prices are calculated can be useful when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $182 | $354 | $464 | $28 | $138 | $1,166 | $97 |
| Jetta S 2.5 Station Wagon | $182 | $354 | $394 | $24 | $118 | $1,072 | $89 |
| Jetta LE 4-Dr Sedan | $182 | $354 | $464 | $28 | $138 | $1,166 | $97 |
| Jetta SE 4-Dr Sedan | $204 | $418 | $464 | $28 | $138 | $1,252 | $104 |
| Jetta SE 2.5 Station Wagon | $204 | $418 | $394 | $24 | $118 | $1,158 | $97 |
| Jetta 2.0T 4-Dr Sedan | $204 | $418 | $464 | $28 | $138 | $1,252 | $104 |
| Jetta SEL 4-Dr Sedan | $204 | $418 | $464 | $28 | $138 | $1,252 | $104 |
| Jetta 2.0T Station Wagon | $204 | $418 | $394 | $24 | $118 | $1,158 | $97 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can increase or decrease premiums significantly.
Physical damage deductible comparison
The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The comparison tables below illustrate the cost difference of buying low and high policy deductibles. The first price estimate table uses a $100 deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Jetta S 2.5 Station Wagon | $380 | $686 | $376 | $22 | $112 | $1,601 | $133 |
| Jetta LE 4-Dr Sedan | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Jetta SE 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Jetta SE 2.5 Station Wagon | $430 | $810 | $376 | $22 | $112 | $1,775 | $148 |
| Jetta 2.0T 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Jetta SEL 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Jetta 2.0T Station Wagon | $430 | $810 | $376 | $22 | $112 | $1,775 | $148 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Jetta S 2.5 Station Wagon | $278 | $464 | $376 | $22 | $112 | $1,252 | $104 |
| Jetta LE 4-Dr Sedan | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Jetta SE 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Jetta SE 2.5 Station Wagon | $314 | $546 | $376 | $22 | $112 | $1,370 | $114 |
| Jetta 2.0T 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Jetta SEL 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Jetta 2.0T Station Wagon | $314 | $546 | $376 | $22 | $112 | $1,370 | $114 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rates do not factor in specific location which can raise or lower premium rates considerably.
Based on the data above, we can derive that using a $100 deductible will cost in the ballpark of $32 more each month or $384 annually than quoting the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 13 months between claims, you would save more money if you choose the higher deductible.
Insurance rates are higher with tickets and accidents
The illustration below highlights how speeding tickets and accidents drive up Volkswagen Jetta yearly insurance costs for each age group. The prices are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
Annual premiums for males compared to females in San Jose
The diagram below illustrates the difference between Volkswagen Jetta annual premium costs for male and female drivers. The prices are based on a clean driving record, no at-fault accidents, full physical damage coverage, $100 deductibles, single status, and no policy discounts are applied.
Full coverage or liability only
The chart below shows the difference between Volkswagen Jetta insurance costs with and without full coverage. The rates are based on no claims or driving violations, $1,000 deductibles, single marital status, and no policy discounts are applied.
When to stop buying full coverage
There is no definitive formula to eliminate physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Volkswagen Jetta replacement value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $6,000 after paying your policy deductible. If you are paying in excess of $600 annually to have full coverage, then it’s probably a good time to buy liability coverage only.
There are a few cases where dropping physical damage coverage is not in your best interest. If you haven’t satisfied your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage.
How do I know if I need professional advice?
Always remember that when buying adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply.
For instance, these questions can aid in determining if your situation might need professional guidance.
- Am I covered when using my vehicle for business?
- Does my liability insurance cover pulling a trailer or camper?
- Should I put collision coverage on all my vehicles?
- How can I get high-risk coverage after a DUI?
- How much liability insurance is required?
- What is the ISO rating for a Volkswagen Jetta?
- What is PIP insurance?
- How high should my medical payments coverage be?
If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.
What if I want to buy from local San Jose car insurance agents?
A lot of people still like to go talk to an agent and doing that can be a smart decision The biggest benefit of getting online price quotes is you may find lower prices but also keep your business local.
Upon completion of this simple form, the quote information gets sent to local insurance agents who want to provide quotes for your coverage. You won’t even need to search for any insurance agencies due to the fact that quote results will go immediately to you. You can get cheaper insurance rates without a big time investment. If you have a need to compare prices from a specific insurance provider, feel free to find their quoting web page and give them your coverage information.
Finding a good company requires more thought than just a cheap price. You should also get answers to these questions.
- How many years have they been established?
- How much will you save each year by using a higher deductible?
- If they are an independent agency in San Jose, which companies do they recommend?
- Can they give you a list of client referrals?
- What companies can they write with?
- What company do they have the most business with?