Car Insurance Quotes for a Volkswagen Jetta in Laredo

Inconceivable but true, nearly 70% of customers kept buying from the same company for a minimum of four years, and almost 40% of drivers have never compared quotes from other companies. Drivers in Texas could save approximately $1,770 every year just by shopping around, but they don’t know the large savings they would see if they bought a different policy.

Insurance rates Volkswagen Jetta in LaredoIf you want to find the absolute lowest rates, then the best way to get cheaper auto insurance rates is to begin comparing prices regularly from companies who provide auto insurance in Laredo.

One bit of advice is that you’ll want to make sure you compare the same liability limits and deductibles on every price quote and and to look at as many companies as feasibly possible. This guarantees an apples-to-apples comparison and maximum price selection.

The providers in the list below have been selected to offer free quotes in Texas. If you want the cheapest car insurance in Laredo, we suggest you visit as many as you can in order to find the most affordable rates.

Cheaper Laredo insurance rates with discounts

Insurance can cost an arm and a leg, but you may be missing some discounts to reduce the price significantly. A few discounts will be applied at the time you complete a quote, but occasionally some discounts must be requested specifically prior to getting the savings.Cheaper insurance with discounts

Please keep in mind that most credits do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, you aren’t that lucky.

The example below illustrates the comparison of Volkswagen Jetta insurance prices with and without discounts applied to the policy rates. The prices are based on a male driver, no claims or violations, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, homeowner, claim-free, and safe-driver discounts applied.

Insurance companies that possibly offer these discounts may include but are not limited to:

If you are trying to find affordable Laredo auto insurance quotes, ask every prospective company how many discounts you can get. Some discounts listed above may not apply in your area. If you would like to view companies who offer discounts in Laredo, click here.

Insurance coverage analysis

The coverage information shown below highlights estimates of rate quotes for Volkswagen Jetta models. Having insight into how insurance premiums are formulated helps drivers make smart choices when purchasing an auto insurance policy.

Volkswagen Jetta Insurance Rates in Laredo, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $208 $312 $500 $30 $150 $1,200 $100
Jetta S 2.5 Station Wagon $208 $312 $424 $26 $128 $1,098 $92
Jetta LE 4-Dr Sedan $208 $312 $500 $30 $150 $1,200 $100
Jetta SE 4-Dr Sedan $234 $368 $500 $30 $150 $1,282 $107
Jetta SE 2.5 Station Wagon $234 $368 $424 $26 $128 $1,180 $98
Jetta 2.0T 4-Dr Sedan $234 $368 $500 $30 $150 $1,282 $107
Jetta SEL 4-Dr Sedan $234 $368 $500 $30 $150 $1,282 $107
Jetta 2.0T Station Wagon $234 $368 $424 $26 $128 $1,180 $98
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Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in specific Laredo garaging location which can lower or raise coverage prices noticeably.

The information below shows how choosing a deductible and can impact Volkswagen Jetta insurance premiums for different ages of insureds. The prices are based on a single female driver, full physical damage coverage, and no other discounts are factored in.

Gender-based car insurance rates

The illustration below visualizes the comparison of Volkswagen Jetta car insurance rates for male and female drivers. The data assumes no accidents or driving violations, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are applied to the premium.

Should you buy full coverage?

The diagram below shows the difference between Volkswagen Jetta car insurance costs with full physical damage coverage compared to only buying liability only. The prices are based on no accidents or driving violations, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

When to stop paying for full coverage

There is no exact rule for phasing out comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your Volkswagen Jetta replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $3,000 after the policy deductible has been paid. If premium cost is more than $300 a year to have full coverage, then you might consider buying liability only.

There are some cases where buying only liability insurance is not in your best interest. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Are auto insurance agents used anymore?

Some consumers still like to buy from a licensed agent and that is not a bad decision Licensed agents are trained risk managers and help file insurance claims. A good thing about getting free rate quotes online is the fact that you can find the best rates and also buy local. Buying from local agents is definitely important in Laredo.

Insurance agents in LaredoUpon completion of this quick form, your coverage information is emailed to local insurance agents who will give you quotes for your business. It simplifies rate comparisons since you won’t have to visit any agencies as quotes are delivered immediately to your email address. If for some reason you want to quote rates for a specific company, you would need to search and find their rate quote page to submit a rate quote request.

Insurance agent types

If you are wanting to find a good Laredo insurance agent, it can be helpful to understand the different types of agents that you can select. Insurance agents are either independent agents or exclusive agents depending on their employer. Either can do a good job, but we need to point out the difference between them since it can affect the type of agent you choose.

Independent Insurance Agencies

Agents of this type do not have single company limitations so they can quote policies through many different insurance companies and potentially find a lower price. To transfer your coverage to a different company, your agent can switch companies and you don’t have to do anything.

When comparing insurance rates, it’s a good idea to contact at least one independent agent so that you have a good selection of quotes to compare. Many independent agencies also insure through lesser-known insurance companies which may provide better rates.

The following is a list of independent insurance agencies in Laredo who may be able to give you pricing information.

More Laredo agents

Exclusive Insurance Agents

Agents of this type can usually just insure with one company such as Allstate, State Farm and Farmers Insurance. These agents are unable to shop your coverage around so keep that in mind. These agents are usually well trained on their company’s products and that can be a competitive advantage. Consumers sometimes purchase coverage from exclusives primarily because of the brand legacy and solid financial strength.

Below are exclusive agencies in Laredo willing to provide price quote information.

More Laredo agents

Finding the right auto insurance agent requires more thought than just the quoted price. These are valid questions to ask:

Your situation helps dictate your coverage

When selecting adequate coverage for your personal vehicles, there really is no one-size-fits-all type of policy. Your financial needs are unique.Safe vehicles cost less to insure

These are some specific questions might help in determining if you might need an agent’s assistance.

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Smart Consumers Can Cut Their Insurance Prices

The best way to find cheaper car insurance is to take a look at a few of the rating criteria that aid in calculating your premiums. If you have some idea of what influences your rates, this empowers consumers to make smart changes that will entitle you to lower rates. Multiple criteria are part of the calculation when you quote your car insurance policy. Some are obvious like an MVR report, but other criteria are less apparent like your continuous coverage or your financial responsibility.

Performance impacts insurance rates – The performance level of the vehicle you are trying to find cheaper insurance for makes a huge difference in your rates. Lower cost passenger cars generally receive the lowest base rates, but there are many factors that impact the final cost.

The chart below assumes a married female driver age 30, full coverage with $100 deductibles, and no discounts or violations. The chart compares Volkswagen Jetta rates compared to other models that have different performance risks.

Better prices with anti-theft devices – Driving a car with a theft deterrent system can save you some money. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent vehicle theft.

Lower premiums for safer vehicles – Vehicles that have high safety ratings are cheaper to insure. Safer cars result in less severe injuries and lower rates of occupant injuries means lower claim amounts and thus lower rates. If the Volkswagen Jetta scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.

Driving citations mean higher rates – Drivers with clean records receive lower rates compared to drivers with tickets. Just one speeding ticket or other violation can boost insurance rates by as much as twenty percent. Drivers who have received careless citations like DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.

The information below illustrates how speeding tickets and at-fault claims can drive up Volkswagen Jetta auto insurance costs for different categories of driver ages. The rates are based on a married female driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

Premiums are affected by your credit rating – Having a bad credit score can be an important factor in determining your rates. People that have very good credit scores tend to be less risk to insure as compared to drivers with poor credit. So if your credit rating can use some improvement, you could save money insuring your Volkswagen Jetta if you clean up your credit.

Amount of liability protection – The liability coverage on your policy will afford coverage if you are determined to be liable for an accident. It provides for a legal defense to attempt to prove you were not liable. This coverage is very inexpensive compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.

Insurance loss data for a Volkswagen Jetta – Companies use historical loss data as a tool for profitable underwriting. Models that statistically have a higher amount or frequency of claims will cost more to insure.

The table below outlines the loss history for Volkswagen Jetta vehicles. For each type of coverage, the claim probability for all vehicles, as an average, is set at 100. Values that are below 100 are indicative of better than average losses, while percentages above 100 point to more frequent losses or statistically larger losses.

Insurance Loss Ratings for Volkswagen Jetta Vehicles
Specific Volkswagen 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

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

Insurance in Texas serves several purposes

Despite the potentially high cost of Volkswagen Jetta insurance, buying insurance is a good idea for several reasons.

The benefits of carrying enough insurance more than offset the price you pay, particularly if you ever have a claim. On average, a vehicle owner in Laredo overpays as much as $865 each year so you should quote rates every year to be sure current rates are still competitive.

Which car insurance company is best in Laredo?

Picking a high-quality car insurance company can be rather challenging considering how many choices drivers have in Texas. The company rank data shown below can help you decide which coverage providers you want to consider comparing rate quotes with.

Top 10 Laredo Car Insurance Companies by A.M. Best Rank

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. Allstate – A+
  10. Nationwide – A+

Get the best coverage at the lowest price

When getting Laredo auto insurance quotes online, never buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. Your objective should be to buy the best coverage you can find for the lowest cost while still protecting your assets.

Consumers leave their current company for a number of reasons such as an unsatisfactory settlement offer, policy cancellation, policy non-renewal or even being labeled a high risk driver. No matter why you want to switch, switching companies is not as hard as you think.

Lower-priced Volkswagen Jetta insurance in Laredo can be sourced online and with local Laredo insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get quotes online and these small insurance companies work with independent insurance agents.

To learn more, take a look at the resources below: