How to Reduce Your Volkswagen Jetta Car Insurance Rates in Las Vegas

Scraping up a payment for overpriced Volkswagen Jetta insurance can empty your personal savings and make it impossible to make ends meet. Shopping your coverage around is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Insurance companies such as State Farm and GEICO all promote huge savings with TV and radio ads and it can be hard to ignore the flashy ads and take the time to shop coverage around.

It’s smart to do rate comparisons periodically because rates are rarely the same from one policy term to another. If you had the lowest price on Jetta insurance two years ago you will most likely find a better rate today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the proper way to find the best coverage while lowering your premiums.

Factors determining your Volkswagen Jetta insurance premium

An important part of buying insurance is that you know the factors that come into play when calculating your car insurance rates. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in big savings.

  • The type of vehicle makes a difference – The type of vehicle you own makes a huge difference in determining your rates. The most favorable rates tend to be for economy passenger cars, but the final cost of insurance is determined by many other factors. Since the Volkswagen Jetta is considered a compact car, insurance will be the same to a little lower than the average rate where you live in Las Vegas.
  • The more you drive the more you pay – The more you drive each year the higher your rates will be. Most insurance companies apply a rate determined by how the vehicle is used. Autos not used for work or commuting get more affordable rates compared to those used for work or business. An improperly rated Jetta can result in significantly higher rates. Ask your agent if your car insurance policy is showing the correct driver usage.
  • Marriage brings a discount – Getting married can get you a discount on car insurance. Marriage translates into being more mature and it’s statistically proven that married couples file fewer claims.
  • Rural vs Urban Areas – Being located in small towns and rural areas is a positive aspect when buying car insurance. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. Drivers who live in large Nevada cities tend to have more traffic problems and a longer drive to work. Longer commute distances can result in more accidents.
  • Tickets mean higher rates – Your driving record has a huge affect on how much you pay. Drivers with clean records receive lower rates compared to drivers with tickets. Even one ticket may increase your cost forty percent or more. Drivers who get flagrant violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Bump up deductibles to save – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Volkswagen from damage. A few examples of covered claims are collision with another vehicle, damage caused by hail, or theft. Physical damage deductibles are the amount of money you are required to spend before a claim is paid by your company. The higher the amount you have to pay, the bigger discount you will receive on Jetta insurance.
  • Do you have enough liability coverage? – Liability coverage provides coverage when you are found liable for damages caused by your negligence. It provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
  • Men pay higher rates – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that women are better drivers. Both sexes have accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations such as DWI and reckless driving.

Don’t pay full price with these discounts

Companies offering auto insurance don’t necessarily list every discount very clearly, so we break down both well-publicized and the more hidden ways to save on car insurance.Car insurance in Las Vegas

  • Low Mileage – Keeping the miles down on your Volkswagen can earn lower rates on the low mileage vehicles.
  • No Claims – Drivers with accident-free driving histories can save substantially as compared to drivers who are more careless.
  • Organization Discounts – Participating in a professional or civic organization could trigger savings when buying car insurance on Jetta insurance.
  • Homeowners Pay Less – Being a homeowner can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Government Employees – Employees or retirees of the government may qualify you for a discount on Jetta insurance with certain companies.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you could get a discount of up to 20% off your total premium.
  • College Student – Kids in college who are attending college and don’t have a car may qualify for this discount.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Most only reduce specific coverage prices like comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck.

Your personal situation dictates your coverage

When it comes to buying coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions may help you determine whether you might need an agent’s assistance.

  • Is business equipment covered while in my vehicle?
  • Does my policy pay for OEM or aftermarket parts?
  • Does coverage extend to a rental car in a foreign country?
  • Can I still get insurance after a DUI?
  • What are the financial responsibility laws in Nevada?
  • Is my teen driver covered when they drive my company car?
  • What can I do if my company denied a claim?
  • Do I need medical payments coverage since I have good health insurance?
  • How many claims can I have before being cancelled?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

More sites with car insurance information

More tips and info about car insurance can be read at the Nevada Division of Insurance website. Visitors are able to find out which companies have the most complaints, read enforcement actions against agents and companies, and get help finding coverage.

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One last thing about your coverage

When shopping online for car insurance, don’t be tempted to buy poor coverage just to save money. There are too many instances where someone sacrificed comprehensive coverage or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Lower-priced Volkswagen Jetta insurance is possible from both online companies as well as from independent agents in Las Vegas, so you should compare both so you have a total pricing picture. Some car insurance companies don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.

You just read a lot of tips how to get a better price on Volkswagen Jetta insurance. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers could even find that the best prices are with a small mutual company. Regional companies can often provide lower rates in certain areas compared to the large companies like State Farm or Progressive.