Top Ways to Save When Insuring Your Volkswagen Jetta in Nevada

Searching for the cheapest insurance for a new or used Volkswagen Jetta in Nevada could be a lot of work, but you can learn these tips to make it easier. There are more efficient ways to compare auto insurance rates so we’re going to tell you the best way to price shop coverage for a Volkswagen and locate the best price possible from both online companies and Nevada agents.

If you have a current auto insurance policy or need a new policy, you can use these tips to reduce the price you pay while maximizing coverage. Pricing the best auto insurance is easy if you know what you’re doing. Nevada drivers just need to learn the proper way to compare price quotes online.

Finding Auto Insurance in Nevada

Performing a rate comparison can be a lot of work if you don’t know the fastest way to get free quotes. You can waste hours talking to insurance companies in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

Many companies take part in a program where prospective buyers submit one quote, and every company can provide price quotes for coverage. This prevents consumers from doing quotation requests for every auto insurance company.

To access this free quoting program, click here (opens in new window).

The single downside to getting quotes like this is that consumers can’t choose which providers you want to price. So if you prefer to choose from a list of companies to compare, we have assembled a list of companies who write auto insurance in Nevada. Click here for list of insurance companies in Nevada.

However you get your quotes, be sure to compare apples-to-apples coverage information for each price quote. If the quotes have different values for each quote you will not be able to determine the lowest rate for your Volkswagen Jetta.

Do you qualify for discounts?

Car insurance companies do not advertise every discount very well, so we took the time to find both the well known as well as the least known ways to save on auto insurance. If you don’t get every credit you deserve, you are throwing money away.

  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on Jetta coverage with select insurance companies.
  • Discount for Life Insurance – Some companies give lower rates if you buy a life insurance policy as well.
  • Paperwork-free – A few companies will give a small break simply for signing digitally online.
  • Memberships – Belonging to a qualifying organization could trigger savings when shopping for auto insurance on Jetta coverage.
  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for a discount up to 10% on Jetta coverage.
  • Homeowners Pay Less – Simply owning a home can save you money because maintaining a house demonstrates responsibility.
  • Drivers Ed for Students – Require your teen driver to complete a driver education course if it’s offered in school.

It’s important to note that many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky.

To see a list of companies with the best auto insurance discounts in Nevada, click here.

Parts of the Volkswagen Jetta rate equation

It’s important that you understand some of the elements that help determine the rates you pay for auto insurance. Understanding what determines base rates enables informed choices that could result in big savings.

  • Sex matters – The statistics show that women are safer drivers than men. However, this does not mean women are better drivers. They both tend to get into accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to get more serious tickets such as reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore have the most expensive auto insurance rates.
  • The type of vehicle makes a difference – The type of vehicle you are insuring makes a substantial difference in the rate you pay. Due to the fact that the Volkswagen Jetta is classified as a compact car, rates will be the same to a little lower as compared to the average rate. Lower performance four cylinder passenger cars generally receive the lowest base rates, but the final cost of insurance is determined by many other factors.
  • An active claims history can cost you – If you frequently file small claims, you can expect higher rates. Car insurance companies in Nevada provide better rates to people who do not file claims often. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Consolidate policies to earn discounts – Some auto insurance companies give discounts to people who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even with this discount, it’s in your best interest to comparison shop to make sure you are getting the best deal.

But I want to work with a local agent

A small number of people would rather sit down with an agent and that is OK! Professional agents can answer important questions and give you someone to call. The biggest benefit of comparing rates online is you can get the best rates but still work with a licensed agent.Nevada insurance quotes

For easy comparison, once you complete this simple form, your insurance data is immediately sent to participating agents who will compete to get your business. You won’t need to visit any agencies due to the fact that quote results will go immediately to your email address. Now that’s easy!

Selecting an provider needs to be determined by more than just a low price. These questions are important to ask:

  • Is assistance available after office hours?
  • Do they feel the quoted coverages are adequate?
  • Which insurance companies are they affiliated with?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.

Choose the right insurance agent

When researching an insurance agent, there are two types of insurance agents from which to choose. Nevada agents are categorized either independent or captive. While both can insure your vehicles, but it’s worth mentioning the difference between them because it can influence buying decisions.

Captive Insurance Agents

Captive agencies can only place business with one company and examples are Liberty Mutual, State Farm, Allstate and AAA. They are unable to give you multiple price quotes so they have to upsell other benefits. Captive agencies are trained well on the products they sell which helps them compete with independent agents. Consumers sometimes buy from captive agents mostly because of high brand loyalty and solid financial strength.

Independent Agencies or Brokers

Independent agencies do not work for one specific company so they have the ability to put coverage with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally without you having to go to a different agency.

When comparison shopping, you should always contact at a minimum one independent agency for maximum quote selection. They also have the ability to place coverage with different regional companies who may have lower rates.

For a complete listing of insurance agencies in Nevada, click here.

Once you have answers to your satisfaction for all questions you ask and a low price estimate, it’s possible that you found an insurance agent that meets your needs to properly insure your vehicles.

More tips and info about auto insurance can be found at the Nevada Division of Insurance website. Nevada drivers can read consumer alerts, file complaints about an insurance agent or broker, and file complaints about a company.

More related Nevada auto insurance information:

Can switching companies really save?

Nevada drivers get pounded daily by advertisements for cheaper car insurance from companies such as Progressive, Allstate and GEICO. They all seem to make the same claim about savings if you change your policy.

cheapest Jetta insurance

How can each company say the same thing?

Insurance companies can use profiling for the driver that makes them money. For example, a driver they prefer might be between 25 and 40, is a homeowner, and drives less than 10,000 miles a year. A driver who meets those qualifications gets the lowest rates and therefore will save when switching.

Drivers who fall outside the “perfect” profile must pay higher premiums which usually ends up with the customer not buying. Company advertisements say “drivers who switch” not “everyone that quotes” save that much. That’s the way insurance companies can confidently advertise the savings. This illustrates why you should get a wide range of price quotes. It is impossible to predict which insurance companies will provide you with the cheapest rates.

Quote more, save more

Drivers who switch companies do it for any number of reasons including poor customer service, being labeled a high risk driver, policy non-renewal or delays in responding to claim requests. Regardless of your reason, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

Discount Volkswagen Jetta insurance can be bought both online and also from your neighborhood Nevada agents, so you should compare both to have the best selection. Some insurance companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

In this article, we covered a lot of techniques to lower your Volkswagen Jetta insurance rates. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Drivers may discover the best prices are with an unexpected company.