Save Money on Volkswagen Jetta Insurance in Colorado Springs

Do you need a fast way to compare more affordable Volkswagen Jetta insurance in Colorado Springs? Have you had enough of scraping nickels together to pay your auto insurance bill each month? You are no different than the majority of other vehicle owners in Colorado.

Sadly, nearly 70% of consumers have bought auto insurance from the same company for four years or more, and roughly 40% of drivers have never even compared quotes to find cheap rates. With the average premium in Colorado being $1,813, drivers could save an average of roughly $605 each year, but they mistakenly think it’s difficult to compare rates and save money.

How to find discount Volkswagen Jetta insurance in Colorado Springs

The preferred way to get low-cost auto insurance rates in Colorado Springs is to start comparing rates regularly from providers in Colorado.

• Step 1: Read about what is in your policy and the things you can control to prevent expensive coverage. Many factors that drive up the price such as distracted driving and a not-so-good credit rating can be remedied by being financially responsible and driving safely. Read the full article for ideas to help prevent costly coverage and earn larger discounts.
• Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes from multiple insurance companies.
• Step 3: Compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you find better rates, make sure coverage does not lapse between policies.
• Step 4: Provide proper notification to your current company of your intent to cancel your current car insurance policy. Submit the signed application along with the required initial payment to the newly selected company. Make sure you keep the new certificate verifying proof of insurance in a readily accessible location in your vehicle.

A good tip to remember is to use identical coverage information on every quote request and and to get price quotes from as many different companies as possible. This enables a level playing field and the best rate selection.

Numerous auto insurance companies battle for your business, and it can be difficult to compare rates to get the lowest rate on Volkswagen Jetta insurance in Colorado Springs.

Low Cost companies for Volkswagen Jetta insurance

The providers in the list below can provide price comparisons in Colorado Springs, CO. If you wish to find the cheapest car insurance in Colorado, we recommend you visit two to three different companies to find the most competitive auto insurance rates.

Data for Volkswagen Jetta insurance

The premium table shown below highlights different insurance prices for Volkswagen Jetta models. Having a good grasp of how insurance policy rates are determined can aid in making decisions when shopping around.

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Premium costs do not factor in specific Colorado Springs garaging location which can influence coverage rates noticeably.

Physical damage deductibles

One of the more difficult decisions when buying auto insurance is which deductible level should you buy. The following tables can help show the cost difference when you select higher and lower deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second price table uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can decrease or increase insurance rates greatly.

Using the data above, we can ascertain that using a $100 deductible costs approximately $26 more each month or $312 for a full year than quoting the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average more than 15 months between claims, you would probably save some money if you opt for a higher deductible. The table below shows how you can do this calculation yourself.

The diagram below demonstrates how choosing different deductibles and can raise or lower Volkswagen Jetta yearly insurance costs for each age group. The prices are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

Men versus women drivers and insurance cost

The information below shows the comparison of Volkswagen Jetta insurance prices for male and female drivers. The price estimates are based on no accidents, no driving violations, comp and collision included, $250 deductibles, drivers are single, and no discounts are applied.

Colorado Springs car insurance discounts

Companies that sell car insurance don’t list all their discounts in a way that’s easy to find, so below is a list some of the best known and also the lesser-known credits available to bring down your rates.

• Include Life Insurance and Save – If the company offers life insurance, you could get lower premium rates if you buy a life policy as well.
• Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems are stolen with less frequency so companies will give you a small discount.
• Bundled Policy Discount – When you combine your auto and homeowners insurance with one company you will save nearly 15% which can help you find the cheapest Volkswagen Jetta insurance in Colorado Springs.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save a little on the premium charged for medical payments and/or PIP.
• Own a Home – Owning a home in Colorado Springs can save a few bucks since home ownership is proof of financial responsibility.
• Payment Method – If paying your policy premium upfront rather than spreading payments over time you can avoid monthly service charges.
• Paper-free Discount – A few companies give back up to $50 for buying your policy on the internet.
• Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents and will save you 10% or more on Jetta insurance in Colorado Springs.
• Clubs and Organizations – Joining specific professional or occupational memberships or organizations could earn you a nice discount on car insurance.

You can save money using discounts, but many deductions do not apply to the whole policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

The illustration below shows the comparison of Volkswagen Jetta insurance costs with and without some available policy discounts. The premium estimates are based on a female driver, no claims, a clean driving record, Colorado state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, safe-driver, marriage, and claim-free discounts applied.

Popular car insurance companies and their offered discounts can be found below.

• GEICO policyholders can earn discounts including military active duty, driver training, federal employee, anti-theft, and air bags.
• Travelers may include discounts for home ownership, new car, multi-car, multi-policy, hybrid/electric vehicle, and IntelliDrive.
• Nationwide offers discounts for family plan, easy pay, good student, accident-free, and anti-theft.
• Farmers Insurance may have discounts that include pay in full, teen driver, mature driver, switch companies, and alternative fuel.
• Esurance has discounts for multi-policy, homeowner, safety device, good driver, good student, and anti-lock brakes.
• State Farm may offer discounts for student away at school, defensive driving training, Steer Clear safe driver discount, Drive Safe & Save, good student, and good driver.
• Progressive offers premium reductions for multi-vehicle, multi-policy, good student, continuous coverage, online quote discount, online signing, and homeowner.
• Mercury Insurance discounts include good student, ease of repair, location of vehicle, anti-theft, multi-policy, age of vehicle, and low natural disaster claims.

Before you buy a policy, ask each insurance company which credits you are entitled to. A few discounts might not be available to policyholders in your state. If you would like to see a list of insurance companies with the best discounts in Colorado, click this link.

Buying car insurance from Colorado Springs insurance agents

A small number of people prefer to talk to a local agent and there is nothing wrong with that. Good insurance agents can make sure you are properly covered and will help you if you have claims. A nice benefit of comparing car insurance online is the fact that you can find the lowest rates and still buy from a local agent.

Once you complete this short form, the quote information is sent to insurance agents in Colorado Springs who will give you bids for your business. You won’t even need to drive around because quoted prices will be sent to the email address you provide. If you wish to get a rate quote from one company in particular, just search and find their rate quote page and fill out their quote form.

Finding the right provider is decision based upon more than just a cheap quote. These are some valid questions you should ask.

• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Is there a 24/7 contact number?
• What will you get paid if your car is a total loss? How is that amount determined?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Are they in the agency full-time?
• Do they specialize in personal lines coverage in Colorado Springs?
• Does the agency have a positive business rating?

If you want a reputable agency, it can be helpful to understand the different types of agencies from which to choose. Car insurance policy providers are either independent (non-exclusive) or exclusive. Both can sell and service car insurance coverage, but it is a good idea to know why they differ because it can influence the type of agent you choose.

Exclusive Insurance Agents

Agents of this type normally can only provide a single company’s rates like State Farm, AAA, and Liberty Mutual. These agents are not able to compare other company’s rates so they have to upsell other benefits. These agents are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents.

Below is a short list of exclusive insurance agents in Colorado Springs who can help you get rate quotes.

More Colorado Springs agents

Independent Car Insurance Agencies

Agents that elect to be independent often have many company appointments so as a result can place your coverage with any number of different companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency.

When searching for an agent, you absolutely need to compare quotes from at least one independent agent so that you can do a thorough price comparison.

Shown below are Colorado Springs independent agents who can help you get rate quotes.

More Colorado Springs agents

Car insurance can get complicated

When quoting and choosing a policy for your vehicles, there really isn’t a one size fits all plan. Your financial needs are unique.

Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.

• What policy terms are available?
• When should I remove comp and collision on my Volkswagen Jetta?
• Can my babysitter drive my car?
• Who sells insurance for high-risk drivers?
• If I use my vehicle for business use is it covered?
• Will filing a claim cost me more?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Car insurance coverage considerations

Understanding the coverages of your policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like fire damage, a broken windshield, a tree branch falling on your vehicle, hitting a bird and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision protection

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sideswiping another vehicle, damaging your car on a curb, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible on your Jetta to save money on collision insurance.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills such as ambulance fees, doctor visits and surgery. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability

Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/15 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $15,000 for damage to vehicles and property.

Liability insurance covers things like repair bills for other people’s vehicles, legal defense fees, structural damage, pain and suffering and medical services. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford. Colorado state minimum liability requirements are 25/50/15 but drivers should carry more liability than the minimum.

The next chart demonstrates why low liability limits may not be high enough to cover claims.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many Colorado drivers have only the minimum liability required by law (Colorado limits are 25/50/15), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

More quotes mean more insurance savings

Affordable Volkswagen Jetta insurance in Colorado Springs can be purchased on the web in addition to local insurance agencies, and you should be comparing both so you have a total pricing picture. Some insurance companies may not offer price quotes online and usually these regional carriers provide coverage only through independent agents.

People switch companies for any number of reasons including unfair underwriting practices, extreme rates for teen drivers, high prices and questionable increases in premium. No matter why you want to switch, finding a great new company is not as difficult as it may seem.

As you go through the steps to switch your coverage, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where an insured cut full coverage to discover at claim time they didn’t purchase enough coverage. Your aim should be to purchase plenty of coverage at the lowest possible cost.

How to buy low-cost Volkswagen Jetta insurance in Colorado Springs

If saving money is your primary concern, then the best way to find low-cost prices for car insurance rates is to compare prices once a year from companies that sell auto insurance in Colorado Springs.

1. Gain an understanding of how companies set rates and the things you can change to keep rates down. Many things that cause high rates such as your driving record and a not-so-good credit rating can be eliminated by making lifestyle changes or driving safer.
2. Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from a single company like GEICO and Allstate, while agents who are independent can provide prices from multiple insurance companies.
3. Compare the new quotes to your existing rates and see if there is a cheaper rate in Colorado Springs. If you find better rates and decide to switch, make sure coverage is continuous and does not lapse.
4. Tell your current company of your intention to cancel the current policy and submit the signed application along with the required initial payment to your new company or agent. Once the paperwork is finalized, keep your new proof of insurance paperwork in an easily accessible location.

A good tip to remember is to use identical limits and deductibles on each quote and and to get quotes from as many auto insurance providers as possible. Doing this ensures a level playing field and the best price selection.

To read more, take a look at the articles below:

• Auto Insurance Basics (Insurance Information Institute)
• Who Has Cheap Colorado Springs Auto Insurance Rates for Infrequent Drivers? (FAQ)
• How Much are Car Insurance Rates for a GMC Sierra in Colorado Springs? (FAQ)
• Who Has Cheap Colorado Springs Auto Insurance for Welfare Recipients? (FAQ)
• What is the Cheapest Auto Insurance in Colorado? (FAQ)
• Who Has the Cheapest Car Insurance for Young Drivers in Colorado Springs? (FAQ)
• Who Has Affordable Colorado Springs Auto Insurance for 17 Year Olds? (FAQ)
• What Insurance is Cheapest for a Nissan Rogue in Colorado Springs? (FAQ)
• Uninsured Motorist Statistics (Insurance Information Institute)
• Auto Insurance FAQ (Farmers Insurance)
• Distracted Driving (Insurance Information Institute)
• Young Drivers: The High Risk Years Video (iihs.org)