Auto Insurance Rates for a Volkswagen Jetta in Aurora

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Insurance rates Volkswagen Jetta in AuroraDid you come to the realization that you have high-priced Volkswagen Jetta insurance in Aurora? Believe me, you're not the only one.

It's well known that auto insurance companies don't want you to look for cheaper rates. Consumers who compare rates once a year will, in all likelihood, switch to a new company because of the high probability of finding a cheaper policy. A study discovered that people who routinely compared rates saved about $860 a year compared to people who never compared rates.

If finding the cheapest rates on insurance in Aurora is your objective, understanding how to find and compare insurance can help you succeed in finding affordable rates.

How to find low-cost rates for Volkswagen Jetta insurance in Aurora

If saving money is your primary concern, then the best way to find cheaper auto insurance rates in Aurora is to regularly compare quotes from different companies in Colorado. Prices can be compared by following these guidelines.

  • Step 1: Gain an understanding of the different coverages in a policy and the measures you can take to prevent rate increases. Many policy risk factors that result in higher prices like accidents, traffic tickets, and an unacceptable credit score can be controlled by paying attention to minor details. Keep reading for more ideas to help reduce prices and find available discounts that you may qualify for.
  • Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like Progressive or Farmers Insurance, while independent agents can provide rate quotes for a wide range of companies.
  • Step 3: Compare the new rate quotes to your current policy premium to determine if switching companies saves money. If you find a lower rate and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

The most important part of shopping around is that you use similar limits and deductibles on every price quote and and to get rates from every company you can. This provides the most accurate price comparison and the best price selection.

Insurance companies such as State Farm, Progressive and GEICO persitently shower you with catchy ads and it is challenging if not impossible to see through the deception and do the work needed to find the best deal.

The companies in the list below offer comparison quotes in Colorado. If multiple companies are listed, we suggest you click on several of them to get a more complete price comparison.

Auto insurance quotes and discounts

Some providers don't always advertise all possible discounts very well, so the list below details both well-publicized and the harder-to-find savings tricks you should be using when you buy Aurora auto insurance online. If you do not double check each discount you deserve, you are just wasting money.Discount auto insurance

  • Drive Less and Save - Maintaining low annual mileage could earn better prices on cars that stay parked.
  • 55 and Retired - If you qualify as a senior citizen, you are able to get a small decrease in premiums.
  • Air Bag Discount - Factory air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
  • Sign Early and Save - Some larger companies reward drivers for switching to them before your current coverage expires. This can save 10% or more.
  • Seat Belt Discounts - Drivers who require all occupants to buckle up can save a little off the medical payments premium.

Discounts lower rates, but some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. So when it seems like you could get a free auto insurance policy, it just doesn't work that way.

The diagram below illustrates the difference between Volkswagen Jetta auto insurance rates with and without discounts applied to the policy premium. 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 $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, marriage, multi-policy, and claim-free discounts applied.

Auto insurance companies that may include these discounts are:

Before buying, ask every company to give you their best rates. Discounts may not apply to policyholders in Aurora.

Volkswagen Jetta insurance rates and statistics

The price information shown below highlights different coverage prices for Volkswagen Jetta models. Having a good grasp of how rates are formulated is important for you to make decisions when shopping your coverage around.

Volkswagen Jetta Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $212 $388 $338 $20 $100 $1,058 $88
Jetta S 2.5 Station Wagon $212 $388 $286 $16 $86 $988 $82
Jetta LE 4-Dr Sedan $212 $388 $338 $20 $100 $1,058 $88
Jetta SE 4-Dr Sedan $238 $458 $338 $20 $100 $1,154 $96
Jetta SE 2.5 Station Wagon $238 $458 $286 $16 $86 $1,084 $90
Jetta 2.0T 4-Dr Sedan $238 $458 $338 $20 $100 $1,154 $96
Jetta SEL 4-Dr Sedan $238 $458 $338 $20 $100 $1,154 $96
Jetta 2.0T Station Wagon $238 $458 $286 $16 $86 $1,084 $90
Get Your Own Custom Quote Go

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price information does not factor in vehicle garaging location which can raise or lower premiums greatly.

Auto insurance deductibles

One of the most common auto insurance questions is at what level do you set your deductibles. The comparison tables below illustrate the price difference between low and high physical damage deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.

Volkswagen Jetta insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $272 $458 $352 $20 $106 $1,233 $103
Jetta S 2.5 Station Wagon $272 $458 $298 $18 $90 $1,161 $97
Jetta LE 4-Dr Sedan $272 $458 $352 $20 $106 $1,233 $103
Jetta SE 4-Dr Sedan $306 $538 $352 $20 $106 $1,347 $112
Jetta SE 2.5 Station Wagon $306 $538 $298 $18 $90 $1,275 $106
Jetta 2.0T 4-Dr Sedan $306 $538 $352 $20 $106 $1,347 $112
Jetta SEL 4-Dr Sedan $306 $538 $352 $20 $106 $1,347 $112
Jetta 2.0T Station Wagon $306 $538 $298 $18 $90 $1,275 $106
Get Your Own Custom Quote Go
Volkswagen Jetta insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $168 $288 $352 $20 $106 $934 $78
Jetta S 2.5 Station Wagon $168 $288 $298 $18 $90 $862 $72
Jetta LE 4-Dr Sedan $168 $288 $352 $20 $106 $934 $78
Jetta SE 4-Dr Sedan $190 $340 $352 $20 $106 $1,008 $84
Jetta SE 2.5 Station Wagon $190 $340 $298 $18 $90 $936 $78
Jetta 2.0T 4-Dr Sedan $190 $340 $352 $20 $106 $1,008 $84
Jetta SEL 4-Dr Sedan $190 $340 $352 $20 $106 $1,008 $84
Jetta 2.0T Station Wagon $190 $340 $298 $18 $90 $936 $78
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Table data does not factor in garaging location in Aurora which can lower or raise price quotes considerably.

Based on the figures above, using a $250 deductible will cost in the ballpark of $26 more each month or $312 every year than requesting the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 29 months between claims, you would more than likely save some money if you decide on a higher deductible.

Auto insurance rates based on gender

The illustration below compares Volkswagen Jetta car insurance costs for male and female drivers. The rates are based on no accidents, no driving violations, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no policy discounts are applied.

Full coverage rates compared to liability-only

The example below illustrates the comparison of Volkswagen Jetta insurance costs with full physical damage coverage compared to only buying liability only. The costs are based on no accidents or driving violations, $500 deductibles, single marital status, and no discounts are applied.

Should you be buying full coverage?

There is no exact rule of when to stop paying for full coverage, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let's say your Volkswagen Jetta claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $3,000 after the deductible is paid. If you are paying in excess of $300 a year for your policy with full coverage, then you might want to think about dropping full coverage.

There are some conditions where eliminating full coverage is not a good idea. If you still have a lienholder on your title, you have to keep full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage.

Insurance agent or online?

A lot of people still prefer to go talk to an agent and that is a personal choice. Licensed agents can answer important questions and help you file claims. An additional benefit of comparing rates online is the fact that you can find cheap rate quotes and still have a local agent. Buying from and supporting neighborhood insurance agencies is still important in Aurora.

Find insurance agent in AuroraAfter completing this short form, your insurance coverage information is sent to local insurance agents who will give you bids for your car insurance coverage. It's much easier because you don't need to find an agent since rate quotes are delivered immediately to your email address. If for some reason you want to get a price quote from a specific company, just jump over to their website and complete a quote there.

Different types of Aurora car insurance agents

When researching a reputable agency, you should know the different types of agents and how they can quote your rates. Insurance agencies in Aurora are considered either independent agents or exclusive agents. Both types can insure your vehicles properly, but it is a good idea to know the difference between them since it can affect your agent selection.

Independent Car Insurance Agencies

These agents often have affiliation with several companies so they can write business with many different companies and find you the best rates. If they find a lower price, your agent can just switch to a different company and you don't have to do anything.

When comparing rate quotes, you should always get several quotes from several independent insurance agents so that you can do a thorough price comparison.

Shown below are independent insurance agents in Aurora who may provide rate quotes.


3033 S Parker Rd #120 - Aurora, CO 80014 - (303) 752-6479 - View Map


12142 E Mississippi Ave - Aurora, CO 80012 - (303) 695-1000 - View Map

A Complete Auto Insurance Agency
543 Sable Blvd - Aurora, CO 80011 - (303) 650-0060 - View Map

More insurance agents

Exclusive Agencies

Exclusive agents can only quote rates from one company like State Farm, Allstate and AAA. Exclusive agents are unable to provide other company's prices so you need to shop around if the rates are high. Exclusive agencies are usually quite knowledgeable in insurance sales which can be an advantage.

The following are Aurora exclusive insurance agents who can help you get comparison quotes.


2226 S Fraser St Unit 4 - Aurora, CO 80014 - (303) 751-4701 - View Map


1450 S Havana St Ste 308 - Aurora, CO 80012 - (303) 755-2600 - View Map

Stan Kellogg - State Farm Insurance Agent
15434 E Orchard Rd - Aurora, CO 80016 - (303) 699-2288 - View Map

More insurance agents

Picking the best insurance agency should depend on more than just a cheap price. Here are some questions you should ask.

  • Is the quote a firm price?
  • Are they able to influence company decisions when a claim is filed?
  • Which family members are covered?
  • Do the agents have professional certifications like CPCU or CIC?
  • Are there any extra charges for paying monthly?
  • Do they have cheaper tiers of coverage?

After talking to the agent and getting good responses and cheap Jetta insurance quotes, most likely you have located an insurance agent that meets the requirements to insure your vehicles. But keep in mind consumers can cancel a policy any time you want so don't think you're contractually obligated to any specific company with no way to switch.

Situations that may require an agent's advice

When it comes to buying your policy for your vehicles, there really is no "perfect" insurance plan. Everyone's situation is a little different.Safe vehicles cost less to insure

Here are some questions about coverages that might help in determining whether you will benefit from professional help.

  • How much cheaper are high deductibles?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my custom paint covered by insurance?
  • What is the difference between personal and commercial auto insurance policies?
  • Am I getting all the discounts available?
  • Is coverage enough to protect my assets?
  • Can I make deliveries for my home business?
  • Are rock-chip repairs free?
  • Am I covered if I hit my neighbor's mailbox?

If you can't answer these questions, you may need to chat with a licensed insurance agent. If you don't have a local agent, simply complete this short form. It is quick, free and may give you better protection.

Informed Consumers Know How to Buy Insurance More Affordably

Many different elements are considered when you get your auto insurance bill. Most are fairly basic like your driving record, but other factors are more transparent such as whether you are married or how safe your car is. When buying insurance it's important to understand a few of the rating criteria that aid in calculating your premiums. If you understand what influences your rates, this allows you to make good choices that may reward you with big savings.

The factors shown below are just a few of the factors utilized by car insurance companies to help set your rate level.

File claims and pay more - If you're an insured who likes to file claims you shouldn't be surprised to get either policy cancellation or increased premiums. Car insurance companies in Colorado give discounts to people who file claims infrequently. Insurance coverage is meant to be used in the event of larger claims.

Fast cars cost more to insure - The performance level of the vehicle you drive makes a substantial difference in your auto insurance rates. The lowest base rates will generally be found on lower performance four cylinder passenger cars, but the cost you end up paying is determined by many additional factors.

The following chart assumes a single male driver age 50, full coverage with $500 deductibles, and no discounts or violations. It illustrates Volkswagen Jetta car insurance rates compared to other models of vehicles that have different performance rating factors.

Older drivers pay less - Older insureds are more responsible, file fewer claims, and are safer drivers. Youthful drivers are proven to be less responsible when behind the wheel therefore insurance rates are much higher.

The following chart uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

Having a spouse reduces risk - Being married can actually save you money on your policy. Marriage means you're more mature and statistics prove being married results in fewer claims.

Alarms and GPS tracking lowers prices - Owning a car with a theft deterrent system can get you a discount on your insurance. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms help track and prevent your car from being stolen.

Volkswagen Jetta insurance loss data - Auto insurance companies use statistical claims data in order to profitably underwrite each model. Vehicles that are shown to have higher loss trends will be charged more to insure.

The table below illustrates the historical loss data for Volkswagen Jetta vehicles. For each insurance policy coverage type, the loss probability for all vehicles as a whole is equal to 100. Values below 100 indicate a favorable loss history, while values that are above 100 point to more frequent losses or statistically larger losses.

Volkswagen Jetta Insurance Claim Statistics
Vehicle 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
BETTER
AVERAGE
WORSE

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

Three main reasons to buy car insurance

Despite the potentially high cost of Volkswagen Jetta insurance, insuring your vehicle is mandatory in Colorado but it also protects more than you think.

  • Most states have minimum liability requirements which means state laws require a specific minimum amount of liability insurance coverage in order to be legal. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
  • If you have a loan on your Jetta, more than likely the lender will make it mandatory that you buy insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank may buy a policy for your Volkswagen at a more expensive rate and force you to pay for the expensive policy.
  • Car insurance preserves not only your Volkswagen Jetta but also your assets. Insurance will also pay for medical transport and hospital expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also covers legal expenses if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, your car insurance policy will pay to repair the damage.

The benefits of having car insurance outweigh the cost, especially for larger claims. Today the average American driver is wasting up to $810 a year so it's important to compare rates at least once a year to save money.

What is the best auto insurance company in Aurora?

Choosing a good quality car insurance provider can be challenging considering how many different insurance companies sell coverage in Colorado. The rank data displayed below could help you choose which auto insurers to look at comparing rates from.

Top 10 Aurora Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. AAA Insurance
  7. State Farm
  8. Nationwide
  9. Safeco
  10. Esurance

Top 10 Aurora Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance - 95%
  2. USAA - 94%
  3. AAA Insurance - 91%
  4. Nationwide - 90%
  5. State Farm - 90%
  6. The Hartford - 89%
  7. GEICO - 89%
  8. Allstate - 88%
  9. 21st Century - 88%
  10. The General - 88%

Don't give up on cheaper coverage

Some companies may not have internet price quotes and usually these smaller providers only sell through local independent agents. Cheaper auto insurance in Aurora is attainable from both online companies and from local agencies, so compare prices from both so you have a total pricing picture.

Consumers leave their current company for any number of reasons including delays in responding to claim requests, poor customer service, high prices and even unfair underwriting practices. Whatever your reason, switching auto insurance companies can be easy and end up saving you some money.

You just read some good ideas how you can get a better price on Volkswagen Jetta insurance in Aurora. The key concept to understand is the more providers you compare, the higher the chance of saving money. Consumers could even find that the lowest rates come from some of the lesser-known companies.

How to find affordable Volkswagen Jetta insurance in Aurora

To save the most money, the best way to save money on car insurance rates in Aurora is to regularly compare quotes from providers in Colorado.

  • First, read about policy coverages and the things you can control to drop your rates. Many rating factors that cause rate increases such as traffic citations, accidents, and a low credit rating can be amended by making minor changes to your lifestyle.
  • Second, quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like GEICO and State Farm, while agents who are independent can provide price quotes from multiple sources.
  • Third, compare the quotes to your current policy to see if switching to a new carrier will save money. If you find a lower rate and change companies, make sure there is no lapse in coverage.
  • Fourth, tell your current company to cancel your current policy. Submit a down payment along with a completed application to the new company. Once received, keep the new proof of insurance certificate in your vehicle's glove compartment or console.

The most important part of this process is to make sure you enter the same deductibles and limits on every quote request and and to get quotes from every company you can. This ensures a fair price comparison and and a good selection of different prices.

More information is available at the links below