Cheap Volkswagen Jetta Insurance in Irvine

If you want to find the absolute lowest rates, then the best way to find the cheapest price for auto insurance rates in Irvine is to compare quotes once a year from insurance carriers in California.

• First, try to learn a little about how companies set rates and the things you can control to keep rates down. Many things that are responsible for high rates like your driving record and your credit history can be eliminated by making minor driving habit or lifestyle changes. Read the full article for more details to prevent high rates and get additional discounts that may have been overlooked.
• Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO or Allstate, while independent agents can provide prices for a wide range of insurance providers.
• Third, compare the new rates to your current policy to see if you can save by switching companies. If you can save some money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
• Fourth, tell your current company of your intention to cancel your current policy. Submit any necessary down payment along with the completed application to your new carrier. Be sure to keep the new certificate of insurance in your vehicle.

One tip to remember is to try to compare the same coverage limits and deductibles on each quote and to quote with as many different companies as possible. Doing this provides an accurate price comparison and plenty of rates choose from.

A recent insurance study revealed that most consumers in California have remained with the same insurance company for four years or more, and almost half have never quoted insurance rates at all. With the average premium in the United States being $1,847, drivers could save themselves 47% a year by just comparing quotes, but they just don’t want to compare rate quotes.

The providers in the list below have been selected to offer quotes in California. If you want the best auto insurance in Irvine, it’s highly recommended you click on several of them to get a more complete price comparison.

Verify you’re applying every discount

Some insurance providers do not advertise every discount available in an easy-to-find place, so below is a list both the well known and also the lesser-known discounts you could be receiving when you buy Irvine car insurance online. If you check and find you aren’t receiving every discount possible, you could be paying more than you need to.

• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts could cut 10% or more off PIP or medical payments premium.
• Sign Online – A few companies will discount your bill up to fifty bucks for buying your policy digitally online.
• Include Life Insurance and Save – If the company offers life insurance, you could get better rates if you take out some life insurance in addition to your auto policy.
• Theft Deterrent Discount – Cars and trucks with anti-theft systems are stolen less frequently and will qualify for a discount on a Irvine car insurance quote.
• Save over 55 – If you’re over the age of 55, you may be able to get a small discount on rates.
• Clubs and Organizations – Joining specific professional or occupational memberships or organizations could trigger savings on your next car insurance statement.
• Good Students Pay Less – Getting good grades can save 20 to 25%. The discount lasts up until you turn 25.

Keep in mind that some credits don’t apply to all coverage premiums. Most only apply to specific coverage prices like collision or personal injury protection. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way.

The illustration below compares Volkswagen Jetta car insurance rates with and without some available policy discounts. Data assumes a male driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, multi-policy, claim-free, homeowner, and safe-driver discounts applied.

Large car insurance companies and a partial list of their discounts are outlined below.

• GEICO may offer discounts for federal employee, defensive driver, driver training, emergency military deployment, seat belt use, air bags, and multi-policy.
• Auto-Owners Insurance may have discounts that include student away at school, multiple vehicles, safe driver, paid in full, anti-theft, and good student.
• American Family has savings for air bags, TimeAway discount, Steer into Savings, accident-free, good student, multi-vehicle, and early bird.
• Esurance may include discounts for emergency road assistance, multi-car, Switch & Save, safety device, DriveSense, and anti-theft.
• Progressive offers discounts including good student, homeowner, continuous coverage, multi-policy, and online signing.
• State Farm policyholders can earn discounts including accident-free, anti-theft, good student, safe vehicle, multiple policy, and Drive Safe & Save.
• AAA offers premium reductions for education and occupation, good driver, good student, multi-car, anti-theft, and multi-policy.

Double check with all companies you are considering what discounts are available to you. A few discounts may not apply in every state. To choose providers that have a full spectrum of discounts in California, follow this link.

Rates and other information

The price information below outlines a range of insurance rates for Volkswagen Jetta models. Being able to understand how auto insurance premiums are established can aid in making smart choices when purchasing an auto insurance policy.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Prices do not factor in specific zip code location which can modify premium rates greatly.

Physical damage deductible comparison

One of the most common insurance questions is how high should the deductibles for physical damage be. The premium rates below approximate the rate difference when you choose different policy deductibles. The first data table uses a $250 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Premium costs do not factor in specific location which can influence auto insurance rates greatly.

We can estimate from the data above that using a $250 deductible will cost in the ballpark of $19 more each month or $228 for a full year than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 13 months between claims, you would probably come out ahead if you decide on a higher deductible.

The diagram below shows how choosing a deductible and can increase or decrease Volkswagen Jetta insurance rates for different age groups. The premium estimates are based on a single female driver, full physical damage coverage, and no other discounts are factored in.

Insurance rates by age and gender in Irvine

The diagram below compares Volkswagen Jetta car insurance costs for male and female drivers. The costs are based on no accidents, no driving violations, comp and collision included, $500 deductibles, single status, and no discounts are taken into consideration.

Volkswagen Jetta liability rates compared to full coverage

The illustration below illustrates the comparison of Volkswagen Jetta premium costs with full physical damage coverage compared to only buying liability only. The premiums assume a clean driving record, no claims, $100 deductibles, single marital status, and no other discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no definitive formula to eliminate full coverage, but there is a guideline you can consider. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Volkswagen Jetta book value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $7,000 after paying your deductible. If it’s costing you more than $700 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some conditions where dropping physical damage coverage is not recommended. If you haven’t paid off your loan, you have to keep full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should maintain full coverage.

Six factors that determine insurance costs

The best way to find cheaper auto insurance is to take a look at some of the factors that are used to determine your auto insurance rates. If you have a feel for what impacts premium levels, this allows you to make educated decisions that can help you get lower rates. Many different elements are used in the calculation when pricing auto insurance. Some are pretty understandable such as traffic violations, although some other factors are less obvious such as your marital status or how financially stable you are.

Shown below are a partial list of the pieces utilized by car insurance companies to help set your prices.

Claim-free discounts can add up – Auto insurance companies in California give the lowest premiums to drivers who only file infrequent claims. If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance is meant to be used in the event of more catastrophic claims.

Low comp and collision deductibles cost more – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. Some examples of claims that would be covered would be a dented fender, vandalism, and damage caused by flying debris. Comprehensive and collision coverage deductibles define the amount you are required to spend out-of-pocket before a claim is paid by your company. The more expense you have to pay, the less money you will pay for auto insurance.

Avoid tickets and save – Drivers who don’t get tickets get better prices than people who have multiple driving citations. Having just one driving citation can increase rates substantially. Drivers who have careless violations like DWI, reckless driving or hit and run convictions may find that they have to to complete a SR-22 with their state DMV in order to prevent their license from being revoked.

The example below highlights how traffic violations and at-fault claims can drive up Volkswagen Jetta auto insurance rates for each different age group. The premiums are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are factored in.

A good credit rating can save money – Having a good credit rating can be a huge factor in determining what you pay. If your credit rating leaves room for improvement, you could save money insuring your Volkswagen Jetta by taking the time to improve your credit score. Insureds that have high credit ratings tend to be less risk to insure as compared to drivers with worse credit.

How much liability do you need? – Liability coverage is the coverage that protects you in the event that a court rules you are at fault for damages from an accident. Liability insurance provides you with a defense in court to attempt to prove you were not liable. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.

Employer reflects on prices – Do you work in a high-stress field? Occupations such as military generals, airline pilots, and financial analysts tend to pay higher rates than the rest of us due to intense work-related stress and lots of time spent at work. Other jobs like actors, engineers and the unemployed have the lowest average rates.

Volkswagen Jetta insurance claim data – Insurers study historical loss data when they file their rates in each state. Vehicles that the data shows to have higher losses will cost more to insure. The next table shows the historical loss data for Volkswagen Jetta vehicles.

For each insurance policy coverage type, the claim amount for all vehicles, as an average, is equal to 100. Percentages below 100 suggest losses that are better than average, while numbers shown that are more than 100 indicate more frequent losses or an increased probability of a larger loss.

Local Irvine car insurance agents

A small number of people would prefer to sit down with an agent and that is a smart decision Experienced insurance agents can help you build your policy and give you someone to call. An additional benefit of comparing rates online is you can get lower rates but still work with a licensed agent. Buying from and supporting small agencies is definitely important in Irvine.

To find an agent, once you fill out this form (opens in new window), your coverage information is immediately sent to agents in your area who will give you bids for your coverage. You never need to search for an agent since rate quotes are delivered to you instantly. If you want to quote rates from a particular provider, don’t hesitate to jump over to their website and submit a quote form there.

Types of car insurance agents

If you want local Irvine agents, it helps to know the two different types of agencies that you can select. Agencies in Irvine are classified as either exclusive or independent agents depending on their company appointments. Both types of agents can sell and service car insurance coverage, but it’s a good idea to understand the differences because it can influence your selection of an agent.

Independent Insurance Agents

Independent insurance agents do not write with just one company and that gives them the ability to insure through lots of different companies and help determine which has the cheapest rates. If they quote lower rates, an independent agent can move your coverage and you don’t have to do anything. When shopping rates, you need to check rates from at a minimum one independent agency to get the best comparison.

Listed below are Irvine independent agencies who can help you get comparison quotes.

More Irvine agents

Exclusive Car Insurance Agents

Agents that elect to be exclusive have only one company to place business with like State Farm, Allstate, and Farm Bureau. These agents are unable to provide rate quotes from other companies so keep that in mind. Exclusive agents are usually well trained on their company’s products which helps them sell on service rather than price.

Shown below is a short list of exclusive insurance agents in Irvine willing to provide rate quotes.

More Irvine agents

Choosing an insurance agency requires you to look at more than just the price. Any agent in Irvine should be willing to answer these questions.

• Are you getting all the discounts the company offers?
• Which companies can they place coverage with?
• Do they carry Errors and Omissions coverage?
• Are they paid to recommend certain coverages?
• Which family members are covered?
• Is the agent and/or agency licensed to do business in California?

Don’t give up on cheap premiums

A few companies do not provide price quotes online and these small insurance companies sell through independent agencies. Lower-priced Volkswagen Jetta insurance in Irvine can be found on the web and from local agencies, and you need to comparison shop both to have the best selection.

As you quote Irvine car insurance, do not skimp on coverage in order to save money. In many instances, someone dropped full coverage only to discover later that the savings was not a smart move. Your focus should be to purchase plenty of coverage at the best price, not the least amount of coverage.

To read more, feel free to visit the resources below:

• Understanding Your Insurance Deductible (Insurance Information Institute)
• Who Has the Cheapest Car Insurance Quotes for 16 Year Olds in Irvine? (FAQ)
• Who Has the Cheapest Auto Insurance for Teenage Males in Irvine? (FAQ)
• How Much are Irvine Car Insurance Rates for a Ford Escape? (FAQ)
• Who Has Cheap Car Insurance Quotes for a Honda Pilot in Irvine? (FAQ)
• Understanding Car Crashes Video (iihs.org)
• How to shop for a safer car (Insurance Institute for Highway Safety)