How long has it been since you compared low-cost Volkswagen Jetta insurance in Durham? Having to pay for pricey Volkswagen Jetta insurance in Durham can deplete your personal savings and put the squeeze on your family’s finances.
Shockingly, a large majority of car insurance policyholders have purchased from the same company for over three years, and approximately 40% of consumers have never compared car insurance rates at all. Most drivers in North Carolina could cut their rates by $94 a year by just shopping around, but most undervalue the actual amount they would save if they bought a different policy. Due to the fact that there are so many companies and agents to choose from, it is very difficult to find the most affordable car insurance provider.
Smart consumers take time to get comparison quotes occasionally because prices are constantly changing. Even if you think you had the best quotes on Volkswagen Jetta insurance in Durham a few years ago a different company probably has better rates today. Ignore everything you know about car insurance because you’re about to find out the best methods to properly buy coverages while reducing your premium.
Cheaper rates with these premium slashing discounts
Insurance can be prohibitively expensive, but companies offer discounts that may help make it more affordable. Certain discounts will be applied when you get a quote, but a few must be requested specifically before being credited. If you do not double check each discount possible, you could be saving more on your auto insurance.
- Safety Restraint Discount – Requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
- E-sign Discounts – A handful of insurance companies will give you a small discount for completing your application over the internet.
- Onboard Data Collection – People who choose to allow driving data submission to spy on where and when they drive by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they exhibit good driving behavior.
- Passive Restraints – Factory air bags may get savings of 25 to 30%.
- College Student Discount – College-age children who are attending college and won’t have access to an insured vehicle could get you a discount.
- More Vehicles More Savings – Drivers who insure multiple cars on a single policy may reduce the rate for each vehicle.
- Own a Home and Save – Owning a home in Durham may earn you a small savings because it demonstrates responsibility.
- Good Students Pay Less – Maintaining excellent grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
- Driver Safety – Taking a class that teaches safe driver techniques could earn you a small percentage discount and make you a better driver.
- Discounts for Federal Employees – Active or former government employment can save as much as 8% depending on your company.
Policy discounts save money, but most credits do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, you aren’t that lucky.
The example below compares Volkswagen Jetta premium costs with and without discounts applied to the policy rates. The data assumes a female driver, no accidents, no driving violations, North Carolina state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, safe-driver, multi-policy, and claim-free discounts applied.
A few popular companies and some of the premium reductions they offer are outlined below.
- Farm Bureau offers discounts for multi-policy, renewal discount, 55 and retired, youthful driver, and multi-vehicle.
- Liberty Mutual discounts include teen driver discount, preferred payment discount, multi-car, new vehicle discount, multi-policy, and hybrid vehicle.
- State Farm offers premium reductions for good driver, multiple autos, multiple policy, good student, and defensive driving training.
- Auto-Owners Insurance may offer discounts for paperless, anti-lock brakes, safe driver, group or association, student away at school, and air bags.
- GEICO has discounts for federal employee, good student, daytime running lights, air bags, and multi-policy.
- SAFECO policyholders can earn discounts including multi-car, drive less, anti-lock brakes, anti-theft, and bundle discounts.
If you need lower rates, check with each company or agent which discounts you may be entitled to. Discounts might not be available to policyholders in every state. If you would like to view auto insurance companies that offer many of these discounts in North Carolina, click here to view.
Shop Volkswagen Jetta insurance online
Most major insurance companies give pricing on their websites. Doing online price comparisons for Volkswagen Jetta insurance in Durham can be done by anyone as you just enter your coverage information into a form. After the form is submitted, the quote system pulls credit information and your driving record and returns pricing information based on many factors. The ability to get online price quotes for Volkswagen Jetta insurance in Durham makes it easy to compare insurance prices and it is important to have as many quotes as possible if you want to get lower-cost auto insurance pricing.
In order to fill out one form to compare multiple rates now, visit the companies below or click here to submit a quote request to multiple companies at once. To compare your current rates, we recommend you replicate the insurance coverages as close as possible to your current policy. Doing this assures you will have rate quotes for the exact same coverage.
The following companies can provide quotes in North Carolina. If multiple companies are listed, we suggest you visit two to three different companies in order to get a fair rate comparison.
Auto insurance statistics and figures
The rate table displayed below covers a range of coverage prices for Volkswagen Jetta models. Having a good understanding how insurance prices are formulated is important for you to make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $136 | $204 | $326 | $20 | $98 | $784 | $65 |
| Jetta S 2.5 Station Wagon | $136 | $204 | $278 | $16 | $84 | $718 | $60 |
| Jetta LE 4-Dr Sedan | $136 | $204 | $326 | $20 | $98 | $784 | $65 |
| Jetta SE 4-Dr Sedan | $152 | $240 | $326 | $20 | $98 | $836 | $70 |
| Jetta SE 2.5 Station Wagon | $152 | $240 | $278 | $16 | $84 | $770 | $64 |
| Jetta 2.0T 4-Dr Sedan | $152 | $240 | $326 | $20 | $98 | $836 | $70 |
| Jetta SEL 4-Dr Sedan | $152 | $240 | $326 | $20 | $98 | $836 | $70 |
| Jetta 2.0T Station Wagon | $152 | $240 | $278 | $16 | $84 | $770 | $64 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate quotes do not factor in garaging location in Durham which can modify coverage rates noticeably.
How high should deductibles be?
When buying auto insurance, a common question is where to set your physical damage deductibles. The following insurance rates show the rate fluctuation when you select higher and lower insurance deductibles. The first price estimate table uses a $250 physical damage coverage deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $192 | $324 | $250 | $14 | $74 | $879 | $73 |
| Jetta S 2.5 Station Wagon | $192 | $324 | $212 | $12 | $64 | $829 | $69 |
| Jetta LE 4-Dr Sedan | $192 | $324 | $250 | $14 | $74 | $879 | $73 |
| Jetta SE 4-Dr Sedan | $218 | $382 | $250 | $14 | $74 | $963 | $80 |
| Jetta SE 2.5 Station Wagon | $218 | $382 | $212 | $12 | $64 | $913 | $76 |
| Jetta 2.0T 4-Dr Sedan | $218 | $382 | $250 | $14 | $74 | $963 | $80 |
| Jetta SEL 4-Dr Sedan | $218 | $382 | $250 | $14 | $74 | $963 | $80 |
| Jetta 2.0T Station Wagon | $218 | $382 | $212 | $12 | $64 | $913 | $76 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $156 | $262 | $250 | $14 | $74 | $756 | $63 |
| Jetta S 2.5 Station Wagon | $156 | $262 | $212 | $12 | $64 | $706 | $59 |
| Jetta LE 4-Dr Sedan | $156 | $262 | $250 | $14 | $74 | $756 | $63 |
| Jetta SE 4-Dr Sedan | $176 | $308 | $250 | $14 | $74 | $822 | $69 |
| Jetta SE 2.5 Station Wagon | $176 | $308 | $212 | $12 | $64 | $772 | $64 |
| Jetta 2.0T 4-Dr Sedan | $176 | $308 | $250 | $14 | $74 | $822 | $69 |
| Jetta SEL 4-Dr Sedan | $176 | $308 | $250 | $14 | $74 | $822 | $69 |
| Jetta 2.0T Station Wagon | $176 | $308 | $212 | $12 | $64 | $772 | $64 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rates do not factor in specific Durham garaging location which can impact coverage rates significantly.
Based on these figures, using a $250 deductible will cost you about $11 more each month or $132 a year averaged for all Jetta models than choosing the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 23 months between claims, you would probably come out ahead if you decide on a higher deductible.
The illustration below illustrates how your deductible choice and can change Volkswagen Jetta insurance premiums for different insured age categories. The premiums assume a married male driver, full coverage, and no additional discounts are factored in.
Auto insurance cost for men versus women in Durham
The information below shows the comparison of Volkswagen Jetta annual premium costs for male and female drivers. The information is based on no accidents, no driving violations, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
Volkswagen Jetta liability rates compared to full coverage
The diagram below visualizes the comparison of Volkswagen Jetta car insurance costs when comparing full coverage to liability only. The information is based on a clean driving record, no claims, $100 deductibles, marital status is single, and no discounts are factored in.
Should you pay for full coverage or liability only?
There is no set guideline of when to phase out comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s pretend your Volkswagen Jetta settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $4,000 after you pay the deductible. If you are paying over $400 a year for physical damage coverage, then it might be time to consider dropping full coverage.
There are some scenarios where only buying liability is not a good plan. If you haven’t satisfied your loan, you have to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage.
Components of Your Volkswagen Jetta Insurance Premiums
The best way to find cheaper auto insurance is to take a look at some of the factors that come into play when calculating your premiums. If you know what influences your rates, this allows you to make good choices that may reward you with lower premium levels.
- Getting married can lower rates – Getting married actually saves money when shopping for auto insurance. It is viewed as being more mature and responsible and it’s proven that drivers who are married are more cautious.
- The more you drive the more you pay – The more miles you rack up on your Volkswagen each year the more you’ll pay to insure it. Most companies price each vehicle’s coverage partially by how you use the vehicle. Cars used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. An improperly rated Jetta is just wasting money. Verify your auto insurance coverage properly reflects the correct usage for each vehicle, because it can save money.
- Eliminate unneeded incidental coverages – There are many add-on coverages that can waste your money if you aren’t diligent. Things like replacement cost coverage, towing coverage, and additional equipment coverage are some examples. These coverages may sound good at first, but if you have no use for them remove them and pocket the money.
- File insurance claims and pay more – If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Insurance companies in North Carolina award lower rates to people who do not file claims often. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
- Better auto insurance rates on vehicles with better crash test results – Safe vehicles cost less to insure. The safest vehicles have better occupant injury protection and fewer injuries translates into savings for insurance companies which can mean better rates for you.
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Driver age impacts prices – More experienced drivers are more cautious drivers, tend to cause fewer accidents, and get fewer tickets. Youthful drivers are statistically shown to be easily distracted when driving with friends so they pay higher auto insurance rates.
The next chart uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.
- Allowing your coverage to lapse raises prices – Not having insurance is a big no-no and your next policy will cost more because you let your coverage have a gap. In addition to paying higher premiums, getting caught without coverage may result in fines and jail time.
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Volkswagen Jetta statistical loss data – Auto insurance companies include the past claim history for a vehicle to help determine the price you pay. Models that historically have a trend towards higher claims will have a higher cost to insure. The next table shows the loss history for Volkswagen Jetta vehicles.
For each coverage type, the claim amount for all vehicles, regardless of make, model or trim level, is set at 100. Numbers shown that are under 100 suggest a positive loss record, while percentages above 100 indicate a higher chance of having a claim or tendency to have higher losses.
Auto Insurance Loss Data for Volkswagen Jetta Models Make and 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Insurance is available from your local insurance agencies
Certain consumers would rather sit down with an agent and doing so can bring peace of mind Good insurance agents can make sure you are properly covered and help file insurance claims. An additional benefit of price shopping on the web is that drivers can save money and get better rates but also keep your business local.
After filling out this simple form, your coverage information is emailed to insurance agents in Durham who will give you quotes for your business. You won’t even need to do any legwork because quoted prices will be sent to the email address you provide. If you want to get a price quote for a specific company, just visit that company’s website to submit a rate quote request.
Picking an insurance company shouldn’t rely on just the quoted price. These questions are important to ask:
- Will they make sure you get an adequate claim settlement?
- Can they give you a list of client referrals?
- Are they giving you every discount you deserve?
- If your car is in the repair shop, do you have coverage for a rental car?
- Does the agent help file claims?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- How often do they review coverages?
- Does their agency support local causes in Durham?
Types of auto insurance agents in Durham
If you want a reputable insurance agent or broker, it helps to know the two different agency structures and how they can service your needs differently. Agents can be categorized as either independent or exclusive. Both types of agents can insure your vehicles properly, but it’s a good idea to understand the differences since it can affect the selection process.
Exclusive Agencies
Agents in the exclusive channel have only one company to place business with and examples are Farmers Insurance, Allstate, or State Farm. They are unable to shop your coverage around so you might not find the best rates. Exclusive agencies are well schooled on what they offer and that allows them to sell at a higher price point.
Below is a list of exclusive insurance agents in Durham that are able to give comparison quotes.
Ashley Manuel – State Farm Insurance Agent
5842 Fayetteville Rd #112 – Durham, NC 27713 – (919) 544-8101 – View Map
Debbie Leonard – State Farm Insurance Agent
3702 Hillsborough Rd #2b – Durham, NC 27705 – (919) 383-3887 – View Map
Zonya Autmon – State Farm Insurance Agent
2402 S Miami Blvd #103 – Durham, NC 27703 – (919) 993-3555 – View Map
Independent Insurance Agents
Agents that elect to be independent are not limited to a single company and that is an advantage because they can write policies through lots of different companies and find you cheaper rates. If they quote lower rates, your policy is moved internally and that require little work on your part. If you are comparing insurance prices, it’s recommended you contact a few independent agents so that you can do a thorough price comparison.
The following are independent agents in Durham that can give you price quotes.
The Insurance Pros, Inc.
1210 Cole Mill Rd Suite 101 – Durham, NC 27705 – (919) 294-6613 – View Map
Marsh Dawson Insurance Agency
5410 – Durham, NC 27713 – (919) 484-8400 – View Map
Insurance Pros: Paradis James
3200 Croasdaile Dr # 603 – Durham, NC 27705 – (919) 294-6613 – View Map
After getting good responses to your questions and a low price estimate, you have narrowed it down to an insurance agent that meets the requirements to provide insurance coverage.
Car insurance is not optional but you don’t have to overpay
Despite the high insurance cost for a Volkswagen Jetta in Durham, maintaining insurance is not optional due to several reasons.
- Most states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability in order to drive the car. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your Jetta, it’s guaranteed your bank will make it a condition of the loan that you have comprehensive coverage to guarantee loan repayment. If the policy lapses, the bank may insure your Volkswagen at an extremely high rate and force you to pay for it.
- Car insurance preserves both your Volkswagen Jetta and your assets. Insurance will pay for all forms of medical expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if anyone sues you for causing an accident. If your car is damaged in a storm or accident, your car insurance policy will cover the damage repairs after a deductible is paid.
The benefits of insuring your Jetta greatly outweigh the cost, especially when you need to use it. Unknowingly, the average driver is overpaying more than $800 each year so compare rate quotes at every renewal to be sure current rates are still competitive.
Best auto insurance company in North Carolina
Insuring your vehicle with a highly-rated insurance provider is hard considering how many choices you have in Durham. The company ratings below could help you select which coverage providers you want to consider comparing rates with.
Top 10 Durham Car Insurance Companies Overall
- Travelers
- USAA
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
- American Family
Affordable auto insurance premiums are out there
We covered a lot of information how to save on Volkswagen Jetta insurance in Durham. The key thing to remember is the more companies you get prices for, the better chance you’ll have of finding cheaper Durham auto insurance quotes. You may even be surprised to find that the lowest premium rates come from the least-expected company. These companies may often insure only within specific states and give better rates compared to the large companies like State Farm, GEICO and Nationwide.
There are still a few companies who don’t offer rate quotes online and usually these smaller companies provide coverage only through independent agents. Budget-friendly auto insurance in Durham is attainable both online and also from your neighborhood Durham agents, so compare prices from both to get a complete price analysis.
How to find affordable Volkswagen Jetta insurance in Durham
If saving money is your primary concern, then the best way to get more affordable Volkswagen Jetta insurance in Durham is to make a habit of regularly comparing prices from insurers who provide auto insurance in North Carolina. This can be done by completing these steps.
First, gain an understanding of how auto insurance works and the measures you can control to keep rates in check. Many factors that result in higher rates like tickets, at-fault accidents, and a low credit rating can be controlled by making minor changes to your lifestyle.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like Progressive or State Farm, while independent agents can provide prices from multiple companies.
Third, compare the new quotes to your existing coverage and determine if there is any savings. If you can save some money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
A key point to remember is that you’ll want to make sure you compare similar coverage information on each quote request and and to get quotes from as many carriers as you can. Doing this provides a fair price comparison and many rates to choose from.
More information is available at these links:
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Who Has Affordable Car Insurance Rates for a Toyota 4Runner in Durham? (FAQ)
- Safe Vehicles for Teens (iihs.org)
- Property Damage Coverage (Liberty Mutual)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)