Want to learn the secrets to finding cheaper Volkswagen Jetta insurance in Long Beach? Overwhelmed by the number of insurance choices available to you? You have such a large number of options that it can be a difficult situation to find lower rates on Volkswagen Jetta insurance. Long Beach is an excellent city in which to live, but high insurance prices can make it nearly impossible for many drivers to pay other bills every month.
Unbelievable but true according to a study nearly 70% of customers have been with the same company for more than four years, and 38% of customers have never compared quotes from other companies. American insurance shoppers could save $860 every year just by comparing rates, but they don’t understand how simple it is to compare other rate quotes.
If you have coverage now, you will definitely be able to lower your rates using these tips. Quoting and comparing more affordable protection in Long Beach is not as confusing as people think. But California car owners need to learn how companies sell online and use this information to your advantage.
Just remember that comparing a large number of companies helps locate the best price. Not every company provides price estimates online, so you need to compare quotes from those companies as well.
The auto insurance companies shown below provide free quotes in Long Beach, CA. If you want cheaper auto insurance in Long Beach, CA, it’s a good idea that you visit several of them to get the cheapest price.
Statistics and details
The coverage information displayed next outlines detailed analysis of rate quotes for Volkswagen Jetta models. Knowing how rates are figured is important to be able to make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $182 | $354 | $500 | $30 | $150 | $1,216 | $101 |
| Jetta S 2.5 Station Wagon | $182 | $354 | $424 | $26 | $128 | $1,114 | $93 |
| Jetta LE 4-Dr Sedan | $182 | $354 | $500 | $30 | $150 | $1,216 | $101 |
| Jetta SE 4-Dr Sedan | $204 | $418 | $500 | $30 | $150 | $1,302 | $109 |
| Jetta SE 2.5 Station Wagon | $204 | $418 | $424 | $26 | $128 | $1,200 | $100 |
| Jetta 2.0T 4-Dr Sedan | $204 | $418 | $500 | $30 | $150 | $1,302 | $109 |
| Jetta SEL 4-Dr Sedan | $204 | $418 | $500 | $30 | $150 | $1,302 | $109 |
| Jetta 2.0T Station Wagon | $204 | $418 | $424 | $26 | $128 | $1,200 | $100 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Premium costs do not factor in specific location information which can revise premium rates noticeably.
Analysis of deductible levels
One frequently asked question is how high should the deductibles for physical damage be. The comparison tables below summarize how much more you’ll pay between low and high coverage deductibles. The first set of rates uses a $100 physical damage deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Jetta S 2.5 Station Wagon | $380 | $686 | $376 | $22 | $112 | $1,601 | $133 |
| Jetta LE 4-Dr Sedan | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Jetta SE 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Jetta SE 2.5 Station Wagon | $430 | $810 | $376 | $22 | $112 | $1,775 | $148 |
| Jetta 2.0T 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Jetta SEL 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Jetta 2.0T Station Wagon | $430 | $810 | $376 | $22 | $112 | $1,775 | $148 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Jetta S 2.5 Station Wagon | $210 | $362 | $376 | $22 | $112 | $1,082 | $90 |
| Jetta LE 4-Dr Sedan | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Jetta SE 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Jetta SE 2.5 Station Wagon | $238 | $426 | $376 | $22 | $112 | $1,174 | $98 |
| Jetta 2.0T 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Jetta SEL 4-Dr Sedan | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Jetta 2.0T Station Wagon | $238 | $426 | $376 | $22 | $112 | $1,174 | $98 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Information does not factor in vehicle garaging location which can revise rates noticeably.
Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $47 more each month or $564 a year across all Volkswagen Jetta models than buying the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 19 months between claim filings, you would most likely save money if you choose a higher deductible. The table below shows an example of how you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $147 |
| Average monthly premium for $1,000 deductibles (subtract): | – $100 |
| Monthly savings from raising deductible: | $47 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $47 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One important issue to know is that a higher deductible means you will have to pay more of your own money if you have a claim. That will require some available funds in the event you have to pay more for the deductible.
Volkswagen Jetta insurance premiums by gender and age
The information below illustrates the comparison of Volkswagen Jetta insurance costs for male and female drivers. The premiums assume no tickets, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no other discounts are factored in.
Rate comparison of full coverage and liability-only
The illustration below visualizes the comparison of Volkswagen Jetta yearly insurance costs with full physical damage coverage compared to only buying liability only. The information is based on a clean driving record, no claims, $250 deductibles, drivers are not married, and no additional discounts are factored in.
Guidelines for dropping full coverage
There is no definitive rule to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let’s pretend your Volkswagen Jetta book value is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $7,000 after the policy deductible has been paid. If premiums are more than $700 annually for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some circumstances where buying only liability insurance is not financially feasible. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should maintain full coverage.
Auto insurance just makes sense
Despite the high cost, insurance serves a purpose in several ways.
- Just about all states have mandatory insurance requirements which means it is punishable by state law to not carry a specific level of liability in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a loan on your Jetta, most banks will require that you have insurance to protect their interest in the vehicle. If you default on your policy, the bank may buy a policy for your Volkswagen for a lot more money and make you pay much more than you were paying before.
- Auto insurance preserves your car and your assets. Insurance will pay for all forms of medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of your driving. If your Volkswagen gets damaged, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of having insurance more than offset the price you pay, particularly when you have a large claim. An average driver in America overpays more than $810 a year so we recommend shopping around at least once a year to be sure current rates are still competitive.
Why Informed Drivers Pay Less for Volkswagen Jetta Insurance
Smart consumers have a good feel for some of the elements that come into play when calculating your policy premiums. If you have a feel for what influences your rates, this enables you to make decisions that may result in lower car insurance prices. Many different elements are considered when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, although others are less obvious such as your marital status or your financial responsibility.
Pay more of a claim out-of-pocket – Your deductibles are how much you are willing to pay if the claim is covered. Physical damage coverage, also called comprehensive and collision insurance, is used to repair damage to your car. Some instances where coverage would apply could be collision with another vehicle, hail damage, and having a roll-over accident. The more the insured has to pay upfront, the less your company will charge you for insurance.
Get a ticket, pay higher rates – Attentive drivers tend to pay less for car insurance as compared to careless drivers. Even a single speeding ticket can increase rates substantially. Drivers who get serious violations such as DUI or willful reckless driving might be required by their state to submit a SR-22 form with their state in order to drive a vehicle legally.
The information below illustrates how violations and at-fault accidents can raise Volkswagen Jetta car insurance rates for different ages of insureds. The rates are based on a married female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
Job reflects on rates – Jobs such as lawyers, executives, and accountants are shown to have the highest average rates due to stressful work requirements and lengthy work days. Conversely, jobs like farmers, athletes and homemakers pay lower than average rates.
Costs are affected by your address – Having an address in less populated areas has it’s advantages when talking about car insurance. Fewer drivers on the road means reduced accidents. People in densely populated areas tend to have more traffic problems and a longer drive to work. More time commuting statistically corresponds to a higher accident and claim rate.
Optional features impact rates – Buying a car with a theft deterrent system can earn a premium discount. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent vehicle theft.
Insurance loss data for Volkswagen Jetta vehicles – Insurance companies analyze the history of losses when they calculate premium prices for each model. Vehicles that historically have a trend towards higher claim severity or frequency will have higher rates. The table below outlines the insurance loss data for Volkswagen Jetta vehicles.
For each coverage category, the claim probability for all vehicles, as a total average, is a value of 100. Values under 100 suggest a better than average loss history, while numbers that are greater than 100 indicate higher probability of having a loss or statistically larger claims.
| Vehicle 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 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Insurance discounts help lower rates for Volkswagen Jetta insurance in Long Beach
Auto insurance companies do not list every discount available very well, so the below list has some of the best known and the harder-to-find credits that may apply to you.
- Defensive Driver Discounts – Completing a defensive driver course could cut 5% off your bill and also improve your driving technique.
- Anti-theft System – Anti-theft and alarm system equipped vehicles help deter theft and will qualify for a discount on a Long Beach auto insurance quote.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can receive discounts of 20 to 30 percent.
- Discount for Low Mileage – Low annual miles may enable drivers to earn discounted insurance rates on garaged vehicles.
- Own a Home and Save – Simply owning a home can save you money since home ownership demonstrates responsibility.
- Sign Online – Some of the larger companies will give a small break for completing your application online.
- Senior Citizen Rates – Drivers over the age of 55 can possibly qualify for a small discount on rates.
- Discount for Swiching Early – A few insurance companies offer discounts for buying a new policy prior to the expiration date on your current Jetta insurance policy. You can save around 10% with this discount.
- Good Students Pay Less – Excelling in school could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
It’s important to understand that most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as comp or med pay. If you do the math and it seems like having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will lower your policy premium.
The illustration below compares Volkswagen Jetta insurance prices with and without discounts being applied to the rates. The data is based on a male driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, homeowner, claim-free, multi-policy, and multi-car discounts applied.
Insurance companies that possibly offer most of these discounts possibly include:
When comparing rates, check with every insurance company which discounts you may be entitled to. Some of the discounts discussed earlier might not be available to policyholders in your state. For a list of providers that provide some of the discounts listed above in Long Beach, click here.
Compare rates but buy from a neighborhood Long Beach auto insurance agent
Many drivers still prefer to have an agent’s advice and that can be a great decision One of the benefits of comparing rates online is the fact that you can find cheap rate quotes and still have an agent to talk to. Supporting local insurance agents is important especially in Long Beach.
To make it easy to find an agent, after completing this form (opens in new window), your coverage information is immediately sent to insurance agents in Long Beach that can provide free Long Beach auto insurance quotes and help you find cheaper coverage. You won’t need to contact an agency because quoted prices will be sent directly to your email. It’s the lowest rates and an insurance agent to talk to. If you wish to get a price quote from a specific company, feel free to search and find their rate quote page and fill out their quote form.
If you are wanting to find a reliable agent, it helps to know the two types of insurance agents and how they work. Long Beach agents are categorized either exclusive or independent.
Independent Agents (or Brokers)
Agents of this type are appointed with more than one company and that allows them to write policies with any number of different companies and find you the best rates. To transfer your coverage to a different company, your policy is moved internally without you having to go to a different agency.
If you are comparing rate quotes, you definitely need to include rate quotes from at a minimum one independent agency for maximum quote selection. Most also write with less well-known companies that can offer cheaper rates than bigger companies.
Below is a small list of independent agencies in Long Beach who can help you get price quote information.
- Adriana’s Insurance Services Inc
1075 E Pacific Coast Hwy – Long Beach, CA 90806 – (562) 344-9222 – View Map - Greg D. Pyle Auto, Home, Commercial Insurance Long Beach
3777 Long Beach Blvd #500 – Long Beach, CA 90802 – (562) 436-3200 – View Map - Integrity Now Insurance Brokers, Inc.
6285 E Spring St – Long Beach, CA 90808 – (562) 606-1030 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive work for only one company like Farmers Insurance, State Farm, or Allstate. They usually cannot provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive insurance agents are very knowledgeable on their products and sales techniques which aids in selling service over price. Some insured continue to buy from exclusive agents mainly due to loyalty to the company rather than low price.
Below are Long Beach exclusive insurance agents that are able to give price quote information.
- State Farm: Steve Dwight
4625 E Anaheim St – Long Beach, CA 90804 – (562) 494-4494 – View Map - Jose Olguin – State Farm Insurance Agent
4464 California Pl – Long Beach, CA 90807 – (562) 427-2014 – View Map - Earl Jordan – State Farm Insurance Agent
2545 E Broadway – Long Beach, CA 90803 – (562) 434-0911 – View Map
Picking the best insurance agent shouldn’t rely on just the premium amount. Here are some questions you should ask.
- How much can you save by raising your physical damage deductibles?
- What insurance company do they write the most business with?
- How does the company pay claims for a total loss?
- Do they prorate repair cost based on vehicle mileage?
- Does the company use OEM repair parts?
- Do they specialize in personal lines auto insurance in Long Beach?
- What companies can they write with?
- Do they get extra compensation for selling add-on coverages?
Quote. Compare. Save.
Low-cost Volkswagen Jetta insurance in Long Beach can be purchased on the web as well as from independent agents in Long Beach, so you should be comparing quotes from both to have the best rate selection. Some companies don’t offer internet price quotes and usually these regional carriers work with independent insurance agents.
Drivers leave their current company for a number of reasons such as high prices, not issuing a premium refund, high rates after DUI convictions or being labeled a high risk driver. No matter why you want to switch, finding a new company is less work than it seems.
When getting Long Beach auto insurance quotes online, it’s a bad idea to buy poor coverage just to save money. There are too many instances where drivers have reduced comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.
Steps to buying discount Volkswagen Jetta insurance in Long Beach
The easiest way to get more affordable auto insurance rates is to make a habit of regularly comparing prices from providers in Long Beach.
Step 1: Read and learn about policy coverages and the things you can control to drop your rates. Many rating factors that cause rate increases such as at-fault accidents, speeding tickets, and an unacceptable credit rating can be remedied by improving your driving habits or financial responsibility.
Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like GEICO or State Farm, while independent agents can give you price quotes from multiple insurance companies.
Step 3: Compare the new quotes to your existing coverage and determine if there is any savings. If you find a lower rate, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Give proper notification to your current agent or company to cancel your current coverage and submit a down payment and signed policy application to the new company. Immediately upon receiving it, keep your new proof of insurance paperwork in an accessible location in your vehicle.
A key point to remember is that you’ll want to compare the same coverage limits and deductibles on every price quote and and to compare as many different insurance providers as possible. Doing this guarantees a fair price comparison and a thorough price selection.
Additional detailed information can be found by following these links:
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for First-time Drivers in Long Beach? (FAQ)
- Who Has Cheap Long Beach Auto Insurance for High Mileage Drivers? (FAQ)
- How Much are Long Beach Car Insurance Quotes for Teachers? (FAQ)
- What Insurance is Cheapest for Government Employees in Long Beach? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Toyota Corolla in Long Beach? (FAQ)
- Who Has Affordable Car Insurance Quotes for Uninsured Drivers in Long Beach? (FAQ)
- Driving in Bad Weather (Insurance Information Institute)
- Vehicle Size and Weight FAQ (iihs.org)