Save Money on Volkswagen Jetta Insurance in Minneapolis

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Volkswagen Jetta insurance policy
Volkswagen Jetta insurance policy image courtesy of QuoteInspector.com

Do you want an efficient way to compare more competitive Volkswagen Jetta insurance in Minneapolis? Are you tired of scraping nickels together to insure your Volkswagen every month? You are no different than many other consumers in Minnesota.

Discount Volkswagen Jetta insuranceUnbelievably, nearly 70% of Minnesota drivers kept their policy with the same company for well over three years, and practically 40% of auto insurance customers have never shopped around. Drivers in America could save as much as $850 every year just by comparing rates, but most just don't grasp the amount of money they would save if they moved their coverage to a different company. There are many insurance companies to pick from, and although it's a good thing to be able to choose, too many choices makes it more difficult to locate the cheapest rates for Volkswagen Jetta insurance in Minneapolis.

The most recommended method to compare car insurance rates for Volkswagen Jetta insurance in Minneapolis is to realize most insurance companies pay for the opportunity to compare rate quotes. To get started, all you need to do is provide information like what your job is, how your vehicles are used, how much you drive, and how much education you have. That rating information gets transmitted to multiple different insurance companies and they respond with quotes immediately.

To check rates for your Volkswagen Jetta now, click here and enter your coverage details.

The companies shown below have been selected to offer price quotes in Minneapolis, MN. If multiple companies are listed, we suggest you compare several of them in order to get a fair rate comparison.

Rates and statistics

The coverage information displayed next covers a range of insurance costs for Volkswagen Jetta models. Having a good grasp of how car insurance prices are determined can assist in making smart buying decisions.

Volkswagen Jetta Insurance Rates in Minneapolis, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $172 $344 $358 $22 $108 $1,004 $84
Jetta S 2.5 Station Wagon $172 $344 $304 $18 $92 $930 $78
Jetta LE 4-Dr Sedan $172 $344 $358 $22 $108 $1,004 $84
Jetta SE 4-Dr Sedan $194 $404 $358 $22 $108 $1,086 $91
Jetta SE 2.5 Station Wagon $194 $404 $304 $18 $92 $1,012 $84
Jetta 2.0T 4-Dr Sedan $194 $404 $358 $22 $108 $1,086 $91
Jetta SEL 4-Dr Sedan $194 $404 $358 $22 $108 $1,086 $91
Jetta 2.0T Station Wagon $194 $404 $304 $18 $92 $1,012 $84
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rates do not factor in garaging location in Minneapolis which can alter rates significantly.

Physical damage deductibles: Should you raise them?

One of the most common insurance questions is how high should the deductibles for physical damage be. The comparison tables below can help illustrate how much more rates are when you buy lower versus higher physical damage deductibles. The first data table uses a $100 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Volkswagen Jetta insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $272 $492 $318 $18 $94 $1,219 $102
Jetta S 2.5 Station Wagon $272 $492 $270 $16 $80 $1,155 $96
Jetta LE 4-Dr Sedan $272 $492 $318 $18 $94 $1,219 $102
Jetta SE 4-Dr Sedan $308 $580 $318 $18 $94 $1,343 $112
Jetta SE 2.5 Station Wagon $308 $580 $270 $16 $80 $1,279 $107
Jetta 2.0T 4-Dr Sedan $308 $580 $318 $18 $94 $1,343 $112
Jetta SEL 4-Dr Sedan $308 $580 $318 $18 $94 $1,343 $112
Jetta 2.0T Station Wagon $308 $580 $270 $16 $80 $1,279 $107
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Volkswagen Jetta insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $200 $334 $318 $18 $94 $964 $80
Jetta S 2.5 Station Wagon $200 $334 $270 $16 $80 $900 $75
Jetta LE 4-Dr Sedan $200 $334 $318 $18 $94 $964 $80
Jetta SE 4-Dr Sedan $224 $392 $318 $18 $94 $1,046 $87
Jetta SE 2.5 Station Wagon $224 $392 $270 $16 $80 $982 $82
Jetta 2.0T 4-Dr Sedan $224 $392 $318 $18 $94 $1,046 $87
Jetta SEL 4-Dr Sedan $224 $392 $318 $18 $94 $1,046 $87
Jetta 2.0T Station Wagon $224 $392 $270 $16 $80 $982 $82
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Price information does not factor in specific Minneapolis garaging location which can change coverage rates noticeably.

We can derive from the above data that using a $100 deductible costs an average of $23 more each month or $276 for a full year than selecting the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at least 17 months between claim filings, you would more than likely save some money going with the higher deductible.

The diagram below illustrates how choosing a deductible and can raise or lower Volkswagen Jetta insurance costs for each age group. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Impact of violations and accidents on rates in Minneapolis

The information below highlights how speeding tickets and at-fault accidents can increase Volkswagen Jetta insurance costs for different categories of driver ages. The data assumes a married male driver, full coverage, $250 deductibles, and no additional discounts are factored in.

Premiums by gender and age

The example below compares Volkswagen Jetta premium costs for male and female drivers. The data assumes no claims or violations, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are applied.

Do you qualify for discounts on Volkswagen Jetta insurance in Minneapolis?

Insurance is easily one of your largest bills, but companies offer discounts to reduce the price significantly. Certain reductions will be credited when you purchase, but some may not be applied and must be specially asked for prior to receiving the credit. If you aren't receiving every discount you deserve, you are just wasting money.Save money with discounts

  • No Claim Discounts - Good drivers with no accidents pay much less as compared to accident-prone drivers.
  • Drive Safe and Save - Insureds without accidents may receive a discount up to 45% compared to accident prone drivers.
  • Distant College Student Discount - Kids who are attending college and leave their car at home could qualify for this discount.
  • ABS and Traction Control Discounts - Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Good Student Discount - Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Clubs and Organizations - Being in a professional or civic organization may earn a discount on your bill.
  • Service Members Pay Less - Having a family member in the military may qualify for rate reductions.
  • Anti-theft Discount - Cars and trucks optioned with advanced anti-theft systems help deter theft so companies will give you a small discount.

Drivers should understand that some of the credits will not apply to the whole policy. Most only reduce individual premiums such as medical payments or collision. Just because you may think having all the discounts means you get insurance for free, you won't be that lucky.

The diagram below visualizes the comparison of Volkswagen Jetta annual premium costs with and without discounts. The data is based on a male driver, a clean driving record, no at-fault accidents, Minnesota state minimum liability limits, full 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, homeowner, multi-policy, claim-free, and safe-driver discounts applied.

Companies and their possible discounts are:

  • State Farm policyholders can earn discounts including passive restraint, good student, Drive Safe & Save, Steer Clear safe driver discount, and defensive driving training.
  • GEICO may offer discounts for five-year accident-free, seat belt use, defensive driver, multi-policy, and anti-theft.
  • SAFECO may include discounts for drive less, homeowner, anti-theft, safe driver, and teen safe driver.
  • Farmers Insurance may have discounts that include switch companies, distant student, homeowner, mature driver, multi-car, and good student.
  • AAA includes discounts for pay-in-full, multi-car, anti-theft, education and occupation, multi-policy, good student, and good driver.
  • USAA has savings for vehicle storage, new vehicle, family discount, multi-policy, multi-vehicle, driver training, and annual mileage.

If you need affordable Volkswagen Jetta insurance quotes, ask each company or agent which discounts they offer. Some discounts may not apply to policyholders everywhere.

Three reasons to insure your Volkswagen vehicle

Even though it's not necessarily cheap to insure a Volkswagen in Minneapolis, maintaining insurance is mandatory in Minnesota but it also protects more than you think.

  • Most states have compulsory liability insurance requirements which means you are required to buy a specific level of liability insurance coverage if you drive a vehicle. In Minnesota these limits are 30/60/10 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If you bought your vehicle with a loan, most lenders will make it mandatory that you buy insurance to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender may insure your Volkswagen for a much higher rate and force you to pay a much higher amount than you were paying before.
  • Car insurance protects both your car and your personal assets. Insurance will also pay for medical bills for you, any passengers, and anyone injured in an accident. Liability insurance also covers legal expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.

The benefits of carrying adequate insurance are definitely more than the cost, particularly if you ever have a claim. As of last year, the average driver in Minnesota overpays as much as $869 every year so you should quote rates at least once a year to ensure rates are competitive.

Different people need different car insurance coverages

When quoting and comparing proper insurance coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's situation is a little different so your insurance should reflect thatHigher deductibles save money Here are some questions about coverages that can help discover if your insurance needs could use an agent's help.

  • What are good deductibles for a Volkswagen Jetta?
  • Why do I have to buy liability insurance?
  • What is the minimum liability in Minnesota?
  • When does my teenage driver need to be added to my policy?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered when driving on a suspended license?

If it's difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.

Compare rate quotes but work with a local Minneapolis insurance agent

Many people still prefer to talk to an insurance agent and that is a smart decision Professional insurance agents can help determine the best coverages and help in the event of a claim. A good thing about comparing rates online is you can get the lowest rates and still buy from a local agent. Buying insurance from local insurance agents is still important in Minneapolis.

Find insurance agent in MinneapolisAfter completing this short form, your coverage information is emailed to participating agents in Minneapolis who will return price quotes to get your business. You won't even need to find an agent on your own since price quotes are sent directly to you. In the event you want to compare rates from a specific company, feel free to visit that company's website and fill out the quote form the provide.

Selecting an company needs to be determined by more than just the price. Here are some questions to ask:

  • Is the agency covered by Errors and Omissions coverage?
  • Is their price quote a firm figure or are their hidden costs?
  • What are their preferred companies if they are an independent agency?
  • Will one accident increase rates?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • How many years have they been established?
  • Is working in the agency their full-time job?