A study showed that most consumers have remained with the same car insurance company for more than four years, and roughly 40% of drivers have never compared rates to find cheaper insurance. Most drivers in Miami could save themselves almost $1,100 a year just by shopping around, but they just assume it takes a lot of time to shop their coverage around.
The recommended way to save on Volkswagen Jetta insurance is to compare prices regularly from different companies who can sell car insurance in Miami. You can compare rates by following these guidelines.
Step 1: Get an understanding of the coverage provided by your policy and the steps you can take to drop your rates. Many factors that result in higher rates such as accidents, traffic tickets, and a not-so-good credit history can be remedied by making small lifestyle or driving habit changes. Later in this article we will cover more details to help find cheaper rates and find overlooked discounts.
Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from a single company like Progressive or Farmers Insurance, while independent agents can give you price quotes for a wide range of companies.
Step 3: Compare the quotes to the price on your current policy to see if a cheaper price is available in Miami. If you find a better price and decide to switch, make sure coverage is continuous and does not lapse.
Step 4: Give notification to your agent or company to cancel your current car insurance policy. Submit the signed application along with the required initial payment to the newly selected company. Once the paperwork is finalized, put the new certificate of insurance above your visor, in the console, or in the glove compartment.
An essential thing to point out is to try to compare the same coverage limits and deductibles on each price quote and and to get rates from as many different companies as possible. This ensures a level playing field and the best price quote selection.
Miami car insurance discounts
Car insurance can be pricey, but discounts can save money and there are some available to help offset the cost. Most are applied at quote time, but less common discounts must be manually applied before you get the savings.
- Driver Safety – Completing a course in driver safety could cut 5% off your bill if your company offers it.
- Discount for Home Ownership – Just being a homeowner can help you save on car insurance since owning and maintaining a home requires personal responsibility.
- No Claim Discounts – Claim-free drivers have much lower rates in comparison to insureds who have frequent claims or accidents.
- Military Deployment Discount – Being on active deployment in the military can result in better prices.
- Save over 55 – Drivers over the age of 55 could receive a slight reduction on a Miami auto insurance quote.
- More Vehicles More Savings – Insuring several vehicles with the same car insurance company could earn a price break for each car.
- Driving Data Discount – Policyholders that allow driving data collection to look at driving habits by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may see discounts as long as the data is positive.
- Distant Student Discount – Kids who are enrolled in higher education away from home and do not have a car can be insured at a reduced rate.
- ABS and Traction Control Discounts – Vehicles with anti-lock braking systems can avoid accidents so you can save 10 percent or more.
- Federal Employees – Simply working for the federal government may qualify for a discount when you quote Miami auto insurance depending on your car insurance provider.
You can save money using discounts, but many deductions do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like you can get free auto insurance, nobody gets a free ride. Any amount of discount will definitely reduce your policy premiums.
The illustration below shows the comparison of Volkswagen Jetta auto insurance rates with and without discounts applied to the premium. The price estimates are based on a male driver, no violations or claims, Florida state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, homeowner, claim-free, and multi-policy discounts applied.
Some companies that have some of the discounts shown above include:
When getting free Miami auto insurance quotes, it’s a good idea to each insurance company to give you their best rates. Some discounts may not apply to policyholders in your area. To see companies who offer free Volkswagen Jetta insurance quotes in Miami, click here to view.
Finding a better price on auto insurance can be quick and easy. Just take time to compare rates online from several insurance companies.
Comparing free price quotes online is easy and it, makes it obsolete to spend time driving to insurance agents’ offices. Doing it all online reduces the need to sit down with an agent unless you want the professional guidance of a local agency. Although, it is possible comparison shop your insurance online and have a local agent actually service the policy.
The companies in the list below offer price comparisons in Florida. If your goal is to find the best cheap car insurance in Miami, it’s a good idea that you visit two to three different companies to get the cheapest price.
Data for Volkswagen Jetta insurance
The data table shown next covers different insurance policy prices for Volkswagen Jetta models. Being aware of how insurance rates are formulated can be useful when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $226 | $342 | $546 | $32 | $164 | $1,310 | $109 |
| Jetta S 2.5 Station Wagon | $226 | $342 | $464 | $28 | $140 | $1,200 | $100 |
| Jetta LE 4-Dr Sedan | $226 | $342 | $546 | $32 | $164 | $1,310 | $109 |
| Jetta SE 4-Dr Sedan | $256 | $402 | $546 | $32 | $164 | $1,400 | $117 |
| Jetta SE 2.5 Station Wagon | $256 | $402 | $464 | $28 | $140 | $1,290 | $108 |
| Jetta 2.0T 4-Dr Sedan | $256 | $402 | $546 | $32 | $164 | $1,400 | $117 |
| Jetta SEL 4-Dr Sedan | $256 | $402 | $546 | $32 | $164 | $1,400 | $117 |
| Jetta 2.0T Station Wagon | $256 | $402 | $464 | $28 | $140 | $1,290 | $108 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Price estimates do not factor in vehicle location which can alter premiums significantly.
Where to set your deductibles
One of the hardest decisions when shopping for insurance is how high should the physical damage deductibles be. The data tables below show how much more rates are between low and high physical damage deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $322 | $544 | $418 | $24 | $124 | $1,457 | $121 |
| Jetta S 2.5 Station Wagon | $322 | $544 | $354 | $20 | $106 | $1,371 | $114 |
| Jetta LE 4-Dr Sedan | $322 | $544 | $418 | $24 | $124 | $1,457 | $121 |
| Jetta SE 4-Dr Sedan | $364 | $640 | $418 | $24 | $124 | $1,595 | $133 |
| Jetta SE 2.5 Station Wagon | $364 | $640 | $354 | $20 | $106 | $1,509 | $126 |
| Jetta 2.0T 4-Dr Sedan | $364 | $640 | $418 | $24 | $124 | $1,595 | $133 |
| Jetta SEL 4-Dr Sedan | $364 | $640 | $418 | $24 | $124 | $1,595 | $133 |
| Jetta 2.0T Station Wagon | $364 | $640 | $354 | $20 | $106 | $1,509 | $126 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $200 | $342 | $418 | $24 | $124 | $1,108 | $92 |
| Jetta S 2.5 Station Wagon | $200 | $342 | $354 | $20 | $106 | $1,022 | $85 |
| Jetta LE 4-Dr Sedan | $200 | $342 | $418 | $24 | $124 | $1,108 | $92 |
| Jetta SE 4-Dr Sedan | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Jetta SE 2.5 Station Wagon | $224 | $402 | $354 | $20 | $106 | $1,106 | $92 |
| Jetta 2.0T 4-Dr Sedan | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Jetta SEL 4-Dr Sedan | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Jetta 2.0T Station Wagon | $224 | $402 | $354 | $20 | $106 | $1,106 | $92 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Prices do not factor in vehicle garaging location which can alter premiums noticeably.
Using the premium rates above, we can conclude that using a $250 deductible costs about $32 more each month or $384 every year than selecting 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 go at least 23 months between claim filings, you would save money if you elect the higher deductible. Here’s an example of how you can decide this on your own policy.
| Average monthly premium for $250 deductibles: | $126 |
| Average monthly premium for $1,000 deductibles (subtract): | – $94 |
| Monthly savings from raising deductible: | $32 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $32 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
An important thing to remember is that raising deductibles to get cheaper rates results in having to pay to pay more out-of-pocket if you have a claim. You must have some money saved in order to pay the higher deductible.
The diagram below highlights how deductible selection and can influence Volkswagen Jetta yearly insurance costs for different age groups. Data assumes a married female driver, comp and collision included, and no discounts are factored in.
Should you buy full coverage?
The chart below compares Volkswagen Jetta insurance costs with full coverage and liability only. The rates are based on no claims or driving violations, $250 deductibles, drivers are single, and no additional discounts are factored in.
When to drop full coverage
There is no exact formula to eliminate full coverage, but there is a broad guideline. If the annual cost of having full coverage is about 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.
For example, let’s assume your Volkswagen Jetta settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $3,000 after you pay the deductible. If premiums are more than $300 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some cases where dropping physical damage coverage is not financially feasible. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
Special considerations
Always keep in mind that when comparing insurance from an agent or online, there really is not a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions might point out if your insurance needs will benefit from professional help.
- Do I have coverage for damage caused while driving under the influence?
- Do I have coverage when making deliveries for my home business?
- When does my teenage driver need to be added to my policy?
- Will damage be repaired with OEM parts?
- Should I have combined single limit or split liability limits?
- How high should my medical payments coverage be?
- Do I need replacement cost coverage on my Volkswagen Jetta?
If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It is quick, free and can help protect your family.
When should I contact a local insurance agent?
Some people prefer to get advice from a local agent and there is nothing wrong with that. Most agents are very good at helping people manage risk and will help you if you have claims. A good thing about comparing rates online is you may find cheap insurance rates and still buy from a local agent. Putting coverage with neighborhood agents is especially important in Miami.
After completing this quick form, your insurance data is transmitted to insurance agents in Miami who will gladly provide quotes for your insurance coverage. There is no reason to find an agent on your own since rate quotes are delivered to you directly. In the event you want to get a rate quote from a specific insurance company, just find their quoting web page and complete a quote there.
Shown below is a list of insurers in Miami that may be willing to give price quote information for Volkswagen Jetta insurance in Miami.
AV Insurance Agency Inc
2497 NW 79th St – Miami, FL 33147 – (305) 696-2291 – View Map
Miami International Insurance Agency
2200 SW 16th St, Suite 212 – Miami, FL 33145 – (305) 856-3333 – View Map
Cari Insurance Agency Inc.
12890 NW 7th Ave – Miami, FL 33168 – (305) 685-0305 – View Map
Allstate Insurance: Ramon Balladares
2455 SW 27th Ave #210 – Miami, FL 33145 – (305) 859-8556 – View Map
Deciding on an provider shouldn’t rely on just a cheap price quote. Any agent in Miami should be willing to answer these questions.
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do you work with a CSR or direct with the agent?
- Are they able to provide referrals?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Which insurance companies are they affiliated with?
- Does the company have a solid financial rating?
- Is insurance their full-time profession?
Upon getting answers to your satisfaction to all your questions in addition to an acceptable price estimate, chances are good that you have found an provider that is reliable enough to service your policy.
Choosing Volkswagen vehicle insurance is an important decision
Even though Miami Jetta insurance rates can get expensive, maintaining insurance is not optional due to several reasons.
- Just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount of liability coverage if you don’t want to risk a ticket. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Jetta has a lienholder, it’s most likely the lender will stipulate that you have full coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank may insure your Volkswagen for a lot more money and force you to reimburse them the higher premium.
- Car insurance protects not only your car but also your financial assets. Insurance will also pay for most medical and hospital costs for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you cause an accident and are sued. If damage is caused by hail or an accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.
The benefits of having car insurance more than cancel out the cost, specifically if you ever have a liability claim. The average driver in Florida overpays as much as $800 each year so compare rates at every policy renewal to help ensure money is not being wasted.
Insurance policy coverages for a Volkswagen Jetta
Learning about specific coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. These are the usual coverages found on most insurance policies.
Comprehensive coverages
Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like hitting a deer, a broken windshield and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like dental work, nursing services and chiropractic care. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Auto collision coverage
This coverage covers damage to your Jetta resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as scraping a guard rail, driving through your garage door and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible on your Jetta to save money on collision insurance.
Liability car insurance
This coverage provides protection from damage that occurs to people or other property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 10/20/10 that translate to a limit of $10,000 per injured person, a total of $20,000 of bodily injury coverage per accident, and property damage coverage for $10,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage protects against claims such as emergency aid, funeral expenses and loss of income. How much coverage you buy is a personal decision, but you should buy as much as you can afford. Florida requires drivers to carry at least 10/20/10 but it’s recommended drivers buy higher limits.
The next chart demonstrates why the minimum limit may not be enough.
Uninsured and underinsured coverage
This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Volkswagen Jetta.
Due to the fact that many Florida drivers only purchase the least amount of liability that is required (Florida limits are 10/20/10), their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these limits are set the same as your liability limits.
Be persistent and save
We just presented a lot of information how to compare Volkswagen Jetta insurance prices in Miami. The most important thing to understand is the more you quote Miami auto insurance, the better your chances of lowering your rates. Drivers may even discover the best price on insurance is with some of the lesser-known companies. They can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.
The cheapest Volkswagen Jetta insurance in Miami is definitely available both online and also from your neighborhood Miami agents, so get free Miami auto insurance quotes from both of them to get a complete price analysis. There are still a few companies who may not have online quoting and these regional insurance providers only sell coverage through independent agencies.
More tips and info about insurance can be found in these articles:
- Vehicle Size and Weight FAQ (iihs.org)
- Who Has the Cheapest Miami Auto Insurance for Good Drivers? (FAQ)
- What Insurance is Cheapest for High School Students in Miami? (FAQ)
- Who Has the Cheapest Miami Car Insurance Rates for a Honda CR-V? (FAQ)
- Who Has Affordable Car Insurance for a Toyota Camry in Miami? (FAQ)
- Who Has the Cheapest Miami Car Insurance Quotes for a Learners Permit? (FAQ)
- What Auto Insurance is Cheapest for Drivers with a Bad Driving Record in Miami? (FAQ)
- What Auto Insurance is Cheapest for 16 Year Olds in Miami? (FAQ)
- What Auto Insurance is Cheapest for Veterans in Miami? (FAQ)
- Auto Insurance 101 (About.com)
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Keeping Children Safe in Crashes Video (iihs.org)