Do you need a better way to compare low-cost Volkswagen Jetta insurance in Boston? When searching for lower-priced insurance, are you intimidated by the sheer number of car insurance sources in Boston? Drivers have such a vast assortment of sources available that it can quickly become a real challenge to find the lowest price for Volkswagen Jetta insurance in Boston. If you live there, you know that Boston is a wonderful place to live, but paying high car insurance rates can make it very difficult to meet other financial obligations.
It’s an obvious statement that auto insurance companies don’t want you shop around. Drivers who get price quotes annually will most likely switch companies because they have a good chance of getting low-cost coverage. A survey found that consumers who regularly compared price quotes saved as much as $3,500 over four years compared to those who never shopped around for better prices.
If finding the lowest rates on Volkswagen Jetta insurance in Boston is the reason you’re reading this, then knowing how to quote prices and compare auto insurance can help make the process easier.
The fastest way that we advise to compare policy rates for Volkswagen Jetta insurance in Boston is to take advantage of the fact auto insurance companies actually pay money for the chance to give you rate quotes. To start a quote, the only thing you need to do is provide information including marital status, if you have a valid license, how much education you have, and your general credit rating. That rating information is instantly provided to multiple different insurance companies and you should receive rate quotes quickly.
To start a quote now, click here and find out if lower rates are available in Boston.
The companies in the list below offer free rate quotes in Massachusetts. If you wish to find cheap auto insurance in Massachusetts, it’s highly recommended you click on several of them to get the most affordable price.
Volkswagen Jetta coverage analysis
The coverage table displayed next covers estimates of insurance prices for Volkswagen Jetta models. Having insight into how insurance rates are established can help you make decisions on which coverage to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Jetta S 4-Dr Sedan||$192||$322||$344||$20||$104||$982||$82|
|Jetta S 2.5 Station Wagon||$192||$322||$292||$18||$88||$912||$76|
|Jetta LE 4-Dr Sedan||$192||$322||$344||$20||$104||$982||$82|
|Jetta SE 4-Dr Sedan||$216||$380||$344||$20||$104||$1,064||$89|
|Jetta SE 2.5 Station Wagon||$216||$380||$292||$18||$88||$994||$83|
|Jetta 2.0T 4-Dr Sedan||$216||$380||$344||$20||$104||$1,064||$89|
|Jetta SEL 4-Dr Sedan||$216||$380||$344||$20||$104||$1,064||$89|
|Jetta 2.0T Station Wagon||$216||$380||$292||$18||$88||$994||$83|
|Get Your Own Custom Quote Go|
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Table data does not factor in specific zip code location which can change insurance rates substantially.
The diagram below highlights how deductible choice and can increase or decrease Volkswagen Jetta insurance rates for different categories of driver ages. The information is based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.
Drive safe and save
The information below highlights how traffic violations and at-fault fender-benders can impact Volkswagen Jetta auto insurance rates for each different age category. The information is based on a single female driver, full coverage, $250 deductibles, and no discounts are factored in.
Does it make sense to buy full coverage?
The illustration below visualizes the comparison of Volkswagen Jetta car insurance costs with full physical damage coverage and with liability coverage only. The rate quotes are based on no accidents, no driving violations, $100 deductibles, single marital status, and no policy discounts are applied.
When to drop full coverage
There is no definitive guideline to delete full coverage, but there is a broad guideline. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.
For example, let’s say your Volkswagen Jetta replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after the policy deductible has been paid. If you are paying more than $600 a year to have full coverage, then you might want to consider buying only liability coverage.
There are some conditions where dropping physical damage coverage is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should maintain full coverage.
Here’s why insurance is not optional
Despite the potentially high cost of Volkswagen Jetta insurance, insuring your vehicle may be required and benefits you in several ways.
First, most states have mandatory insurance requirements which means you are required to buy specific limits of liability coverage if you want to drive legally. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your Jetta has a loan, almost all lenders will make it mandatory that you have full coverage to guarantee their interest in the vehicle. If you let the policy lapse, the lender may have to buy a policy to insure your Volkswagen for a much higher rate and force you to pay for the much more expensive policy.
Third, insurance preserves both your assets and your Volkswagen Jetta. It will also cover hospital and medical expenses that are the result of an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.
The benefits of insuring your car are definitely more than the cost, particularly for liability claims. Despite what companies tell you, the average driver is currently overpaying as much as $865 each year so you should quote your policy with other companies every year to make sure the price is not too high.
Smart Buyers Can Save Money
Consumers need to have an understanding of a few of the rating criteria that play a part in calculating your insurance rates. If you understand what impacts premium levels, this enables informed choices that can help you get better insurance rates.
Your age impacts your rates – Mature drivers are viewed as being more responsible, are lower risk to insure, and tend to be get fewer driving tickets. Teenage drivers tend to be less responsible when at the wheel of a vehicle therefore insurance rates are much higher.
The data below is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.
Costs also based on gender – Statistics demonstrate that females take fewer risks when driving. However, this does not mean men are worse drivers. They both get in fender benders at about the same rate, but the men tend to have higher claims. Not only that, but men also receive more costly citations like DWI (DUI) or reckless driving. Youthful male drivers cause the most accidents and thus pay the highest rates.
The illustration below shows the comparison of Volkswagen Jetta insurance rates for male and female drivers. The data assumes a clean driving record, no claims, comprehensive and collision coverage, $500 deductibles, single marital status, and no other discounts are factored in.
Liability – Your policy’s liability coverage is the protection when you are responsible for an accident. This coverage provides legal defense coverage to attempt to prove you were not liable. Liability insurance is pretty cheap compared to comp and collision, so do not cut corners here.
More performance means more cost – The type of car, truck or SUV you drive makes a huge difference in how high your rates are. The cheapest rates will normally be found when insuring lower performance four cylinder passenger cars, but the cost you end up paying is determined by many additional factors.
The following chart is based on a married male driver age 40, full coverage with $100 deductibles, and no discounts or violations. The data compares Volkswagen Jetta rates compared to other models that have a range of performance rating factors.
Rate your vehicle for proper use – Driving more miles in a year the more it will cost to insure it. Most insurance companies calculate rates based on their usage. Cars and trucks not used for work or commuting can get a lower rate compared to those used for work or business. Verify your declarations sheet reflects the correct usage for each vehicle. An incorrectly rated Jetta may be costing you higher rates.
Lower stress equals lower rates – Occupations such as doctors, air traffic controllers, and stock brokers have higher average rates due to job stress and long work hours. Conversely, occupations such as professors, athletes and the unemployed have lower than average premiums.
Keep insurance rates low by being claim-free – Companies in Massachusetts generally give the best rates to insureds who only file infrequent claims. If you tend to file frequent claims, you can look forward to increased rates or even have your policy non-renewed. Auto insurance is intended for claims that pose a financial burden.
Policy add-ons add up – Insurance policies have a lot of additional extra coverages that can waste your money on your Jetta policy. Coverages like rental car reimbursement, better glass coverage, and extra life insurance coverage are examples of these. They may sound like good ideas when discussing your needs, but if you don’t need them eliminate them to save money.
Volkswagen Jetta statistical loss data – Car insurance companies take into consideration historical loss data for every vehicle to help set a rate to offset losses. Models that the data determines to have higher losses will have a higher premium rate. The next table illustrates the compiled insurance loss statistics for Volkswagen Jetta vehicles.
For each policy coverage, the claim probability for all vehicles compiled together equals 100. Numbers below 100 suggest a better than average loss history, while numbers above 100 point to more frequent losses or tendency to have larger claims.
|Specific Volkswagen Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Volkswagen Jetta Hybrid||128||121||114||104|
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Get affordable Volkswagen Jetta insurance in Boston with discounts
Insurance can cost an arm and a leg, but there may be some discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied at quote time, but lesser-known reductions have to be manually applied prior to receiving the credit.
- Save with More Vehicles Insured – Drivers who insure several vehicles on one policy can reduce the rates for all insured vehicles.
- Good Student Discount – Being a good student may save you up to 25%. Most companies allow this discount well after school through age 25.
- New Car Discount – Putting insurance coverage on a new Jetta can save up to 30% compared to insuring an older model.
- Auto/Home Discount – If you can bundle your home and auto insurance with one insurance company they may give you a discount of up to 20% off your total Jetta insurance premium.
- Multi-line Discount – Larger insurance companies have a discount if you purchase a life insurance policy as well.
- Discount for Passive Restraints – Factory options such as air bags or automatic seat belts can get savings up to 30%.
- Safety Course Discount – Passing a safe driver class could cut 5% off your bill depending on where you live.
Don’t be shocked that some of the credits will not apply to the entire policy premium. A few only apply to individual premiums such as collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, insurance companies aren’t that generous.
The information below visualizes the comparison of Volkswagen Jetta premium costs with and without discounts applied to the premium. The rates are based on a female driver, no claims or driving violations, Massachusetts 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-policy, multi-car, claim-free, safe-driver, marriage, and homeowner discounts applied.
If you would like to see a list of insurers with the best Volkswagen Jetta insurance discounts in Boston in Boston, click here to view.
When should I discuss my situation with an agent?
When buying a policy for your personal vehicles, there is no one size fits all plan. Your needs are unique to you.
These are some specific questions can help discover whether your personal situation may require specific advice.
- If my car is totaled with they pay enough to replace it?
- Do I really need UM/UIM coverage?
- Does coverage extend to a rental car in a foreign country?
- Do I pay less for low miles?
- Does insurance cover damages from a DUI accident?
- What is roadside assistance coverage?
- Does rental coverage apply when I am renting a car?
If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.
Can’t I compare rates from local Boston auto insurance agents?
Many people still like to go talk to an agent and that is recommended in a lot of cases A nice benefit of comparing rate quotes online is you can get lower rates and still have a local agent. Buying insurance from neighborhood insurance agencies is definitely important in Boston.
Upon completion of this simple form, your insurance data is sent to local insurance agents that provide free Boston car insurance quotes and help you find cheaper coverage. You won’t even need to leave your house since rate quotes are delivered to you directly. You can find the lowest rates and a licensed agent to talk to. If for some reason you want to get a price quote from one company in particular, feel free to visit that company’s website and fill out the quote form the provide.
If you are wanting to purchase auto insurance from a local Boston insurance agent, it’s important to understand the different types of agents and how they can quote your rates. Agencies in Boston are either exclusive or independent.
Independent Auto Insurance Agencies
Agents in the independent channel are not limited to a single company and that gives them the ability to insure with any number of different companies and find you the best rates. If they find a lower price, your policy is moved internally and you don’t have to do anything.
If you are comparing rate quotes, you definitely need to check rates from a few independent agents for maximum quote selection. Many write coverage with additional companies that you may not be familiar with which can save you money.
The following are independent insurance agents in Boston that may be able to give competitive price quotes.
- Spataro and Bellino Insurance Agency
156 Maverick St – East Boston, MA 02128 – (617) 567-6558 – View Map
- Boyd Insurance Agency
296 Bennington St – Boston, MA 02128 – (617) 567-5710 – View Map
- A-Affordable Insurance Agency, Inc.
55 Union St – Boston, MA 02108 – (617) 924-4915 – View Map
Exclusive Auto Insurance Agencies
Agents of this type normally can only provide a single company’s rates and some examples include Farmers Insurance, State Farm, Allstate, and AAA. They are unable to place coverage with different providers so keep that in mind. Exclusive agents are usually quite knowledgeable on the products they sell which helps them sell on service rather than price. A lot of people use the same agent mainly due to high brand loyalty rather than having low rates.
Shown below is a short list of exclusive agents in Boston that are able to give price quote information.
- AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
- Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map
Choosing a insurance agent is decision based upon more than just a cheap price. Some important questions to ask are:
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- If you are a high risk driver, do they have special markets for your coverage?
- Does the agency have a good rating with the Better Business Bureau?
- Are claims handled at the agent’s location?
- Do they offer rental car reimbursement?
- What are the financial ratings for the companies they represent?
- Does the agent help file claims?
- Has the agent ever had any license suspensions?
Persistence pays off
You just learned quite a bit of information on how to compare Volkswagen Jetta insurance prices in Boston. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding affordable Boston car insurance quotes. You may even be surprised to find that the lowest prices come from a lesser-known regional company.
As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. Too many times, drivers have reduced liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy the best coverage you can find at the best cost, but don’t skip important coverages to save money.
Consumers switch companies for any number of reasons including delays in paying claims, high rates after DUI convictions, poor customer service or even extreme rates for teen drivers. It doesn’t matter what your reason, finding a great new company is pretty simple and you could end up saving a buck or two.
How to find better rates for Volkswagen Jetta insurance in Boston
If saving money is your primary concern, then the best way to find better pricing on Volkswagen Jetta insurance in Boston is to regularly compare quotes from different companies who sell auto insurance in Massachusetts.
- Step 1: Try to learn a little about car insurance and the measures you can take to prevent expensive coverage. Many rating criteria that result in higher rates such as your driving record and a lousy credit rating can be controlled by making minor changes in your lifestyle.
- Step 2: Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like Progressive or Allstate, while independent agencies can provide price quotes from multiple insurance companies.
- Step 3: Compare the new quotes to the price on your current policy to see if a cheaper price is available in Boston. If you can save money and change companies, make sure there is no coverage gap between policies.
One important bit of advice is to use identical deductibles and limits on each quote request and and to get rates from as many companies as feasibly possible. Doing this guarantees an apples-to-apples comparison and a thorough selection of prices.
Additional auto insurance information can be found below:
- Auto Insurance FAQ (Farmers Insurance)
- What Insurance is Cheapest for a Honda Accord in Boston? (FAQ)
- Who Has Affordable Boston Car Insurance for Drivers with Good Credit? (FAQ)
- What Car Insurance is Cheapest for a Company Car in Boston? (FAQ)
- Who Has the Cheapest Boston Car Insurance Rates for a Learners Permit? (FAQ)
- Collision Insurance Coverage (Nationwide)
- Rental Reimbursement Coverage (Allstate)
- Red Light Cameras (State Farm)