The best way we recommend to get budget car insurance rates in Chandler is to start comparing prices yearly from companies in Arizona. You can compare rates by following these steps.
Step 1: Try to learn about car insurance and the measures you can control to prevent rate increases. Many risk factors that cause high rates such as your driving record and a not-so-good credit history can be rectified by paying attention to minor details.
Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from a single company like Progressive or State Farm, while independent agencies can provide rate quotes from multiple insurance companies.
Step 3: Compare the quotes to your existing coverage and see if there is a cheaper rate in Chandler. If you can save some money and buy the policy, make sure there is no lapse in coverage.
A good tip to remember is to make sure you enter similar limits and deductibles on each quote request and and to look at every insurance company. This enables an accurate price comparison and the best rate selection.
It’s a fact that insurance companies don’t want their customers to go rate shopping. Consumers who shop for lower rates will presumably switch to a new company because there are good odds of finding better rates. Surprisingly, a recent survey revealed that people who compared rates once a year saved about $865 a year compared to drivers who never compared rates.
If finding the most affordable car insurance is your goal, knowing the best ways to shop for insurance coverage can make it easier to find better rates.
Analysis of coverages
The coverage table shown next highlights different insurance costs for Volkswagen Jetta models. Learning more about how prices are formulated helps drivers make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $286 | $574 | $404 | $24 | $122 | $1,410 | $118 |
| Jetta S 2.5 Station Wagon | $286 | $574 | $344 | $20 | $102 | $1,326 | $111 |
| Jetta LE 4-Dr Sedan | $286 | $574 | $404 | $24 | $122 | $1,410 | $118 |
| Jetta SE 4-Dr Sedan | $324 | $676 | $404 | $24 | $122 | $1,550 | $129 |
| Jetta SE 2.5 Station Wagon | $324 | $676 | $344 | $20 | $102 | $1,466 | $122 |
| Jetta 2.0T 4-Dr Sedan | $324 | $676 | $404 | $24 | $122 | $1,550 | $129 |
| Jetta SEL 4-Dr Sedan | $324 | $676 | $404 | $24 | $122 | $1,550 | $129 |
| Jetta 2.0T Station Wagon | $324 | $676 | $344 | $20 | $102 | $1,466 | $122 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Prices do not factor in specific garaging location which can revise prices greatly.
Policy deductible comparison
When buying insurance, a common question is which comprehensive and collision deductibles to buy. The following insurance rates illustrate how much more rates are between high and low comp and collision deductibles. The first data set uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Jetta S 2.5 Station Wagon | $232 | $390 | $254 | $16 | $76 | $993 | $83 |
| Jetta LE 4-Dr Sedan | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Jetta SE 4-Dr Sedan | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Jetta SE 2.5 Station Wagon | $262 | $460 | $254 | $16 | $76 | $1,093 | $91 |
| Jetta 2.0T 4-Dr Sedan | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Jetta SEL 4-Dr Sedan | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Jetta 2.0T Station Wagon | $262 | $460 | $254 | $16 | $76 | $1,093 | $91 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Jetta S 2.5 Station Wagon | $144 | $246 | $254 | $16 | $76 | $736 | $61 |
| Jetta LE 4-Dr Sedan | $144 | $246 | $300 | $18 | $90 | $798 | $67 |
| Jetta SE 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Jetta SE 2.5 Station Wagon | $162 | $290 | $254 | $16 | $76 | $798 | $67 |
| Jetta 2.0T 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Jetta SEL 4-Dr Sedan | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Jetta 2.0T Station Wagon | $162 | $290 | $254 | $16 | $76 | $798 | $67 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rates do not factor in vehicle garaging location which can revise premiums greatly.
We can derive from the above data that using a $250 deductible will cost you roughly $23 more each month or $276 each year averaged for all Jetta models than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 33 months between claims, you would save more money if you elect the higher deductible.
Rate comparison of male drivers versus female drivers
The diagram below shows the difference between Volkswagen Jetta yearly insurance costs for male and female drivers. The price estimates are based on no claims or driving violations, comprehensive and collision coverage, $500 deductibles, single status, and no policy discounts are applied.
Should you buy full coverage?
The illustration below shows the difference between Volkswagen Jetta insurance costs with full physical damage coverage compared to only buying liability only. The rates are based on no accidents or driving violations, $100 deductibles, single marital status, and no additional discounts are factored in.
Are you wasting money paying for full coverage?
There is no written rule of when to exclude physical damage coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s assume your Volkswagen Jetta replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $8,000 after paying your policy deductible. If you are paying in excess of $800 annually for physical damage coverage, then you might consider buying liability only.
There are some situations where dropping physical damage coverage is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage.
Get lower-cost Volkswagen Jetta insurance in Chandler with discounts
Insurance is neither fun to buy or cheap, but you may be missing some discounts that you may not even know about. Many discounts should be triggered when you get a quote, but a few need to be manually applied before they will apply.
- Discounts for Government Workers – Employees or retirees of the government could cut as much as 10% off depending on your insurance provider.
- Good Grades Discount – This discount can save 20 to 25%. Many companies even apply the discount to college students up until you turn 25.
- Seat Belts Save – Forcing all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
- Full Payment Discount – If you can afford to pay the entire bill rather than spreading payments over time you could save up to 5%.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it can save substantially.
- Safety Course Discount – Participating in a course in defensive driver could possibly earn you a 5% discount if you qualify.
- Good Drivers – Safe drivers can save as much as half off their rates than their less cautious counterparts.
Consumers should know that many deductions do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as liability and collision coverage. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way.
The illustration below illustrates the difference between Volkswagen Jetta premium costs with and without discounts being applied to the rates. The data assumes a male driver, no claims or driving violations, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, homeowner, marriage, and multi-policy discounts applied.
A few of the larger companies and a partial list of their discounts are:
- State Farm offers discounts for safe vehicle, Drive Safe & Save, good driver, good student, multiple autos, student away at school, and accident-free.
- GEICO may have discounts that include emergency military deployment, anti-lock brakes, federal employee, membership and employees, and defensive driver.
- Liberty Mutual offers discounts including new move discount, new graduate, exclusive group savings, preferred payment discount, teen driver discount, and multi-policy.
- The Hartford discounts include air bag, defensive driver, anti-theft, vehicle fuel type, bundle, and driver training.
- MetLife has discounts for good driver, claim-free, accident-free, good student, and defensive driver.
- Progressive has savings for continuous coverage, good student, online signing, homeowner, multi-vehicle, multi-policy, and online quote discount.
If you need inexpensive Chandler car insurance quotes, ask every insurance company how many discounts you can get. A few discounts might not be offered on policies in Chandler. To find insurance companies with the best Volkswagen Jetta insurance discounts in Chandler, click this link.
Car insurance coverages 101
Learning about specific coverages of a car insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.
Collision coverage – This pays for damage to your Jetta caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers things such as driving through your garage door, sideswiping another vehicle, damaging your car on a curb, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible on your Jetta to get cheaper collision coverage.
Insurance for medical payments – Coverage for medical payments and/or PIP pay for bills such as doctor visits, surgery, EMT expenses and dental work. They can be used in conjunction with a health insurance program or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Liability auto insurance – This coverage protects you from damage that occurs to people or other property by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 15/30/10 which stand for a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property.
Liability insurance covers claims such as pain and suffering, court costs, structural damage, attorney fees and medical services. How much liability should you purchase? That is your choice, but consider buying as much as you can afford. Arizona state minimum liability requirements are 15/30/10 but drivers should carry better liability coverage.
The illustration below shows why buying minimum limits may not be high enough to adequately cover claims.
Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many Arizona drivers only carry the minimum required liability limits (Arizona limits are 15/30/10), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like damage from a tornado or hurricane, hail damage and hitting a bird. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
The best insurance company isn’t always the cheapest
Some insurance providers don’t offer the ability to get a quote online and these small, regional companies prefer to sell through independent agents. Cheap Volkswagen Jetta insurance in Chandler is available both online and also from your neighborhood Chandler agents, so you should be comparing quotes from both to have the best selection.
As you go through the steps to switch your coverage, never reduce needed coverages to save money. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits only to find out that it was a big error on their part. Your aim should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.
Consumers switch companies for any number of reasons including high rates after DUI convictions, not issuing a premium refund, lack of trust in their agent or even poor customer service. Regardless of your reason, switching companies can be pretty painless.
More information is located below:
- How do I File a Claim? (Insurance Information Institute)
- How Much are Chandler Car Insurance Quotes for Inexperienced Drivers? (FAQ)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)
- Young Drivers: The High Risk Years Video (iihs.org)
- How to Avoid Common Accidents (State Farm)