There isn't anyone who fancies paying their premiums for car insurance, especially when they know their premiums are through the roof.
A recent car insurance study discovered that most car insurance buyers in Nevada have purchased from the same company for well over three years, and 38% of drivers have never quoted car insurance rates at all. Many drivers in America could save themselves $860 a year just by shopping around, but they don't want to spend time to save money by comparing rate quotes. Many car insurance companies compete to insure your vehicles, so it's not easy to compare every insurer to get the cheapest price on Volkswagen Jetta insurance in Henderson.
You need to do rate comparisons as often as possible because car insurance rates tend to go up over time. If you had the lowest premium rates on Volkswagen Jetta insurance in Henderson a few years ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because you're going to get a crash course in the best methods to properly buy coverages and cut your premium.
If you have coverage now or need new coverage, you can follow these tips to lower your rates without having to cut coverage. Buying the cheapest auto insurance in Henderson seems hard but is not really that difficult. Consumers only need an understanding of the tricks to compare price quotes from many companies at once.
Cheapest Volkswagen insurance prices in Henderson
The providers in the list below provide comparison quotes in Nevada. If multiple companies are listed, we recommend you visit two to three different companies in order to find the cheapest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Jetta S 4-Dr Sedan||$242||$440||$318||$18||$96||$1,114||$93|
|Jetta S 2.5 Station Wagon||$204||$394||$296||$18||$88||$1,000||$83|
|Jetta LE 4-Dr Sedan||$266||$478||$308||$18||$92||$1,162||$97|
|Jetta SE 4-Dr Sedan||$234||$480||$296||$18||$88||$1,116||$93|
|Jetta SE 2.5 Station Wagon||$188||$392||$296||$18||$88||$982||$82|
|Jetta 2.0T 4-Dr Sedan||$258||$554||$348||$20||$104||$1,284||$107|
|Jetta SEL 4-Dr Sedan||$232||$464||$348||$20||$104||$1,168||$97|
|Jetta 2.0T Station Wagon||$142||$292||$296||$18||$88||$836||$70|
|Get Your Own Custom Quote Go|
Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Prices do not factor in specific location which can decrease or increase premiums significantly.
Safe drivers pay less for auto insurance
The illustration below highlights how traffic violations and at-fault fender-benders can affect Volkswagen Jetta insurance prices for different age groups. The rates are based on a married female driver, full coverage, $250 deductibles, and no policy discounts are applied.
Cheaper rates with these premium slashing discounts
Car insurance companies don't list every available discount in a way that's easy to find, so the list below contains a few of the more well known as well as the least known credits available to bring down your rates.
- Discounts for New Vehicles - Buying a new car instead of a used Jetta may earn a small discount due to better safety requirements for new model year vehicles.
- Paperless Signup - Some auto insurance companies give back up to $50 for buying your policy on their website.
- Organization Discounts - Being a member of qualifying employment or professional organizations is a good way to get lower rates on your policy.
- Passenger Safety Discount - Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.
- Smart Student Discounts - This discount can save 20 to 25%. You can use this discount normally up until you turn 25.
- Driver's Ed - Reduce the cost of insurance for teen drivers by having them enroll and complete driver's education as it will make them better drivers and lower rates.
- Senior Citizens - Drivers over the age of 55 may qualify for lower premium rates.
- Auto/Home Discount - If you have multiple policies and insure them both with the same insurance company you could earn a discount of up to 20% off your total Jetta insurance premium.
- Accident Forgiveness Coverage - Not really a discount, but a few companies such as Liberty Mutual and GEICO allow you one accident without getting socked with a rate hike as long as you don't have any claims before the accident.
Just know that most credits do not apply to your bottom line cost. Most cut individual premiums such as comp or med pay. So despite the fact that it appears you can get free auto insurance, company stockholders wouldn't be very happy.
A few companies that may have most of these discounts possibly include:
It's a good idea to ask every prospective company which discounts can lower your rates. Savings may not apply to policyholders in Henderson.
Four Tips to Get Cheaper Henderson Insurance Premiums
Consumers need to have an understanding of some of the things that go into determining the level of your policy premiums. If you have some idea of what controls the rates you pay, this enables you to make decisions that may reward you with much lower annual insurance costs. Lots of things are part of the calculation when you get your auto insurance bill. Some factors are common sense like your driving record, although others are not quite as obvious such as your credit history and annual miles driven.
Shown below are some of the most rate-impacting factors car insurance companies consider when setting premiums.
High premiums for youthful drivers - More mature drivers are more cautious drivers, cause fewer claims and accidents, and receive fewer citations.Teenage drivers have a tendency to be careless and easily distracted when behind the wheel so car insurance rates are higher.
Good drivers pay better prices - Having just one speeding ticket or other violation could increase your next policy renewal to the point where it's not affordable. Careful drivers pay lower auto insurance prices as compared to those with violations. Drivers who get severe violations such as reckless driving or DUI may find they need to submit a SR-22 or proof of financial responsibility with their state's licensing department in order to continue driving.
Vehicle theft costs us all - Choosing a vehicle with a theft deterrent system can help bring down rates. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms help track and prevent auto theft and help lower rates.
Proper usage rating affects prices - Driving a lot of miles each year the higher your rates will be. Most insurance companies calculate prices based upon how the vehicle is primarily used. Cars and trucks used primarily for pleasure use can be on a lower rate level than vehicles that have high annual mileage. It's a smart idea to ensure your car insurance policy states the correct driver usage. Having an incorrect usage rating on your Jetta may be costing you.
Volkswagen Jetta statistical loss data - Insurance companies factor in insurance loss information to determine a price that will be profitable for them. Vehicles that are shown to have higher claim frequency or loss amount will have a higher premium rate. The data below shows the compiled insurance loss statistics for Volkswagen Jetta vehicles.
For each type of coverage, the statistical loss for all vehicles as a whole is a value of 100. Numbers under 100 indicate better than average losses, while values that are above 100 point to more claims or tendency to have higher losses.
Volkswagen Jetta Insurance Claim Statistics
|Make and 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
Local Henderson auto insurance agents and insurance
Many drivers just want to visit with an insurance agent and that can be a smart move Good agents are very good at helping people manage risk and help file insurance claims. The biggest benefit of comparing insurance online is the fact that drivers can get the lowest rates and still have an agent to talk to.
Once you complete this simple form, your insurance coverage information gets sent to participating agents in Henderson who will give competitive quotes for your business. You don't have to search for an agent because prices are sent to you directly. If you want to get a comparison quote from a specific insurance company, you would need to jump over to their website and give them your coverage information.
Choosing an company is decision based upon more than just the premium amount. These questions are important to ask:
- What is the financial rating for the quoted company?
- Do they specialize in personal lines coverage in Henderson?
- Are they paid to recommend certain coverages?
- Is there a 24/7 contact number?
- How is replacement cost determined on your vehicle?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Does the agent recommend any additional coverage?
- Do you need full coverage on every vehicle?
If you want to use a local Henderson insurance agency, there are a couple of different types of agents and how they are slightly different. Insurance agents are classified as either independent or exclusive. Both types of agents can write insurance policies, but it is a good idea to know why they differ since it could factor into your agent selection.
Agents that elect to be exclusive can only provide pricing for a single company and some examples include State Farm, AAA, Farmers Insurance or Allstate. They generally cannot compare rates from other companies so always compare other rates. Exclusive agents are well trained in insurance sales and that enables them to sell even at higher rates.
The following are Henderson exclusive agents that are able to give price quote information.
Sam King - State Farm Insurance Agent
2253 N Green Valley Pkwy - Henderson, NV 89014 - (702) 435-0222 - View Map
Eugene Ramos - State Farm Insurance Agent
1205 W Warm Springs Rd #107 - Henderson, NV 89014 - (702) 597-1750 - View Map
Independent Insurance Agents
Agents in the independent channel do not sell for just one brand and that is an advantage because they can write policies amongst many companies and find the cheapest rate. To move your coverage to a new company, the business is moved internally and you stay with the same agent.
When comparing rate quotes, we highly recommend that you get insurance quotes from independent agents to get the most accurate price comparison.
Below is a short list of independent agents in Henderson who can help you get price quotes.
Steve Leone and Sarah Loy (Leone and Loy Agency) representing American National Insurance Company
1368 Paseo Verde Pkwy #200a - Henderson, NV 89012 - (702) 368-4040 - View Map
Nikkol Jackson Insurance Agency
701 N Green Valley Pkwy #200 - Henderson, NV 89074 - (702) 451-9799 - View Map
Ads can be misleading
Nevada drivers get pounded daily by advertisements that claim the lowest rates from the likes of 21st Century, Allstate and State Farm. All the companies say the same thing that drivers will save a bundle if you get a free Henderson auto insurance quote and switch to them.
It sounds good, but how can they all have lower policy pricing? Here is the trick they use.
Insurance providers offer their best rates for the right customer that will generate a profit. For instance, this type of insured could be a married male, has no tickets, and the vehicle is rated for pleasure use. Any customer who fits those characteristics is entitled to the best price as well as pay quite a bit less when switching companies.
People who do not match the "perfect" profile may receive a more expensive rate which usually ends up with the customer buying from someone else. If you pay close attention to the ads, they say "customers that switch" not "everyone who quotes" save that much when switching. That's why companies can truthfully make claims that they all have the best premium rates. This emphasizes why drivers must do a price quote comparison at every renewal. It is impossible to predict the company that will give you the biggest savings.
What is YOUR best insurance company?
As you go through the steps to switch your coverage, it's not a good idea to sacrifice coverage to reduce premiums. There are many occasions where an insured cut physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.
We just covered a lot of information how to reduce Volkswagen Jetta insurance prices online in Henderson. It's most important to understand that the more quotes you get, the better chance you'll have of finding affordable Henderson auto insurance quotes. You may even discover the lowest priced insurance comes from a company that doesn't do a lot of advertising. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or GEICO.
- Alcohol Impaired Driving FAQ (iihs.org)
- Who Has Cheap Car Insurance Rates for a Subaru Outback in Nevada? (FAQ)
- How Much are Nevada Auto Insurance Rates for a School Permit? (FAQ)
- Who Has Affordable Nevada Auto Insurance Quotes for Drivers Under 25? (FAQ)
- How Much is Nevada Auto Insurance for Drivers Over Age 50? (FAQ)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Help Your Teen Be a Better Driver (State Farm)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Insurance Losses by Make and Model (iihs.org)