Compare Volkswagen Jetta Insurance Rates in New Orleans

Discount Volkswagen Jetta insuranceIt takes a little time, but the best way to get budget auto insurance rates is to regularly compare prices from companies who sell auto insurance in New Orleans.

  1. Gain an understanding of how auto insurance works and the modifications you can make to drop your rates. Many policy risk factors that result in higher prices such as at-fault accidents, speeding tickets, and a poor credit score can be eliminated by making small lifestyle or driving habit changes. Later in this article we will cover more details to keep prices down and earn a bigger discount.
  2. Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or State Farm, while independent agents can quote rates from multiple sources.
  3. Compare the new rates to the premium of your current policy and determine if there is any savings. If you find a lower rate quote and make a switch, make sure coverage does not lapse between policies.
  4. Tell your current company to cancel the current policy. Submit the application along with any required down payment to the new insurer. Once the paperwork is finalized, keep the new proof of insurance paperwork in a readily accessible location in your vehicle.

A valuable tip to remember is to try to use similar coverage information on each quote and and to look at as many companies as possible. Doing this provides an accurate price comparison and the best price quote selection.

It’s an obvious assumption that auto insurance companies don’t want their customers to go rate shopping. Insureds who compare rates at least once a year are likely to switch companies because there is a significant possibility of finding good coverage at a lower price. A recent car insurance study discovered that drivers who routinely shopped for cheaper coverage saved on average $850 each year compared to policyholders who never shopped around for lower prices.

If finding the best price on Volkswagen Jetta insurance in New Orleans is your ultimate objective, then learning a little about how to find and compare coverage rates can save time and money.

The purpose of this article is to let you in on how car insurance companies work and some tips to save money. If you are already insured, you should be able to reduce premiums using these tips. Drivers just need to learn the quickest method to compare insurance rates online.

Learn How to Lower Your Insurance Premiums

Lots of things are considered when premium rates are determined. A few of the factors are predictable such as your driving history, but others are not as apparent like your continuous coverage or your financial responsibility.

Detailed insurance information

The coverage table displayed next covers a range of insurance costs for Volkswagen Jetta models. Having a good understanding how insurance quotes are established is important for drivers to make smart choices when selecting a coverage provider.

Volkswagen Jetta Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $250 $478 $524 $32 $158 $1,442 $120
Jetta S 2.5 Station Wagon $250 $478 $446 $26 $134 $1,334 $111
Jetta LE 4-Dr Sedan $250 $478 $524 $32 $158 $1,442 $120
Jetta SE 4-Dr Sedan $284 $564 $524 $32 $158 $1,562 $130
Jetta SE 2.5 Station Wagon $284 $564 $446 $26 $134 $1,454 $121
Jetta 2.0T 4-Dr Sedan $284 $564 $524 $32 $158 $1,562 $130
Jetta SEL 4-Dr Sedan $284 $564 $524 $32 $158 $1,562 $130
Jetta 2.0T Station Wagon $284 $564 $446 $26 $134 $1,454 $121
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate quotes do not factor in your specific New Orleans location which can modify insurance rates considerably.

The example below highlights how deductible selection and can increase or decrease Volkswagen Jetta insurance rates for different insured age categories. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

Rate difference between full and liability-only coverage

The chart below illustrates the comparison of Volkswagen Jetta premium costs with and without full coverage. The rate quotes are based on no driving violations, no at-fault accidents, $100 deductibles, single status, and no policy discounts are applied.

When to switch to liability coverage only

There is no definitive guideline for dropping physical damage insurance, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let’s assume your Volkswagen Jetta book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $6,000 after you pay the deductible. If it’s costing in excess of $600 a year to have full coverage, then you might want to think about dropping full coverage.

There are some cases where dropping physical damage coverage is not a good plan. If you still owe a portion of the original loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not drop full coverage.

Get cheaper Volkswagen Jetta insurance in New Orleans with discounts

Companies offering auto insurance don’t always advertise every available discount in a way that’s easy to find, so the list below details both the well known in addition to some of the lesser obvious discounts you could be receiving when you buy New Orleans car insurance online. If you do not double check each discount you deserve, you could be getting lower rates.Save money with discounts

You should keep in mind that some credits don’t apply to the entire policy premium. Most cut specific coverage prices like physical damage coverage or medical payments. Despite the appearance that having all the discounts means you get insurance for free, you won’t be that lucky.

The example below illustrates the difference between Volkswagen Jetta yearly insurance costs with and without discounts being applied to the rates. The costs are based on a female driver, a clean driving record, no claims, Louisiana state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, multi-policy, safe-driver, claim-free, and homeowner discounts applied.

A few of the larger companies and a selection of discounts can be found below.

Before buying, ask every prospective company which discounts you may be entitled to. Discounts may not apply to policies in New Orleans. For a list of companies that provide some of the discounts listed above in Louisiana, click here.

Louisiana auto insurance companies

Choosing the top auto insurance company can be challenging considering how many companies are available to choose from in New Orleans. The company rank data below can help you select which companies you want to consider when comparing rates.

Best Auto Insurance Companies in Louisiana
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

The lowest rates come from being thorough

Budget-friendly insurance in New Orleans can be purchased on the web and from local agencies, so you should compare both to have the best selection. Some companies may not have online price quotes and usually these regional insurance providers prefer to sell through independent insurance agencies.

Consumers change insurance companies for a variety of reasons including an unsatisfactory settlement offer, policy cancellation, not issuing a premium refund and policy non-renewal. Regardless of your reason for switching companies, finding the right insurance provider is pretty easy and you might even save some money in the process.

In this article, we covered some good ideas how you can find affordable Volkswagen Jetta insurance in New Orleans. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even find the most savings is with an unexpected company.

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