Save Money on Volkswagen Jetta Insurance in Milwaukee

Want to save money and find low-cost Volkswagen Jetta insurance in Milwaukee? Feel like you’re a prisoner to an expensive auto insurance policy? Believe me, many Milwaukee drivers have buyer’s remorse.

Inconceivable but true, a large majority of consumers kept buying from the same company for over three years, and 38% of customers have never taken the time to shop around. With the average premium in Wisconsin being $1,300, drivers can cut their rates by roughly $400 a year by just comparing quotes, but they underestimate the big savings they would realize if they bought a different policy.

Having so many companies and agents to choose from, it is hard for the average consumer to find the lowest price auto insurance company.

It’s a great practice to compare rates periodically since insurance prices tend to go up over time. Even if you think you had the best deal on Volkswagen Jetta insurance in Milwaukee a few years ago there may be better deals available now. You can find a lot of wrong information about Jetta insurance on the internet, but in just a couple of minutes you can learn the easiest ways to slash your auto insurance rates in Milwaukee.

Cheap Volkswagen insurance rate quotes in Milwaukee

The companies shown below can provide price quotes in Wisconsin. If multiple providers are shown, we recommend you visit two to three different companies in order to find the most affordable rates.

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in vehicle garaging location which can raise or lower prices significantly.

Should you raise deductibles?

When buying car insurance, a common question is how low should you set your deductibles. The comparison tables below help summarize the rate difference of buying low and high insurance deductibles. The first table uses a $100 physical damage deductible and the second pricing table uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Information does not factor in specific Milwaukee garaging location which can modify premium rates greatly.

Based on the above data, using a $100 deductible will cost in the ballpark of $18 more each month or $216 annually than choosing the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at least 22 months between claims, you would save more money going with the higher deductible.

An analysis of deductible level

The illustration below demonstrates how deductible levels and can impact Volkswagen Jetta insurance costs for different age groups of insureds. The premium estimates are based on a single male driver, full coverage, and no discounts are applied to the premium.

Volkswagen Jetta insurance rates: Men versus women

The information below shows the comparison of Volkswagen Jetta auto insurance costs for male and female drivers. The premiums assume no violations or claims, comprehensive and collision coverage, $100 deductibles, drivers are single, and no discounts are taken into consideration.

Get discounts to get affordable Milwaukee auto insurance quotes

Auto insurance companies don’t necessarily list the entire discount list very well, so we break down both well-publicized and the harder-to-find credits available to bring down your rates.

• Savings for New Vehicles – Buying auto insurance coverage on a new vehicle is cheaper since newer models have better safety ratings.
• Bundle and Save – If you can combine your auto and home policy and insure them both with the same insurance company you will save approximately 10% to 15%.
• More Vehicles More Savings – Having multiple cars or trucks with the same auto insurance company qualifies for this discount.
• Professional Organizations – Affiliation with a professional or civic organization is a simple method to lower premiums on your bill.
• Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can avoid the installment charge.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to fasten their seat belts could cut 10% or more off the PIP or medical payment premium.

It’s important to note that most discount credits are not given to the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

Companies and some of the discounts are:

• Farm Bureau offers premium reductions for multi-policy, 55 and retired, youthful driver, safe driver, renewal discount, multi-vehicle, and good student.
• Liberty Mutual includes discounts for newly married, new graduate, safety features, new move discount, and multi-policy.
• State Farm may offer discounts for defensive driving training, safe vehicle, student away at school, driver’s education, and Steer Clear safe driver discount.
• Auto-Owners Insurance policyholders can earn discounts including safe driver, safe vehicle, multi-policy, group or association, good student, and air bags.
• GEICO offers discounts for good student, anti-theft, federal employee, seat belt use, air bags, daytime running lights, and membership and employees.
• SAFECO has discounts for anti-theft, anti-lock brakes, teen safety rewards, drive less, and teen safe driver.

It’s a good idea to ask every insurance company which discounts you qualify for. Some credits may not apply to policyholders in Milwaukee. If you would like to choose from a list of providers that offer multiple discounts in Milwaukee, click here.

Get Lower-cost Insurance Rates by Understanding These Factors

Lots of things are used when pricing auto insurance. Most are fairly basic like an MVR report, but other factors are less apparent such as your credit history or your vehicle rating. The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that are used to determine your policy premiums. If you have some idea of what impacts premium levels, this enables informed choices that may reward you with lower auto insurance prices.

• Gaps in coverage mean higher auto insurance rates – Allowing your coverage to lapse can be a guaranteed way to drive up your policy premiums. And not only will insurance be more expensive, failure to provide proof of insurance could earn you fines or a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with the Wisconsin department of motor vehicles.
• Type of car determines base costs – The make and model of the vehicle you need to insure makes a big difference in your auto insurance rates. The lowest rates are for low performance passenger cars, but other factors influence the final cost greatly. Since the Volkswagen Jetta is a compact car, insurance will be the same to a little lower compared to average rates in Milwaukee.
• Teenagers vs. older drivers – Youthful drivers in Wisconsin are known to be inattentive and easily distracted when behind the wheel therefore auto insurance rates are much higher. Mature drivers have been proven to be more responsible, tend to file fewer claims, and tend to be get fewer driving tickets.
• Which gender costs less? – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. Women and men have accidents at a similar rate, but men cause more damage and cost insurance companies more money. Not only are claims higher, but men get cited for more serious violations like driving under the influence (DUI).
• Loss probability for a Volkswagen Jetta – Car insurance companies use claims history to help determine prices. Models that the data shows to have higher frequency or amount of claims will cost more for specific coverages. The data below shows the collected loss data for Volkswagen Jetta vehicles.

  For each coverage category, the claim amount for all vehicles, regardless of make or model, is equal to 100. Values under 100 suggest a positive loss record, while percentages above 100 show a trend for more claims or an increased probability of a larger loss.

  Car Insurance Loss Data for Volkswagen Jetta Models

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Volkswagen Jetta	110	118	93	113	123	127
  Volkswagen Jetta Hybrid	128	121	114	104

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

When should I contact an insurance agent?

Some consumers still prefer to visit with an insurance agent and doing that can be a smart decision One of the best bonuses of comparing rate quotes online is that you can find cheap car insurance quotes and also buy local. Supporting small agencies is still important in Milwaukee.

To help locate an agent, after submitting this simple form, the quote information is submitted to participating agents in Milwaukee that provide free Milwaukee auto insurance quotes and help you find cheaper coverage. You don’t have to even leave your home because prices are sent straight to your inbox. Get lower rates without the usual hassles of price shopping. If you want to get a comparison quote from a particular provider, feel free to search and find their rate quote page to submit a rate quote request.

Finding the right insurance company shouldn’t rely on just the price. These are some valid questions you should ask.

• Are they properly licensed to sell insurance in Wisconsin?
• How long has the business existed?
• What company do they have the most business with?
• Can you contact them at any time?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• If you have an accident, will your rates go up?
• Can you use your own choice of collision repair facility?

Smaller companies may have the best rates

Respected companies like Progressive, Allstate and GEICO endlessly run television, radio, and online ads. All the companies tend to make the same promise that drivers can save some big amount if you move your coverage to them. It sounds good, but how can they all sell you cheaper insurance coverage? This is the way they can do it.

Many companies quote their cheapest rates for the type of insured that will not have excessive claims. A good example of this type of risk profile may need to be over age 30, has a clear driving record, and drives less than 10,000 miles a year. A driver who meets those qualifications will get very good Milwaukee auto insurance rates and will probably save a lot of money.

Potential insureds who are not a match for those criteria will see more expensive rates which translates to business going elsewhere. If you pay attention, the ads say “people who switch” not “everybody who quotes” save that much. That’s the way companies can truthfully make claims like that.

Different companies use different criteria so drivers should compare price quotes frequently. It’s not possible to predict which car insurance company will fit you best based on your risk profile.

Be persistent to save money

You just learned quite a bit of information on how to save on Volkswagen Jetta insurance in Milwaukee. The key thing to remember is the more quotes you get, the better chance you’ll have of finding low cost Milwaukee auto insurance quotes. Drivers may even discover the biggest savings come from some of the smallest insurance companies. They may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.

Cheap Volkswagen Jetta insurance in Milwaukee is definitely available from both online companies in addition to many Milwaukee insurance agents, and you should compare rates from both to get a complete price analysis. There are still a few companies who don’t offer online rate quotes and usually these small insurance companies sell through independent agents.

For more information, link through to the articles below:

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• How Much is Auto Insurance After a Speeding Ticket in Milwaukee? (FAQ)
• Who Has the Cheapest Milwaukee Auto Insurance Quotes for a Toyota Tacoma? (FAQ)
• Who Has Cheap Milwaukee Auto Insurance Rates for Veterans? (FAQ)
• How Much is Milwaukee Auto Insurance for Low Mileage Drivers? (FAQ)
• What Auto Insurance is Cheapest for Good Students in Milwaukee? (FAQ)
• What Car Insurance is Cheapest for High School Students in Milwaukee? (FAQ)
• Auto Insurance 101 (About.com)
• Keeping Children Safe in Crashes Video (iihs.org)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
• Air Bags: Potential Dangers to Your Children (Insurance Information Institute)