Best Insurance for a Volkswagen Jetta in Oklahoma City

Insurance quote for Volkswagen Jetta in Oklahoma CityTruthfully, the best way to save money on Volkswagen Jetta insurance is to compare quotes once a year from providers in Oklahoma City. Prices can be compared by completing these steps.

One thing to point out is to try to compare similar deductibles and liability limits on each price quote and and to get prices from as many car insurance companies as possible. Doing this provides the most accurate price comparison and a good representation of prices.

It’s hard to fathom, but almost 70% of drivers have remained with the same car insurance company for a minimum of four years, and practically 40% of car insurance customers have never quoted car insurance rates at all. Many drivers in Oklahoma could cut their rates by roughly $550 a year by just comparing quotes, but they think it’s difficult to compare other rate quotes.

If you’re already insured or just want cheaper coverage, you can use this information to reduce the price you pay without having to cut coverage. Locating the most cost-effective insurance policy in Oklahoma City is quite easy if you know the best way to do it. Consumers just need to use the quickest way to compare prices from many companies at once.

Earn discounts on Oklahoma City insurance

Insuring your vehicles can cost a lot, but you may find discounts that many people don’t even know exist. Some discounts apply automatically at the time of purchase, but a few must be asked about before being credited.

As a footnote on discounts, most credits do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, that’s just not realistic.

The example below illustrates the difference between Volkswagen Jetta insurance premiums with and without discounts applied to the policy rates. The price estimates are based on a female driver, a clean driving record, no claims, Oklahoma state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-policy, multi-car, safe-driver, and homeowner discounts applied.

Popular insurance companies and a partial list of their discounts are detailed below.

It’s a good idea to ask every company to give you their best rates. Some of the discounts discussed earlier may not be available everywhere. To view providers with significant discounts in Oklahoma, click here to view.

Finding Volkswagen Jetta insurance in Oklahoma City

Reducing your insurance rates can be surprisingly simple. You just have to spend a few minutes on the computer comparing rate quotes to discover which company has the cheapest Volkswagen Jetta rate quotes.

Comparing price quotes online is fast and free, and it makes it a waste of time to actually drive to local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless your situation requires the advice and guidance that can only be provided by a licensed insurance agent. Drivers can find lower rates online but buy from a local insurance agent.

The companies shown below provide quotes in Oklahoma City, OK. If more than one company is shown, we recommend you visit as many as you can to get a more complete price comparison.

Insurance coverage details

The table displayed below covers estimates of insurance costs for Volkswagen Jetta models. Learning as much as possible about how insurance quotes are figured can be useful when making smart choices when comparing insurance quotes.

Volkswagen Jetta Insurance Rates in Oklahoma City, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $210 $422 $542 $32 $162 $1,368 $114
Jetta S 2.5 Station Wagon $210 $422 $462 $28 $138 $1,260 $105
Jetta LE 4-Dr Sedan $210 $422 $542 $32 $162 $1,368 $114
Jetta SE 4-Dr Sedan $236 $498 $542 $32 $162 $1,470 $123
Jetta SE 2.5 Station Wagon $236 $498 $462 $28 $138 $1,362 $114
Jetta 2.0T 4-Dr Sedan $236 $498 $542 $32 $162 $1,470 $123
Jetta SEL 4-Dr Sedan $236 $498 $542 $32 $162 $1,470 $123
Jetta 2.0T Station Wagon $236 $498 $462 $28 $138 $1,362 $114
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rates do not factor in zip code location which can decrease or increase insurance rates considerably.

The chart below demonstrates how choosing different deductibles and can increase or decrease Volkswagen Jetta insurance rates for each age group. The prices are based on a married male driver, comp and collision included, and no additional discounts are factored in.

Impact of age and gender on car insurance rates

The information below illustrates the comparison of Volkswagen Jetta insurance premiums for male and female drivers. The information is based on a clean driving record, no claims, comprehensive and collision coverage, $100 deductibles, marital status is single, and no additional discounts are factored in.

Volkswagen Jetta liability rates compared to full coverage

The information below shows the comparison of Volkswagen Jetta insurance costs with liability coverage only compared to full coverage. The prices are based on no violations or accidents, $250 deductibles, single status, and no discounts are factored in.

Deciding between full coverage and liability only

There is no clear-cut rule of when to exclude comp and collision coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than about 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let’s say your Volkswagen Jetta book value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after the deductible is paid. If you are paying over $800 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are a few situations where dropping full coverage is not a good idea. If you haven’t paid off your loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

The Volkswagen Jetta Insurance Rate Equation

Lots of factors are considered when you get your auto insurance bill. Some are pretty understandable such as your driving record, but others are less obvious such as your credit history or your financial responsibility. One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that are used to determine your auto insurance rates. When you understand what determines base rates, this allows you to make good choices that may result in better auto insurance rates.

Tailor your insurance coverage to you

Always keep in mind that when comparing adequate coverage for your vehicles, there really isn’t a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight if you might need an agent’s assistance.

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Compare prices but buy from a local Oklahoma City insurance agency

A lot of people would rather sit down with an agent and that is a smart decision Experienced insurance agents can help determine the best coverages and help in the event of a claim. The best thing about price shopping on the web is that you can obtain cheap auto insurance quotes but also keep your business local. Buying from local insurance agencies is still important in Oklahoma City.

Oklahoma City insurance agentsUpon completion of this simple form, your information is emailed to agents in your area who can give free rate quotes to get your business. It’s much easier because you don’t need to contact an agency since rate quotes are delivered immediately to your email address. If you need to quote rates from a specific company, you can always navigate to their website and fill out their quote form.

Pick the best auto insurance agent in Oklahoma City for you

When searching for a local Oklahoma City insurance agency, there are a couple of types of insurance agents and how they differ in how they can insure your vehicles. Auto insurance agents are classified as either independent or exclusive depending on the company they work for. Both types can insure your vehicles, but it’s important to know the difference in the companies they write for because it can factor into the kind of agent you use.

Independent Auto Insurance Agencies

Agents that choose to be independent are not employed by one company and that allows them to write policies with multiple insurance companies and find the cheapest auto insurance rates. If they find a cheaper price, an independent agent can move your coverage which makes it simple for you.

If you are trying to find cheaper rates, we recommend you get some free quotes from multiple independent agents in order to compare the most rates.

The following is a small list of independent agencies in Oklahoma City who may be able to give you pricing information.

3232 W Britton Rd # 150Oklahoma City, OK 73120(405) 285-4040View Map

324 W Hefner RdOklahoma City, OK 73114(405) 755-4571View Map

4200 Perimeter Center DrOklahoma City, OK 73112(405) 778-8880View Map

View more Oklahoma City agents

Exclusive Insurance Agencies

Agents that choose to be exclusive are contracted to one company and some examples include Allstate, Farmers Insurance or State Farm. They are unable to provide other company’s prices so they really need to provide good service. Exclusive insurance agents are highly trained on their company’s products which helps them sell on service rather than price.

The following are exclusive agencies in Oklahoma City who can help you get comparison quotes.

4430 N W 50th MOklahoma City, OK 73112(405) 947-2812View Map

2519 NW 23rd St #140Oklahoma City, OK 73107(405) 301-8162View Map

10901 S Western Ave aOklahoma City, OK 73170(405) 378-0407View Map

View more Oklahoma City agents

Picking the best auto insurance agent should depend on more than just a cheap price quote. The answers to these questions are important, too.

Choosing the best Jetta insurance in Oklahoma is an important decision

Despite the fact that car insurance is not cheap in Oklahoma City, insurance may be required for several reasons.

First, the majority of states have mandatory insurance requirements which means it is punishable by state law to not carry specific limits of liability if you drive a vehicle. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a loan on your vehicle, most banks will have a requirement that you have full coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Volkswagen for a lot more money and require you to fork over for the expensive policy.

Third, insurance safeguards both your assets and your Volkswagen. It will also provide coverage for many types of medical costs for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will cover the repair costs.

The benefits of carrying adequate insurance are without a doubt worth the cost, especially with large liability claims. Today the average American driver is overpaying over $810 a year so compare rates at least once a year to save money.

Don’t give up on cheaper rates

Low-cost Volkswagen Jetta insurance in Oklahoma City is possible from both online companies and from local agencies, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not have online quoting and usually these smaller providers provide coverage only through independent agencies.

Insureds change insurance companies for a variety of reasons including high rates after DUI convictions, denial of a claim, policy non-renewal or poor customer service. Whatever your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

We just showed you some good ideas how to reduce Volkswagen Jetta insurance prices online in Oklahoma City. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even be surprised to find that the best prices are with some of the smallest insurance companies.

More detailed insurance information is available at these sites: