It’s safe to assume that car insurance companies don’t want their policyholders to compare prices. Insureds who shop around for cheaper prices will most likely buy a different policy because there is a high probability of finding discount prices. A recent car insurance study discovered that drivers who compared rates regularly saved an average of $865 annually compared to other drivers who never compared prices.
If finding the lowest rates on car insurance is the reason you’re here, then understanding how to find companies and compare coverage rates can help make the process easier and more efficient.
If your goal is the lowest price, then the best way to find cheaper quotes for car insurance rates in Tucson is to make a habit of regularly comparing prices from insurance carriers in Arizona.
First, read and learn about the different coverages in a policy and the modifications you can make to prevent expensive coverage. Many risk factors that drive up the price like traffic tickets, fender benders, and a negative credit rating can be remedied by making minor driving habit or lifestyle changes. Later in this article we will cover more details to help prevent high rates and find hidden discounts.
Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO and Allstate, while independent agents can provide rate quotes for many different companies.
Third, compare the quotes to your existing rates to see if cheaper Jetta coverage is available in Tucson. If you can save money, ensure coverage does not lapse between policies.
Fourth, notify your current company of your decision to cancel your current policy. Submit payment along with a signed and completed policy application to your new insurance company. As soon as you can, keep your new proof of insurance certificate with the vehicle registration.
A good tip to remember is to compare identical deductibles and limits on every price quote and and to get quotes from as many carriers as you can. This provides an accurate price comparison and the most accurate and complete price analysis.
Tucson car insurance discounts
Insuring your vehicles can cost a lot, but there may be some discounts that may help make it more affordable. Certain discounts will be triggered automatically at the time of purchase, but once in a while a discount must be asked about prior to getting the savings.
- Student Discounts – A discount for being a good student could provide a savings of up to 20% or more. The good student discount can last up to age 25.
- Paperwork-free – A few insurance companies will give a small break for completing your application online.
- Defensive Driver – Successfully completing a course that instructs on driving safety can save you 5% or more and easily recoup the cost of the course.
- Switch and Save Discount – Some insurance companies provide a discount for switching companies prior to the expiration date on your current Jetta insurance policy. It can save you around 10%.
- Active Military Service – Being on active deployment in the military may qualify for rate reductions.
- Senior Citizens – Drivers that qualify as senior citizens are able to get reduced rates.
It’s important to note that most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky.
The example below compares Volkswagen Jetta auto insurance costs with and without discounts applied. The costs are based on a female driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, claim-free, safe-driver, multi-car, and homeowner discounts applied.
A few of the larger companies and some of the discounts are:
- State Farm may have discounts that include safe vehicle, anti-theft, Steer Clear safe driver discount, driver’s education, defensive driving training, accident-free, and multiple autos.
- GEICO has savings for federal employee, air bags, seat belt use, emergency military deployment, and military active duty.
- Liberty Mutual has discounts for teen driver discount, preferred payment discount, new graduate, newly retired, and safety features.
- The Hartford may include discounts for good student, vehicle fuel type, driver training, defensive driver, bundle, and air bag.
- MetLife may offer discounts for good driver, multi-policy, accident-free, claim-free, defensive driver, and good student.
- Progressive policyholders can earn discounts including homeowner, multi-policy, online signing, continuous coverage, and multi-vehicle.
When quoting, ask every prospective company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply in your area. To see a list of insurers who offer online Volkswagen Jetta insurance quotes in Arizona, follow this link.
When shopping for Volkswagen Jetta insurance in Tucson there are multiple ways of comparing rates from all the different companies. The fastest way to find the lowest Volkswagen Jetta rates is to use the internet to compare rates. When comparing auto insurance rates, know that comparing a large number of companies will enable you to find a better price.
The companies shown below are our best choices to provide free rate quotes in Tucson, AZ. If multiple companies are listed, we recommend you visit several of them in order to find the lowest rates.
Analysis of coverages
The coverage information shown below showcases detailed analysis of insurance rates for Volkswagen Jetta models. Learning more about how insurance premiums are determined can help drivers make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $146 | $268 | $288 | $18 | $86 | $806 | $67 |
| Jetta S 2.5 Station Wagon | $146 | $268 | $244 | $14 | $74 | $746 | $62 |
| Jetta LE 4-Dr Sedan | $146 | $268 | $288 | $18 | $86 | $806 | $67 |
| Jetta SE 4-Dr Sedan | $166 | $316 | $288 | $18 | $86 | $874 | $73 |
| Jetta SE 2.5 Station Wagon | $166 | $316 | $244 | $14 | $74 | $814 | $68 |
| Jetta 2.0T 4-Dr Sedan | $166 | $316 | $288 | $18 | $86 | $874 | $73 |
| Jetta SEL 4-Dr Sedan | $166 | $316 | $288 | $18 | $86 | $874 | $73 |
| Jetta 2.0T Station Wagon | $166 | $316 | $244 | $14 | $74 | $814 | $68 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can revise coverage prices substantially.
Higher deductibles save money
One of the more difficult decisions when buying insurance is which comprehensive and collision deductibles to buy. The comparison tables below lay out the rate difference when you buy lower versus higher coverage deductibles. The first data table uses a $100 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Jetta S 2.5 Station Wagon | $258 | $466 | $254 | $16 | $76 | $1,095 | $91 |
| Jetta LE 4-Dr Sedan | $258 | $466 | $300 | $18 | $90 | $1,157 | $96 |
| Jetta SE 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Jetta SE 2.5 Station Wagon | $292 | $548 | $254 | $16 | $76 | $1,211 | $101 |
| Jetta 2.0T 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Jetta SEL 4-Dr Sedan | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Jetta 2.0T Station Wagon | $292 | $548 | $254 | $16 | $76 | $1,211 | $101 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Jetta S 2.5 Station Wagon | $188 | $314 | $254 | $16 | $76 | $848 | $71 |
| Jetta LE 4-Dr Sedan | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Jetta SE 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Jetta SE 2.5 Station Wagon | $212 | $370 | $254 | $16 | $76 | $928 | $77 |
| Jetta 2.0T 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Jetta SEL 4-Dr Sedan | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Jetta 2.0T Station Wagon | $212 | $370 | $254 | $16 | $76 | $928 | $77 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rate quotes do not factor in your specific Tucson location which can affect coverage rates substantially.
Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $22 more each month or $264 each year across all Volkswagen Jetta models than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 18 months between claims, you would more than likely save some money if you choose a higher deductible.
The chart below shows how choosing a deductible and can affect Volkswagen Jetta insurance prices for each age group. The data is based on a married female driver, comp and collision included, and no discounts are applied to the premium.
Comparison of full coverage and liability-only policies
The example below visualizes the comparison of Volkswagen Jetta car insurance costs when comparing full coverage to liability only. The premiums assume a clean driving record, no claims, $250 deductibles, single marital status, and no discounts are applied.
When to stop buying full coverage
There isn’t a steadfast formula of when to stop paying for physical damage coverage, but there is a guideline you can consider. If the annual cost of coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let’s say your Volkswagen Jetta replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after the policy deductible has been paid. If you are currently paying more than $400 a year for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are some scenarios where only buying liability is not recommended. If you still owe a portion of the original loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage.
Lower the Price of Car Insurance with These Tips
A large part of saving on car insurance is knowing some of the factors that help determine your car insurance rates. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that may reward you with lower car insurance prices.
The items below are some of the factors car insurance companies consider when setting your prices.
Avoid traffic tickets – Whether or not you get tickets has a huge affect on how much you pay. Getting just one driving citation could increase your next policy renewal by twenty percent. Drivers with clean records have lower premiums than their less careful counterparts. Drivers who have gotten license-revoking violations like DWI, reckless driving or hit and run convictions may need to maintain a SR-22 with their state’s licensing department in order to drive a vehicle legally.
The chart below demonstrates how traffic citations and at-fault accidents can impact Volkswagen Jetta insurance prices for each different age group. The costs are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
Physical damage deductibles – Comprehensive and collision coverage deductibles define how much the insured will be required to pay if the claim is covered. Physical damage insurance, aka comp and collision, is used to repair damage to your car. A few examples of covered claims are collision with another vehicle, fire damage, or theft of your vehicle. The more money the insured is willing to pay, the less money you will pay for car insurance.
Consolidate policies with the same company – Many companies allow better rates to clients that have more than one policy, otherwise known as a multi-policy discount. This can amount to as much as ten percent or more Even though this discount sounds good, it’s always a smart idea to compare other Tucson Jetta insurance rates to help ensure you have the lowest rates.There is a chance you can find better rates even if you have your coverage with different companies
Prices impacted by vehicle usage – The higher the miles on your Volkswagen in a year’s time the higher the price you pay to insure it. Almost all companies rate vehicles partially by how you use the vehicle. Cars that do not get driven very much receive better premium rates than vehicles that have high annual mileage. An incorrectly rated Jetta can result in significantly higher rates. Make sure your car insurance policy properly reflects the correct usage for each vehicle, because improper ratings can cost you money.
Safer cars are cheaper to insure – Cars with five star safety ratings get lower rates. Vehicles built for safety have better occupant injury protection and fewer serious injuries means less claims paid and lower rates for you.
Insurance rates are higher for high performance vehicles – The type of vehicle you need to insure makes a significant difference in how high your rates are. The best insurance prices are for the lowest performance passenger models, but that’s not the only thing that factors into the final price.
The chart below uses these assumptions: married male driver age 40, full coverage with $500 deductibles, and no discounts or violations. It shows Volkswagen Jetta rates compared to other vehicles that have a range of performance risks.
Volkswagen Jetta statistical loss data – Insurers use past loss statistics for each vehicle as a way to help calculate a profitable premium rate. Models that historically have higher losses will cost more for coverage. The data below shows the insurance loss data for Volkswagen Jetta vehicles.
For each coverage type, the statistical loss for all vehicles averaged together equals 100. Percentages below 100 are indicative of better than average losses, while percentages above 100 indicate more frequent claims or statistically larger losses.
| Vehicle 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 |
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Exclusive versus independent insurance agents
Certain consumers still prefer to get advice from a local agent and that can be a smart move The best thing about price shopping on the web is that you can obtain cheap auto insurance rates and still have a local agent.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is instantly submitted to local insurance agents in Tucson who will give you bids and help you find cheaper coverage. It’s much easier because you don’t need to contact an agency because quoted prices will be sent directly to your email. You can get cheaper auto insurance rates without a big time investment. If you have a need to quote rates from a particular provider, you would need to navigate to their website and complete a quote there.
Picking the best provider is decision based upon more than just the quoted price. Before buying a policy in Tucson, get answers to these questions.
- What are the financial ratings for the companies they represent?
- If your car is totaled, how to they determine the replacement cost?
- Does the agency have a positive business rating?
- Do they reduce claim amounts on high mileage vehicles?
- Does the company allow you to choose your own collision repair facility?
- How many companies do they write for?
- Are they giving you every discount you deserve?
- When do they do a full risk review?
Exclusive and independent Tucson auto insurance agents
When finding a local Tucson insurance agent, it helps to know the two types of agencies and how they can service your needs differently. Tucson agents can be categorized as either independent (non-exclusive) or exclusive.
Exclusive Auto Insurance Agencies
Agents that choose to be exclusive can usually just insure with one company such as Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot give you multiple price quotes so it’s a take it or leave it situation. Exclusive insurance agents are well trained in insurance sales which helps them sell insurance even at higher premiums. Consumers often purchase coverage from exclusives primarily because of the brand and solid financial strength.
The following is a list of exclusive agencies in Tucson who may provide you with rate quotes.
- American Family Insurance – Thom Wadlund
4500 E Grant Rd Ste A – Tucson, AZ 85712 – (520) 318-0734 – View Map - Allstate Insurance: Edmund Marquez
4420 E Speedway Blvd Ste 102 – Tucson, AZ 85712 – (520) 323-9333 – View Map - Michael Riley – State Farm Insurance Agent
2050 E Speedway Blvd – Tucson, AZ 85719 – (520) 323-9467 – View Map
Independent Agents (or Brokers)
These type of agents are not employed by any specific company so they have the ability to put coverage through lots of different companies and get the cheapest rates. If premiums increase, they simply move your policy to a different company and you won’t have to switch agencies. If you are comparing auto insurance prices, we recommend you get several quotes from independent agents to get the most accurate price comparison. Most also write with less well-known companies which can be an advantage.
The following are Tucson independent insurance agencies who can help you get rate quotes.
- Mike Pierce Insurance
1809 S 6th Ave – Tucson, AZ 85713 – (520) 884-8488 – View Map - Arizona Insurance Clinic
4925 E 5th St Suite # 101 – Tucson, AZ 85711 – (520) 323-6887 – View Map - HalSi Insurance Services
7670 E Broadway Blvd #250 – Tucson, AZ 85710 – (520) 296-7881 – View Map
Car insurance does more than just repair your car
Even though it can be expensive, maintaining insurance serves an important purpose.
- Just about all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability coverage in order to drive the car. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your Jetta, most banks will stipulate that you have insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Volkswagen at a significantly higher premium and force you to reimburse them for it.
- Insurance protects not only your vehicle but also your financial assets. Insurance will pay for medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay attorney fees if you cause an accident and are sued. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance are definitely more than the cost, specifically if you ever have a liability claim. Today the average American driver is overpaying over $850 per year so you should quote your policy with other companies each time the policy renews to be sure current rates are still competitive.
Ratings for Arizona car insurance companies
Selecting a highly-rated insurance provider can be difficult considering how many companies there are to choose from in Tucson. The ranking data below can help you decide which car insurance companies you want to consider comparing rates with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Be persistent and save
We’ve covered quite a bit of information on how to lower your Volkswagen Jetta insurance auto insurance rates in Tucson. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding inexpensive Tucson car insurance quotes. Consumers may even find the lowest auto insurance rates come from some of the smallest insurance companies.
A few companies may not have rates over the internet and most of the time these small, regional companies only sell coverage through independent agents. The cheapest Volkswagen Jetta insurance in Tucson is available both online and with local Tucson insurance agents, so you need to compare both to have the best rate selection.
As you shop your coverage around, never reduce needed coverages to save money. In many instances, someone dropped physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.
Other resources
- Bodily Injury Coverage (Liberty Mutual)
- Who Has Affordable Auto Insurance Rates for Drivers with Accidents in Tucson? (FAQ)
- How Much is Auto Insurance for Welfare Recipients in Tucson? (FAQ)
- Who Has Affordable Car Insurance Rates for Drivers with Bad Credit in Tucson? (FAQ)
- Who Has the Cheapest Car Insurance for a Honda CR-V in Tucson? (FAQ)
- Who Has the Cheapest Tucson Car Insurance Rates for High Mileage Drivers? (FAQ)
- Who Has the Cheapest Tucson Auto Insurance for Ride Shares? (FAQ)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Side Impact Crash Tests (iihs.org)