How long has it been since you compared lower-priced Volkswagen Jetta insurance in Buffalo? High-priced auto insurance in Buffalo can deplete your funds and force you to cut corners elsewhere. Getting a rate comparison is free, only takes a few minutes, and is a good way to lower your bills every month.
It’s shocking but the majority of drivers have stayed with the same insurance company for a minimum of four years, and virtually 40% of consumers have never even shopped around for cheap coverage. Consumers in Buffalo could save themselves roughly $840 a year, but they underestimate the amount of money they would save if they bought a different policy.
How to find more affordable Volkswagen Jetta insurance in Buffalo
If you want to save money, the best way to find cheaper prices for Volkswagen Jetta insurance is to do a yearly price comparison from insurers in Buffalo.
First, spend some time learning about individual coverages and the things you can change to prevent expensive coverage. Many factors that cause high rates like traffic citations, accidents, and a bad credit score can be rectified by making minor changes in your lifestyle. Later in this article we will cover ideas to get low prices and get discounts that may be available to you.
Second, compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO or Allstate, while independent agents can quote rates from many different companies.
Third, compare the new quotes to your existing policy to determine if you can save on Jetta insurance in Buffalo. If you can save money and buy the policy, make sure there is no lapse in coverage.
An important note is that you use the same deductibles and limits on each quote and and to get price estimates from as many companies as you can. Doing this ensures an accurate price comparison and a good representation of prices.
Due to the large number of different company options, it can be difficult for drivers to choose a lower cost auto insurance company.
It’s a good habit to compare rates occasionally because auto insurance rates change frequently. Despite the fact that you may have had the lowest rate on Volkswagen Jetta insurance in Buffalo a year ago you can probably find a better price now. There is a lot of wrong information about Jetta insurance out there, but I’m going to show you some of the best ways to quit paying high auto insurance rates in Buffalo.
When shopping for Volkswagen Jetta insurance in Buffalo there are multiple ways to compare rate quotes from all the different companies. The easiest way by far to find cheaper rates is to get quotes online.
Getting price quotes online is very simple and it takes the place of having to actually drive to all the different insurance agencies. The internet eliminates the need for an insurance agent unless you want the professional guidance of a local agency. It is possible with some companies comparison shop online but buy from a local insurance agent.
Just keep in mind that quoting more increases the chance that you will find the best price. Not every company allows you to get online rate quotes, so it’s recommended that you also compare price estimates from them as well.
The car insurance companies shown below are ready to provide price quotes in New York. To find the best car insurance in Buffalo, NY, we recommend you visit as many as you can to find the lowest car insurance rates.
Car insurance does more than just repair your car
Despite the high cost, maintaining insurance is required in New York but also provides important benefits.
- Almost all states have minimum liability requirements which means it is punishable by state law to not carry a specific level of liability insurance coverage if you drive a vehicle. In New York these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Jetta has a loan, almost all lenders will stipulate that you carry insurance to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the bank may insure your Volkswagen at a significantly higher premium and force you to pay the higher premium.
- Insurance safeguards both your car and your assets. It also can pay for most medical and hospital costs for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay for a defense attorney if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, your car insurance policy will pay to repair the damage minus the deductible amount.
The benefits of having insurance more than offset the price you pay, particularly for liability claims. According to a 2015 survey, the average American driver is overpaying more than $869 every year so it’s important to compare rates at least once a year to make sure the price is not too high.
Volkswagen Jetta insurance statistics and information
The coverage information below outlines detailed analysis of coverage costs for Volkswagen Jetta models. Having a better understanding of how auto insurance policy rates are established helps drivers make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $142 | $272 | $278 | $16 | $84 | $792 | $66 |
| Jetta S 2.5 Station Wagon | $142 | $272 | $236 | $14 | $70 | $734 | $61 |
| Jetta LE 4-Dr Sedan | $142 | $272 | $278 | $16 | $84 | $792 | $66 |
| Jetta SE 4-Dr Sedan | $162 | $320 | $278 | $16 | $84 | $860 | $72 |
| Jetta SE 2.5 Station Wagon | $162 | $320 | $236 | $14 | $70 | $802 | $67 |
| Jetta 2.0T 4-Dr Sedan | $162 | $320 | $278 | $16 | $84 | $860 | $72 |
| Jetta SEL 4-Dr Sedan | $162 | $320 | $278 | $16 | $84 | $860 | $72 |
| Jetta 2.0T Station Wagon | $162 | $320 | $236 | $14 | $70 | $802 | $67 |
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium costs do not factor in specific garaging location which can raise or lower prices noticeably.
How violations and accidents impact rates
The illustration below highlights how speeding tickets and at-fault fender-benders impact Volkswagen Jetta insurance costs for different age groups. The information is based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
Does it make sense to buy full coverage?
The example below visualizes the comparison of Volkswagen Jetta insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on a clean driving record, no at-fault accidents, $250 deductibles, single marital status, and no discounts are taken into consideration.
When to eliminate full coverage
There isn’t a written rule that works best for making the decision to drop comp and collision coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
For example, let’s pretend your Volkswagen Jetta settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after you pay the deductible. If premium cost is more than $500 a year for full coverage, then you may need to consider dropping full coverage.
There are some situations where dropping physical damage coverage is not financially feasible. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.
Get cheaper rates with these seven discounts
Not too many consumers would say auto insurance is affordable, but you can get discounts that could drop your premiums quite a bit. Certain reductions will be credited when you purchase, but some need to be asked for before you get the savings.
- Theft Deterrent System – Vehicles optioned with advanced anti-theft systems help deter theft and therefore earn up to a 10% discount.
- Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up can save 10% or more off the personal injury premium cost.
- Military Discounts – Having an actively deployed family member could trigger a small discount.
- Good Driver Discounts – Insureds who avoid accidents may save up to 50% more compared to rates paid by drivers with frequent claims.
- ABS Braking Discount – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.
- Discounts for Federal Employees – Having worked for a branch of the government may reduce rates when you quote Buffalo auto insurance depending on your auto insurance provider.
- Organization Discounts – Participating in a qualifying organization may earn a discount on your policy.
Drivers should understand that most credits do not apply to the entire cost. Most only reduce individual premiums such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, auto insurance companies aren’t that generous.
The information below shows the difference between Volkswagen Jetta car insurance costs with and without policy discounts. The premiums assume a male driver, no driving violations, no at-fault accidents, New York state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, homeowner, multi-policy, and marriage discounts applied.
If you would like to choose from a list of companies with discount rates in New York, click here.
Insurance quotes from neighborhood Buffalo auto insurance agents
Many drivers just prefer to have an agent’s advice and we recommend doing that A good thing about comparing insurance online is you may find the lowest rates but still work with a licensed agent. Putting coverage with small agencies is definitely important in Buffalo.
After filling out this form (opens in new window), your information is submitted to local insurance agents in Buffalo that provide free Buffalo auto insurance quotes and help you find cheaper coverage. You don’t have to find an agent on your own since rate quotes are delivered instantly to you. You can find the lowest rates without the usual hassles of price shopping. If you want to quote rates from a specific company, don’t hesitate to navigate to their website and fill out their quote form.
Deciding on an provider should include more criteria than just a cheap quote. These questions are important to ask:
- Is insurance their full-time profession?
- Do you work with a CSR or direct with the agent?
- Is the agent properly licensed in New York?
- Is auto insurance their primary focus in Buffalo?
- Can you choose the body shop in case repairs are needed?
- Is the coverage adequate for your vehicle?
Auto insurance companies ranked
Ending up with the right auto insurance company is difficult considering how many companies sell coverage in New York. The company information in the next section can help you select which companies you want to consider comparing rate quotes with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The General | 96 | 100 | 92 | 91% | A- | 95 |
| Mercury Insurance | 87 | 96 | 100 | 87% | A+ | 93.4 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
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Data Source: Insure.com Best Car Insurance Companies
Auto insurance 101
Learning about specific coverages of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages available from car insurance companies.
Protection from uninsured/underinsured drivers
This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Volkswagen Jetta.
Since many New York drivers only carry the minimum required liability limits (New York limits are 25/50/10), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.
Liability
This coverage will cover damages or injuries you inflict on a person or their property. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/10 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $10,000 of coverage for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage protects against things such as attorney fees, loss of income, bail bonds and court costs. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible. New York requires minimum liability limits of 25/50/10 but it’s recommended drivers buy higher limits.
The illustration below demonstrates why buying the state minimum limits may not be adequate coverage.
Comprehensive (Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like hitting a deer, hail damage and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Collision coverage
This pays for damage to your Jetta resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for claims such as sideswiping another vehicle, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible on your Jetta to save money on collision insurance.
Medical expense insurance
Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like dental work, chiropractic care, hospital visits and funeral costs. They are often used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Compare rates regularly to save
You just read a lot of ways to get a better price on Volkswagen Jetta insurance in Buffalo. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest priced car insurance comes from the least-expected company. Regional companies often have lower rates on specific markets than their larger competitors like Progressive or GEICO.
As you quote Buffalo auto insurance, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, an insured dropped full coverage and discovered at claim time they didn’t purchase enough coverage. Your goal is to buy enough coverage for the lowest cost, but do not sacrifice coverage to save money.
Steps to saving on Volkswagen Jetta insurance in Buffalo
If you want to save money, the best way to get budget auto insurance rates in Buffalo is to regularly compare price quotes from providers in New York.
First, try to learn a little about policy coverages and the things you can control to keep rates down. Many things that increase rates such as traffic violations and a substandard credit score can be controlled by making lifestyle changes or driving safer.
Second, compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes from multiple insurance companies.
Third, compare the new rate quotes to your existing rates and see if there is a cheaper rate. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, notify your agent or company of your intention to cancel your current car insurance policy. Submit payment and a completed application for your new coverage. Immediately upon receiving it, store the certificate of insurance in your glove compartment.
One thing to remember is that you’ll want to make sure you compare the same coverage limits and deductibles on each price quote and to quote with as many different insurance providers as possible. This helps ensure the most accurate price comparison and the best price selection.
Much more information about car insurance in New York can be read at these links:
- Tools for Teen Driving Safety (State Farm)
- Who Has Cheap Car Insurance Quotes for College Students in Buffalo? (FAQ)
- What Insurance is Cheapest for Single Moms in Buffalo? (FAQ)
- Safe Vehicles for Teens (iihs.org)
- Alcohol Impaired Driving FAQ (iihs.org)
- Shopping for a Safe Car (Insurance Information Institute)