Volkswagen Jetta Insurance Rate Quotes in Portland

Sick and tired of scraping nickels together each month for car insurance? You’re in the same situation as most other drivers in Oregon.

Insurance quote for Volkswagen Jetta in PortlandIt’s shocking but most car insurance customers kept their policy with the same company for over three years, and 38% of customers have never compared rates to find cheap insurance. Most drivers in Portland can save hundreds of dollars each year by just shopping around, but they just assume it’s a time-consuming process to shop around. Insurance companies such as State Farm, Allstate, GEICO and Progressive persitently shower you with ads and it is challenging if not impossible to ignore the propaganda and take the time to shop coverage around.

Best Volkswagen Jetta insurance rates in Oregon

The car insurance companies shown below are our best choices to provide price comparisons in Portland, OR. If you want cheap car insurance in Oregon, we recommend you click on several of them to get the lowest price.

Analysis of Volkswagen Jetta rates

The premium table shown next showcases different insurance coverage prices for Volkswagen Jetta models. Knowing how insurance rates are formulated can help customers make decisions on which coverage to buy.

Volkswagen Jetta Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $172 $346 $362 $22 $108 $1,010 $84
Jetta S 2.5 Station Wagon $172 $346 $306 $18 $92 $934 $78
Jetta LE 4-Dr Sedan $172 $346 $362 $22 $108 $1,010 $84
Jetta SE 4-Dr Sedan $194 $408 $362 $22 $108 $1,094 $91
Jetta SE 2.5 Station Wagon $194 $408 $306 $18 $92 $1,018 $85
Jetta 2.0T 4-Dr Sedan $194 $408 $362 $22 $108 $1,094 $91
Jetta SEL 4-Dr Sedan $194 $408 $362 $22 $108 $1,094 $91
Jetta 2.0T Station Wagon $194 $408 $306 $18 $92 $1,018 $85
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium amounts do not factor in zip code location which can alter insurance rates significantly.

Physical damage deductible comparison

One frequently asked question is where should you set your physical damage deductibles. The rates shown below outline the differences in price between high and low deductibles. The first rate comparisons uses a $250 physical damage coverage deductible and the second pricing table uses a $500 deductible.

Volkswagen Jetta insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $246 $416 $320 $18 $96 $1,121 $93
Jetta S 2.5 Station Wagon $246 $416 $272 $16 $82 $1,057 $88
Jetta LE 4-Dr Sedan $246 $416 $320 $18 $96 $1,121 $93
Jetta SE 4-Dr Sedan $278 $490 $320 $18 $96 $1,227 $102
Jetta SE 2.5 Station Wagon $278 $490 $272 $16 $82 $1,163 $97
Jetta 2.0T 4-Dr Sedan $278 $490 $320 $18 $96 $1,227 $102
Jetta SEL 4-Dr Sedan $278 $490 $320 $18 $96 $1,227 $102
Jetta 2.0T Station Wagon $278 $490 $272 $16 $82 $1,163 $97
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Volkswagen Jetta insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $200 $336 $320 $18 $96 $970 $81
Jetta S 2.5 Station Wagon $200 $336 $272 $16 $82 $906 $76
Jetta LE 4-Dr Sedan $200 $336 $320 $18 $96 $970 $81
Jetta SE 4-Dr Sedan $226 $396 $320 $18 $96 $1,056 $88
Jetta SE 2.5 Station Wagon $226 $396 $272 $16 $82 $992 $83
Jetta 2.0T 4-Dr Sedan $226 $396 $320 $18 $96 $1,056 $88
Jetta SEL 4-Dr Sedan $226 $396 $320 $18 $96 $1,056 $88
Jetta 2.0T Station Wagon $226 $396 $272 $16 $82 $992 $83
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium costs do not factor in specific garaging location which can affect premium rates considerably.

Based on this data, using a $250 deductible will cost you roughly $13 more each month or $156 each year than selecting the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally go at least 19 months between claim filings, you would more than likely save some money if you decide on a higher deductible.

Do you qualify for discounts on Volkswagen Jetta insurance in Portland?

Companies that sell car insurance don’t always publicize the complete list of policy discounts very well, so we researched both well-publicized as well as the least known savings tricks you should be using when you buy Portland auto insurance online.Auto insurance discounts

Discounts save money, but please remember that most discounts do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

The illustration below visualizes the comparison of Volkswagen Jetta auto insurance rates with and without discounts applied to the premium. The premiums are based on a male driver, no accidents or driving violations, Oregon 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 safe-driver, claim-free, multi-car, multi-policy, marriage, and homeowner discounts applied.

A few companies that may have these discounts are:

Check with every insurance company what discounts are available to you. A few discounts may not apply in Portland. To see a list of auto insurance companies who offer free Volkswagen Jetta insurance quotes in Portland, click this link.

Informed Consumers Save More

Multiple criteria are used when quoting car insurance. Most are fairly basic like your driving record, although some other factors are not quite as obvious such as your marital status or your commute time.

More stress means more cost – Did you know your occupation can influence how much you pay for car insurance? Jobs such as fire fighters, airline pilots, and stock brokers are shown to have the highest average rates due to intense work situations and lengthy work days. On the flip side, jobs like scientists, athletes and performers get better rates.

Cheaper rates with high comp and collision deductibles – Protection for physical damage, also known as collision and other-than-collision, covers damage that occurs to your Volkswagen. Examples of some claims that would be covered could be a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. The deductibles you choose represent how much money you are required to pay if a claim is determined to be covered. The more expense you have to pay, the less money you will pay for car insurance.

Mature drivers pay less – Mature drivers tend to be more responsible, cost insurance companies less in claims, and usually have better credit. Youthful drivers are known to get distracted easily when at the wheel of a vehicle therefore car insurance rates are much higher.

The next chart assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.

Marriage discount – Getting married actually saves money on your car insurance bill. Having a spouse may mean you are more stable financially and statistics prove married couples file fewer claims.

Only buy what you need – There are quite a few optional add-on coverages that sound like a good idea at the time on your car insurance policy. Coverages for personal injury protection, towing, and additional equipment coverage are examples of these. The coverages may be enticing at first, but your money might be better spent on other coverage so think about removing them and cutting costs.

Do you have enough liability? – The liability coverage on your policy will provide protection if ever you are responsible for damages from an accident. Your policy’s liability insurance provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.

Gender impacts rates – Statistics show that women are safer drivers than men. It does not mean women are BETTER drivers than men. Males and females get in accidents in similar percentages, but guys have accidents that have higher claims. They also receive more major tickets like reckless driving and DUI.

The example below illustrates the comparison of Volkswagen Jetta insurance rates for male and female drivers. The premiums are based on a clean driving record, no at-fault accidents, full coverage, $100 deductibles, single status, and no discounts are taken into consideration.

Volkswagen Jetta insurance loss statistics – Car insurance companies factor in historical loss data to help calculate premium rates. Models that historically have increased claim numbers or amounts will cost more to insure.

The table below illustrates the historical loss data for Volkswagen Jetta vehicles. For each policy coverage, the claim probability for all vehicles, as an average, is equal to 100. Values that are under 100 indicate better than average losses, while values over 100 indicate frequent claims or statistically larger claims.

Volkswagen Jetta Insurance Claim Statistics
Vehicle 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

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

How do I know if I need professional advice?

When quoting and comparing proper insurance coverage, there really is not a one size fits all plan. Your situation is unique.Drive safe and save

These are some specific questions could help you determine if your situation could use an agent’s help.

If you can’t answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.

What if I want to buy from local Portland insurance agencies?

Certain consumers still prefer to talk to an insurance agent and that is recommended in a lot of cases Most agents can point out coverage gaps and help you file claims. A good thing about comparing rates online is you can get cheap car insurance quotes but still work with a licensed agent. Buying from local agents is especially important in Portland.

Find insurance agent in PortlandFor easy comparison, once you complete this quick form, your insurance coverage information is emailed to local insurance agents in Portland that provide free Portland auto insurance quotes for your coverage. There is no need to find an agent as quotes are delivered immediately to your email address. If you want to get a rate quote from a specific company, you would need to search and find their rate quote page and submit a quote form there.

Multiple types of car insurance agents in Portland

If you want to buy car insurance from a reputable insurance agent or broker, it can be helpful to understand the different types of agencies to choose from. Car insurance agencies are considered either independent agents or exclusive agents depending on their employer. Both types can write policy coverage, but it is a good idea to know the differences since it could factor into your agent selection.

Independent Agents (or Brokers)

Independent agencies can quote rates with many companies so they have the ability to put coverage with multiple insurance companies and find you cheaper rates. If prices rise, they simply move your policy to a different company which requires no work on your part. When comparing car insurance prices, it’s a good idea to include a few independent agents so that you can do a thorough price comparison.

Below is a short list of independent insurance agents in Portland that can give you comparison quotes.

4415 NE Sandy Blvd Ste 200Portland, OR 97213(503) 249-7667View Map

510 SW 5th Ave #701Portland, OR 97204(503) 251-2255View Map

7831 SE Stark St #102Portland, OR 97215(503) 256-1448View Map

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Exclusive Car Insurance Agents

Exclusive agents can only place business with one company like Allstate and State Farm. These agents are unable to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive insurance agents are trained well in insurance sales which aids in selling service over price.

The following is a list of exclusive insurance agents in Portland who can help you get price quotes.

7825 SE Foster RdPortland, OR 97206(503) 255-7828View Map

7515 SW Barnes Rd #101Portland, OR 97225(503) 297-3788View Map

1511 SE 122nd AvePortland, OR 97233(503) 255-3490View Map

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Choosing the best car insurance agent requires more thought than just a cheap quote. The answers to these questions are important, too.

After talking to the agent and getting positive responses to any questions you may have in addition to an acceptable price estimate, you may have just found an insurance agent that meets the requirements to service your policy. Just understand that you can always terminate your policy for any reason so don’t assume that you’re stuck with any specific company for the full term.

Don’t give up on cheap rates

Insureds switch companies for a variety of reasons including extreme rates for teen drivers, poor customer service, denial of a claim and unfair underwriting practices. Regardless of your reason, choosing a new company can be less work than you think.

As you restructure your insurance plan, do not buy poor coverage just to save money. In too many instances, an insured cut physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage at the best possible price and still be able to protect your assets.

Lower-priced insurance in Portland can be found both online as well as from independent agents in Portland, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not offer online quoting and usually these small insurance companies provide coverage only through local independent agencies.

How to quote cheaper Volkswagen Jetta insurance in Portland

The recommended way to find cheaper prices for auto insurance rates in Portland is to regularly compare prices from providers who provide car insurance in Oregon. Prices can be compared by completing these steps.

  1. Gain an understanding of how insurance companies determine prices and the factors you can control to prevent expensive coverage. Many rating criteria that increase rates such as getting speeding tickets and an unacceptable credit score can be remedied by being financially responsible and driving safely.
  2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO or Farmers Insurance, while independent agencies can provide price quotes from many different companies.
  3. Compare the price quotes to the price on your current policy to see if a cheaper price is available. If you find a lower rate quote, make sure coverage is continuous and does not lapse.
  4. Provide written notification to your current company to cancel your current coverage and submit a completed application and payment for the new coverage. Once the application is submitted, put the certificate verifying proof of insurance with your vehicle’s registration.

A good tip to remember is that you’ll want to compare identical coverages on each price quote and and to compare as many carriers as you can. This guarantees a level playing field and many rates to choose from.

To learn more, take a look at the resources below: