Volkswagen Jetta Insurance Rates in Kansas City

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Discount Volkswagen Jetta insuranceHow long has it been since you compared the cheapest Volkswagen Jetta insurance in Kansas City? Finding the cheapest insurance for a Volkswagen Jetta in Missouri can turn out to be an all-consuming task, but you can follow our car insurance buying tips and make it easy. There is a right way and a wrong way to buy car insurance and we'll show you the best way to price shop coverage for your Volkswagen and obtain the best price possible.

It's important to quote other rates before your policy renews because car insurance rates go up and down regularly. Despite the fact that you may have had the best premium rates on Volkswagen Jetta insurance in Kansas City on your last policy the chances are good that you can find a lower price today. You'll find quite a bit of inaccurate information about Jetta insurance online, but I'm going to show you a bunch of ideas how to lower your car insurance rates in Kansas City.

The following companies offer price comparisons in Missouri. If multiple companies are listed, we recommend you visit several of them to get a more complete price comparison.

Auto insurance discounts are available to get cheap rates

Companies offering auto insurance do not list the complete list of policy discounts in a way that's easy to find, so here is a list both well-publicized in addition to some of the lesser obvious credits that may apply to you.Cheaper auto insurance with discounts

  • Telematics Discount - Policyholders that allow their company to analyze where and when they drive by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate's Drivewise system might see lower rates if their driving habits are good.
  • Active Service Discounts - Being on active deployment in the military could qualify you for better premium rates.
  • Distant College Student Discount - Any of your kids who are attending college and won't have access to an insured vehicle may be able to be covered for less.
  • Air Bags and Passive Restraints - Vehicles with factory air bags can qualify for discounts of 25 to 30%.
  • Life Insurance Discount - Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase some life insurance in addition to your auto policy.
  • Save with a New Car - Adding a new car to your policy can save you some money because newer vehicles keep occupants safer.
  • Use Seat Belts - Forcing all vehicle occupants to buckle their seat belts can save a little on the medical payments or PIP coverage costs.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like liability and collision coverage. So even though you would think all the discounts add up to a free policy, it doesn't quite work that way.

The example below shows the difference between Volkswagen Jetta insurance costs with and without discounts applied to the policy premium. The information is based on a male driver, no violations or accidents, Missouri state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, multi-policy, homeowner, and claim-free discounts applied.

The best auto insurance companies and some of the discounts can be read below.

  • State Farm has savings for driver's education, multiple autos, defensive driving training, good driver, passive restraint, and anti-theft.
  • American Family may include discounts for good student, air bags, TimeAway discount, mySafetyValet, and multi-vehicle.
  • AAA may have discounts that include good driver, multi-car, multi-policy, AAA membership discount, pay-in-full, and education and occupation.
  • GEICO offers premium reductions for driver training, daytime running lights, emergency military deployment, military active duty, anti-theft, and federal employee.
  • Mercury Insurance offers discounts including good driver, type of vehicle, good student, location of vehicle, and multi-policy.
  • Farmers Insurance includes discounts for mature driver, switch companies, alternative fuel, early shopping, multi-car, and business and professional.
  • Progressive has discounts for continuous coverage, online quote discount, good student, multi-vehicle, homeowner, and online signing.

Double check with each insurance company what discounts are available to you. Some of the discounts discussed earlier may not apply in your state. For a list of providers that offer discounts in Missouri, click this link.

Volkswagen Jetta detailed coverage information

The premium information below highlights a range of insurance premium costs for Volkswagen Jetta models. Having a good grasp of how prices are established can help guide drivers when making informed decisions.

Volkswagen Jetta Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $116 $200 $274 $16 $82 $688 $57
Jetta S 2.5 Station Wagon $116 $200 $234 $14 $70 $634 $53
Jetta LE 4-Dr Sedan $116 $200 $274 $16 $82 $688 $57
Jetta SE 4-Dr Sedan $130 $236 $274 $16 $82 $738 $62
Jetta SE 2.5 Station Wagon $130 $236 $234 $14 $70 $684 $57
Jetta 2.0T 4-Dr Sedan $130 $236 $274 $16 $82 $738 $62
Jetta SEL 4-Dr Sedan $130 $236 $274 $16 $82 $738 $62
Jetta 2.0T Station Wagon $130 $236 $234 $14 $70 $684 $57
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price information does not factor in Kansas City location which can increase or decrease coverage prices noticeably.

Deductible comparison

One of the most common car insurance questions is which deductibles should you choose. The comparisons below can help you understand how much more rates are of buying low and high comp and collision deductibles. The first pricing table uses a $250 deductible and the second set of prices uses a $1,000 deductible.

Volkswagen Jetta insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $206 $346 $266 $16 $80 $939 $78
Jetta S 2.5 Station Wagon $206 $346 $226 $14 $68 $885 $74
Jetta LE 4-Dr Sedan $206 $346 $266 $16 $80 $939 $78
Jetta SE 4-Dr Sedan $232 $408 $266 $16 $80 $1,027 $86
Jetta SE 2.5 Station Wagon $232 $408 $226 $14 $68 $973 $81
Jetta 2.0T 4-Dr Sedan $232 $408 $266 $16 $80 $1,027 $86
Jetta SEL 4-Dr Sedan $232 $408 $266 $16 $80 $1,027 $86
Jetta 2.0T Station Wagon $232 $408 $226 $14 $68 $973 $81
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Volkswagen Jetta insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $128 $218 $266 $16 $80 $708 $59
Jetta S 2.5 Station Wagon $128 $218 $226 $14 $68 $654 $55
Jetta LE 4-Dr Sedan $128 $218 $266 $16 $80 $708 $59
Jetta SE 4-Dr Sedan $144 $258 $266 $16 $80 $764 $64
Jetta SE 2.5 Station Wagon $144 $258 $226 $14 $68 $710 $59
Jetta 2.0T 4-Dr Sedan $144 $258 $266 $16 $80 $764 $64
Jetta SEL 4-Dr Sedan $144 $258 $266 $16 $80 $764 $64
Jetta 2.0T Station Wagon $144 $258 $226 $14 $68 $710 $59
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium costs do not factor in garaging location in Kansas City which can influence auto insurance rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $21 more each month or $252 annually than quoting the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 36 months between claim filings, you would most likely save money going with the higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $81
Average monthly premium for $1,000 deductibles (subtract): - $60
Monthly savings from raising deductible: $21
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 36 months

One important issue to know is that raising deductibles to get cheaper rates results in more money out-of-pocket when you do file a claim. That will necessitate some non-essential savings in order to pay the deductible to have repairs made.

The information below highlights how deductible choice and can increase or decrease Volkswagen Jetta insurance premiums for each different age group. The information is based on a single male driver, full physical damage coverage, and no discounts are factored in.

Men versus women drivers and insurance cost

The information below shows the difference between Volkswagen Jetta car insurance rates for male and female drivers. The premium estimates are based on no accidents or driving violations, comp and collision included, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

Learn How to Lower Your Insurance Premiums

When buying car insurance it's important to understand some of the factors that help determine your premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that will entitle you to lower car insurance prices. Lots of factors are considered when quoting car insurance. A few of the factors are predictable such as your driving history, but other criteria are not as apparent like your continuous coverage and annual miles driven.

Drive fewer miles and save - The more you drive your Volkswagen in a year's time the more you'll pay to insure your vehicle. The majority of insurers apply a rate based on their usage. Cars and trucks used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. A policy that improperly rates your Jetta is throwing money out the window. Ask your agent if your car insurance declarations sheet properly reflects the correct usage.

How credit score affects car insurance costs - Your credit score is a large factor in determining premium rates. Insureds that have high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit scores. If your credit history is lower than you'd like, you could potentially save money when insuring your Volkswagen Jetta by spending a little time repairing your credit.

Having a spouse brings a discount - Having a significant other can get you a discount on car insurance. Having a spouse demonstrates that you tend to be more stable financially and insurance companies reward insureds because married drivers tend to have fewer serious accidents.

Don't abuse policy claims - If you're an insured who likes to file claims you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance companies in Missouri give cheaper rates to policyholders who file claims infrequently. Your insurance policy is intended to be relied upon for the large, substantial claims.

Cars with good safety ratings lower rates - Cars with high safety ratings cost less to insure. Vehicles built for safety reduce occupant injuries and better occupant protection translates into fewer and smaller insurance claims which can result in lower premiums.

Your career may increase premiums - Careers like real estate brokers, executives, and stock brokers tend to have the highest average rates attributed to intense work situations and long work hours. Other occupations such as scientists, historians and homemakers pay the least.

Volkswagen Jetta insurance loss probability - Car insurance companies use historical loss data to help set a rate to offset losses. Models that have higher loss trends will have a higher premium rate. The next table illustrates the historical insurance loss data for Volkswagen Jetta vehicles.

For each insurance policy coverage type, the claim amount for all vehicles as a whole is represented as 100. Values under 100 are indicative of better than average losses, while values over 100 indicate frequent claims or an increased likelihood of larger losses.

Volkswagen Jetta Insurance Loss Statistics
Specific Volkswagen 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 for 2013-2015 Model Years