Insurance rates Volkswagen Jetta in CasperLooking for the cheapest Volkswagen Jetta insurance in Casper? Scraping up a payment for overpriced Volkswagen Jetta insurance in Casper can sap your savings and make it hard to pay other bills. Comparing cost estimates is a smart way to cut your insurance bill.

A recent insurance study discovered that over 70% of consumers have remained with the same insurance company for four years or more, and almost half have never even compared quotes to find lower-cost rates. Most drivers in Casper can cut their rates by approximately 20% a year, but they feel it's too difficult to do a rate comparison. Multiple car insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies and get the best coverage at the lowest cost out there.

The providers in the list below can provide price quotes in Wyoming. If multiple companies are listed, we suggest you compare several of them to get the most affordable price.

Volkswagen Jetta Insurance Rates in Casper, WY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $266 $574 $404 $24 $122 $1,390 $116
Jetta S 2.5 Station Wagon $220 $432 $368 $22 $110 $1,152 $96
Jetta LE 4-Dr Sedan $308 $556 $358 $22 $108 $1,352 $113
Jetta SE 4-Dr Sedan $338 $642 $366 $22 $110 $1,478 $123
Jetta SE 2.5 Station Wagon $334 $742 $396 $24 $118 $1,614 $135
Jetta 2.0T 4-Dr Sedan $386 $806 $484 $28 $144 $1,848 $154
Jetta SEL 4-Dr Sedan $218 $434 $404 $24 $122 $1,202 $100
Jetta 2.0T Station Wagon $300 $642 $320 $18 $96 $1,376 $115
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Wyoming minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease rates greatly.

Comparison of car insurance rates by gender and age in Casper

The chart below illustrates the comparison of Volkswagen Jetta yearly insurance costs for male and female drivers. The premiums are based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, drivers are single, and no discounts are factored in.

Physical damage deductibles

When shopping for car insurance, a common question is the level to set your comp and collision deductibles. The figures shown below determine the premium difference when you select higher and lower deductibles. The first pricing table uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.

Volkswagen Jetta insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $308 $556 $358 $22 $108 $1,377 $115
Jetta S 2.5 Station Wagon $308 $556 $304 $18 $92 $1,303 $109
Jetta LE 4-Dr Sedan $308 $556 $358 $22 $108 $1,377 $115
Jetta SE 4-Dr Sedan $348 $656 $358 $22 $108 $1,517 $126
Jetta SE 2.5 Station Wagon $348 $656 $304 $18 $92 $1,443 $120
Jetta 2.0T 4-Dr Sedan $348 $656 $358 $22 $108 $1,517 $126
Jetta SEL 4-Dr Sedan $348 $656 $358 $22 $108 $1,517 $126
Jetta 2.0T Station Wagon $348 $656 $304 $18 $92 $1,443 $120
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Volkswagen Jetta insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $226 $376 $358 $22 $108 $1,090 $91
Jetta S 2.5 Station Wagon $226 $376 $304 $18 $92 $1,016 $85
Jetta LE 4-Dr Sedan $226 $376 $358 $22 $108 $1,090 $91
Jetta SE 4-Dr Sedan $254 $444 $358 $22 $108 $1,186 $99
Jetta SE 2.5 Station Wagon $254 $444 $304 $18 $92 $1,112 $93
Jetta 2.0T 4-Dr Sedan $254 $444 $358 $22 $108 $1,186 $99
Jetta SEL 4-Dr Sedan $254 $444 $358 $22 $108 $1,186 $99
Jetta 2.0T Station Wagon $254 $444 $304 $18 $92 $1,112 $93
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Wyoming minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rates do not factor in vehicle location which can raise or lower auto insurance rates greatly.

Using the data above, we can ascertain that using a $100 deductible costs roughly $26 more each month or $312 annually than choosing the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you usually have at least 15 months between claim filings, you would probably save some money if you elect the higher deductible. Below is a better example of how you can decide this on your own policy.

Average monthly premium for $100 deductibles: $120
Average monthly premium for $500 deductibles (subtract): - $94
Monthly savings from raising deductible: $26
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

Driving violations and accidents

The information below demonstrates how citations and accidents can raise Volkswagen Jetta insurance costs for different categories of driver ages. The premium estimates are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

Three main reasons to buy auto insurance

Despite the high cost of buying insurance for a Volkswagen Jetta in Casper, paying for auto insurance is a good idea for several reasons.

First, the majority of states have mandatory insurance requirements which means the state requires a specific minimum amount of liability insurance in order to drive the car legally. In Wyoming these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.

Second, if you bought your Volkswagen Jetta with a loan, most lenders will require you to carry insurance to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the lender may insure your Volkswagen at an extremely high rate and force you to pay for the expensive policy.

Third, auto insurance protects both your assets and your car. It will also pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage also pays expenses related to your legal defense if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of having auto insurance more than offset the price you pay, especially with large liability claims. As of last year, the average driver in Wyoming is overpaying more than $865 each year so you should quote your policy with other companies each time the policy renews to save money.

Auto insurance discounts help lower rates for Volkswagen Jetta insurance in Casper

Auto insurance can be pricey, but companies offer discounts that you may not even know about. Some of these discounts will be visible when you purchase, but a few must be inquired about prior to receiving the credit.Auto insurance discounts

You should keep in mind that some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, company stockholders wouldn't be very happy.

A few of the larger companies and a partial list of their discounts are detailed below.

When getting free Casper car insurance quotes, it's a good idea to all companies you are considering which discounts you qualify for. Some of the discounts discussed earlier might not be offered on policies in your area. If you would like to choose from a list of insurers with the best discounts in Wyoming, click here to view.

Which is the best auto insurance?

Always keep in mind that when comparing a policy for your vehicles, there really is not a "best" method to buy coverage. You are unique so this has to be addressed.Drive safe and save These are some specific questions could help you determine if you would benefit from professional advice.

If you can't answer these questions, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It's fast, free and can provide invaluable advice.

Keep this in mind when shopping around

When shopping online for car insurance, do not sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice full coverage and learned later that it was a big error on their part. Your goal should be to buy a smart amount of coverage at the lowest possible cost and still be able to protect your assets.

Cost effective Volkswagen Jetta insurance can be found on the web as well as from independent agents in Casper, and you should be comparing both to have the best rate selection. Some car insurance companies may not provide price quotes online and usually these smaller providers only sell coverage through independent agents.

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