Discount Volkswagen Jetta insuranceWould you like to buy more affordable Volkswagen Jetta insurance in Fort Collins? Are you drained from sacrificing other expenses to insure your Volkswagen every month? You are in the same boat as the majority of other consumers in Colorado.

It's amazing but the vast majority of consumers kept their policy with the same company for a minimum of four years, and approximately 38% of consumers have never compared rate quotes at all. With the average car insurance premium being $1,813, Colorado drivers could save nearly 35% a year, but they don't believe the actual amount they would save if they switched to a cheaper policy. With so many options for buying lower-cost insurance for a Volkswagen Jetta in Fort Collins, it can be diffult for drivers to locate a more affordable insurer.

The cheapest Fort Collins Volkswagen Jetta insurance quotes online

Most larger insurance companies like Allstate, GEICO and Progressive provide prices for coverage on the web. Comparing prices online for Volkswagen Jetta insurance in Fort Collins is fairly simple as you just type in the amount of coverage you want on the page. After you submit the form their rating system collects information on your driving record and credit history and provides a quote based on these factors. Quoting online for Volkswagen Jetta insurance in Fort Collins simplifies rate comparisons, and it is imperative to compare as many rates as possible if you want to find lower-cost rates.

To quickly compare rates using this form now, consider comparing rates from the companies shown below. To compare your current rates, we recommend you type in the coverages identical to your current policy. Doing this assures you will receive a rate comparison based on identical coverages.

The following companies can provide free rate quotes in Colorado. If the list has multiple companies, we suggest you visit two to three different companies to get the cheapest price.

Volkswagen Jetta Insurance Costs in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $168 $288 $352 $20 $106 $934 $78
Jetta S 2.5 Station Wagon $266 $526 $362 $22 $108 $1,284 $107
Jetta LE 4-Dr Sedan $264 $448 $358 $22 $108 $1,200 $100
Jetta SE 4-Dr Sedan $342 $644 $352 $20 $106 $1,464 $122
Jetta SE 2.5 Station Wagon $294 $630 $314 $18 $94 $1,350 $113
Jetta 2.0T 4-Dr Sedan $184 $332 $358 $22 $108 $1,004 $84
Jetta SEL 4-Dr Sedan $388 $644 $460 $28 $138 $1,658 $138
Jetta 2.0T Station Wagon $266 $546 $286 $16 $86 $1,200 $100
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price estimates do not factor in your specific Fort Collins location which can modify price quotes noticeably.

Auto insurance deductibles

The diagram below shows how different deductible levels and can affect Volkswagen Jetta insurance premiums for each age group. The premium estimates are based on a single male driver, comp and collision included, and no discounts are factored in.

Rate comparison for different deductibles

A question often asked by Fort Collins drivers is how high should your deductibles be. The following insurance rates may aid in understanding the costs and benefits when you buy lower versus higher policy deductibles. The first data set uses a $100 deductible for physical damage and the second rate table uses a $500 deductible.

Volkswagen Jetta insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $302 $546 $352 $20 $106 $1,351 $113
Jetta S 2.5 Station Wagon $302 $546 $298 $18 $90 $1,279 $107
Jetta LE 4-Dr Sedan $302 $546 $352 $20 $106 $1,351 $113
Jetta SE 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
Jetta SE 2.5 Station Wagon $342 $644 $298 $18 $90 $1,417 $118
Jetta 2.0T 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
Jetta SEL 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
Jetta 2.0T Station Wagon $342 $644 $298 $18 $90 $1,417 $118
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Volkswagen Jetta insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $220 $368 $352 $20 $106 $1,066 $89
Jetta S 2.5 Station Wagon $220 $368 $298 $18 $90 $994 $83
Jetta LE 4-Dr Sedan $220 $368 $352 $20 $106 $1,066 $89
Jetta SE 4-Dr Sedan $250 $434 $352 $20 $106 $1,162 $97
Jetta SE 2.5 Station Wagon $250 $434 $298 $18 $90 $1,090 $91
Jetta 2.0T 4-Dr Sedan $250 $434 $352 $20 $106 $1,162 $97
Jetta SEL 4-Dr Sedan $250 $434 $352 $20 $106 $1,162 $97
Jetta 2.0T Station Wagon $250 $434 $298 $18 $90 $1,090 $91
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium amounts do not factor in garaging location in Fort Collins which can influence insurance rates considerably.

We can estimate from the data above that using a $100 deductible will cost you about $26 more each month or $312 annually than quoting the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 15 months between claims, you would save more money by selecting a higher deductible.

Volkswagen Jetta insurance rates by gender

The illustration below illustrates the comparison of Volkswagen Jetta car insurance rates for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.

Get cheaper Volkswagen Jetta insurance in Fort Collins with discounts

Some insurers don't always publicize every discount very well, so we break down a few of the more common as well as the least known credits available to lower your premiums when you buy Fort Collins car insurance online.Save money with discounts

It's important to note that most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as liability and collision coverage. Despite the appearance that you could get a free insurance policy, nobody gets a free ride. Any amount of discount will cut your policy premium.

Car insurance companies that may include most of these discounts include:

When getting free Fort Collins car insurance quotes, it's a good idea to every prospective company which discounts you may be entitled to. Some discounts listed above may not be offered in your area. If you would like to choose from a list of insurers that offer discounts in Fort Collins, click here.

Choosing the best vehicle insurance in Colorado is an important decision

Even though it's not necessarily cheap to insure a Volkswagen in Fort Collins, auto insurance serves an important purpose.

First, most states have minimum liability requirements which means you are required to buy a specific minimum amount of liability insurance if you don't want to risk a ticket. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.

Second, if you have a loan on your Jetta, most lenders will force you to buy full coverage to ensure the loan is repaid in case of a total loss. If coverage lapses or is cancelled, the bank will be required to insure your Volkswagen at an extremely high rate and force you to pay a much higher amount than you were paying before.

Third, insurance safeguards both your assets and your Volkswagen Jetta. It will also reimburse you for all forms of medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If mother nature or an accident damages your car, your auto insurance policy will cover the damage repairs after a deductible is paid.

The benefits of having auto insurance definitely exceed the cost, particularly if you ever have a claim. Unknowingly, the average driver overpays more than $869 every year so we recommend shopping around each time the policy renews to make sure the price is not too high.

Exclusive versus independent insurance agents

Some consumers still like to have an agent's advice and there is nothing wrong with that. Agents can answer important questions and will help you if you have claims. One of the benefits of comparing rates online is you may find cheap rate quotes but also keep your business local. And buying from local agents is important especially in Fort Collins.

To find an agent, once you fill out this form (opens in new window), your coverage information gets sent to agents in your area that provide free Fort Collins car insurance quotes for your business. There is no reason to leave your house due to the fact that quote results will go immediately to your email address. If you need to get a price quote from a particular provider, feel free to visit that company's website and submit a quote form there.

If you are searching for an insurance agent, you need to know there are two different types of agents and how they are distinctly different. Insurance agents are considered either independent or exclusive. Either one can insure your vehicles, but it's important to know the subtle differences because it may have an impact on your selection of an agent.

Independent Insurance Agencies or Brokers

Agents in the independent channel are not employed by any specific company and that allows them to write policies through many companies and find you cheaper rates. If premiums increase, your agent can just switch to a different company without you having to go to a different agency. If you are comparing rate quotes, you definitely need to get several quotes from several independent agencies in order to compare the most rates.

Listed below are Fort Collins independent agencies that may be able to provide price quotes.

4033 E Boardwalk Dr # 200 - Fort Collins, CO 80525 - (970) 207-4000 - View Map

4532 Mcmurry Ave Ste 101 - Fort Collins, CO 80525 - (970) 206-0800 - View Map

Colorado - B W Insurance Agency Inc
1075 W Horsetooth Rd # 106 - Fort Collins, CO 80526 - (970) 223-0924 - View Map

View more Fort Collins agents

Exclusive Insurance Agencies

Agents that choose to be exclusive can only quote rates from one company such as Allstate, State Farm and Farmers Insurance. Exclusive agents cannot give you multiple price quotes so you might not find the best rates. Exclusive agents receive a lot of sales training on what they offer which helps offset the inability to provide other markets.

The following are exclusive insurance agents in Fort Collins that can give you comparison quotes.

Ironwood Plaza, 3201 E Mulberry St h - Fort Collins, CO 80524 - (970) 224-5757 - View Map

1606 S Lemay Ave #107 - Fort Collins, CO 80525 - (970) 223-0808 - View Map

5125 S College Ave b - Fort Collins, CO 80525 - (970) 204-0020 - View Map

View more Fort Collins agents

Finding the right insurance agent is decision based upon more than just the price. These questions are important to ask:

Once you have received positive feedback to all your questions and low cost Volkswagen Jetta insurance quotes, you may have just found an insurance agent that is a good match to service your policy.