I really doubt anyone likes buying car insurance, especially when they are aware that their premiums are through the roof. Because you have many insurance companies to choose from, it is hard for the average consumer to pick the lowest cost car insurance company.
It’s smart to price shop coverage on a regular basis since rates change frequently. Even if you think you had the lowest rate on Jetta coverage last year the chances are good that you can find a lower price today. Forget all the misinformation about car insurance because you’re about to find out the fastest way to properly buy coverages while reducing your premium.
Shopping for the cheapest coverage in San Antonio is simple if you know the tricks. Basically, every vehicle owner who buys car insurance will most likely be able to find better rates. Although Texas drivers must comprehend the methods companies use to price online insurance.
Car insurance quotes comparison
Most companies such as State Farm, GEICO and Progressive allow consumers to get prices online. Obtaining pricing is quite simple as you just enter the coverages you want as requested by the quote form. When the form is submitted, their rating system automatically retrieves your driving record and credit report and quotes a price. Being able to quote online helps simplify price comparisons, but the process of having to visit many different websites and enter the same data into a form is not the best way to spend an afternoon. But it’s absolutely necessary to get many rate quotes if you want to find a better rate.
There is a better way!
The easiest way to find better car insurance pricing uses one form that gets price quotes from more than one company. It’s a real time-saver, eliminates form submissions, and makes quoting online a little more enjoyable. As soon as the form is sent, it gets priced and you are able to buy any or none of the price quotes you receive.
If you find a better price you can click and sign and buy the policy. The whole process can be completed in less than 10 minutes and you’ll know if lower rates are available.
To find out how much you can save on car insurance, simply click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you enter coverages and limits identical to your current policy. This way, you will have an apples-to-apples comparison for similar coverage.
These discounts can slash car insurance rates
Companies don’t always list all possible discounts in an easy-to-find place, so the list below gives a summary of a few of the more common in addition to some of the lesser obvious discounts that you may qualify for.
- Mature Driver Discount – If you’re over the age of 55, you can possibly qualify for better car insurance rates on Jetta coverage.
- Low Mileage Discounts – Low mileage vehicles can qualify you for lower premium rates due to less chance of an accident.
- New Vehicle Savings – Adding a new car to your policy can save you some money because new model year vehicles are generally safer.
- Early Renewal Discounts – A few larger companies allow discounts for signing up prior to your current policy expiring. This can save 10% or more.
- Anti-lock Brake System – Anti-lock brake equipped vehicles are much safer to drive and earn discounts up to 10%.
- Drivers Education – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in high school.
- Early Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you can avoid monthly service charges.
- Online Discount – A few companies will give you a small discount over the internet.
- No Claims – Good drivers with no accidents pay much less compared to drivers who are more careless.
- College Student – Children who live away from home to go to college without a vehicle on campus may be able to be covered for less.
Consumers should know that most discount credits are not given to the entire cost. Some only reduce specific coverage prices like comp or med pay. Despite the fact that it seems like you could get a free car insurance policy, it just doesn’t work that way.
A list of car insurance companies and a partial list of their discounts can be found below.
- Esurance offers discounts for renters, safety device, Pac-12 alumni, multi-car, Switch & Save, and online quote.
- The Hartford offers discounts including anti-theft, driver training, bundle, vehicle fuel type, and air bag.
- AAA may have discounts that include education and occupation, multi-car, anti-theft, good driver, and good student.
- GEICO has discounts for multi-policy, federal employee, defensive driver, seat belt use, multi-vehicle, anti-theft, and driver training.
- State Farm has savings for multiple policy, multiple autos, Drive Safe & Save, Steer Clear safe driver discount, and anti-theft.
Check with every prospective company what discounts are available to you. Some of the discounts discussed earlier might not be available to policyholders in San Antonio. 
Informed Drivers Know How to Find Car Insurance More Affordably
Lots of factors are used when you get your auto insurance bill. Some are obvious such as your driving history, although others are more transparent such as your marital status or your vehicle rating. Consumers need to have an understanding of some of the things that help calculate your car insurance rates. If you have some idea of what determines premiums, this allows you to make good choices that could help you find better car insurance rates.
Shown below are a partial list of the pieces used by companies to determine your rate level.
- When should you file a insurance claims? – If you file a lot of claims you can expect increased rates or even have your policy non-renewed. Auto insurance companies in Texas generally give cheaper rates to drivers who do not rely on their insurance for small claims. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
- Insurance rates are higher for high performance vehicles – The performance level of the car you are trying to find cheaper insurance for makes a significant difference in how high your rates are. Since the Volkswagen Jetta falls in the compact car class, insuring your vehicle will cost the same to a little lower when compared to the average rates in San Antonio. Low performance passenger vehicles generally receive the lowest base rates, but the cost you end up paying is determined by many additional factors.
- Liability protection preserves assets – The liability section of your policy provides coverage when you are responsible for an accident. This coverage provides legal defense coverage which can be incredibly expensive. It is affordable coverage compared to other policy coverages, so buy as much as you can afford.
- Physical damage deductibles – Your deductibles are the amount of money you are willing to pay if a covered claim is submitted. Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply are rearending another vehicle, hail damage, and damage caused by road hazards. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance on Jetta coverage.
- Battle of the sexes – Statistics demonstrate that women are safer drivers than men. This data doesn’t prove that men are WORSE drivers than women. Both genders tend to get into fender benders at about the same rate, but males tend to have more serious accidents. In addition to higher claims, males also receive more costly citations like DUI and reckless driving.
- Annual miles is a factor – The more you drive each year the higher the price you pay to insure it. Most insurance companies charge rates based on how the vehicle is used. Autos that sit idle most of the time receive lower rates than vehicles that have high annual mileage. A policy that improperly rates your Jetta can cost quite a bit. Make sure your policy correctly shows the correct usage for each vehicle.
- Premiums increase with driving tickets – Drivers with clean records get better prices compared to bad drivers. Having just one ticket can bump up the cost forty percent or more. Drivers who have gotten license-revoking citations like hit and run, DWI or reckless driving convictions may be required to maintain a SR-22 with their state’s department of motor vehicles in order to prevent a license revocation.
Get rate quotes but buy from a neighborhood San Antonio auto insurance agent
Some consumers just prefer to visit with an insurance agent and often times that is recommended An additional benefit of getting free rate quotes online is you may find lower rates and still buy from a local agent. Putting coverage with local agents is especially important in San Antonio.
To find an agent, once you fill out this quick form, your information is immediately sent to insurance agents in San Antonio who will gladly provide quotes and help you find cheaper coverage. You never need to leave your computer because quoted prices will be sent to your email. You can get cheaper car insurance rates and a licensed agent to talk to. If you need to quote rates for a specific company, feel free to visit that company’s website and submit a quote form there.
Different types of San Antonio car insurance agents
If you are searching for local San Antonio agents, it’s helpful to know the different types of agencies and how they can write your policy. Car insurance agents are either captive or independent (non-captive).
Independent Car Insurance Agencies
Independent insurance agents can sell policies from many different companies so they can quote policies with a variety of different insurance companies and find you cheaper rates. If they quote lower rates, the agent simply finds a different carrier without you having to go to a different agency. If you are comparing rate quotes, we recommend you contact multiple independent agents in order to compare the most rates.
Captive Car Insurance Agencies
Agents that elect to be captive can only write with one company like American Family, State Farm, and AAA. They usually cannot shop your coverage around so they have to upsell other benefits. These agents receive a lot of sales training on sales techniques which helps overcome the inability to quote other rates.
Finding the right insurance agency should include more criteria than just a cheap price quote. These questions are important to ask:
- Are they able to influence company decisions when a claim is filed?
- Do the companies they represent have a solid financial rating?
- Did they already check your driving record and credit reports?
- Are they paid to recommend certain coverages?
- Can glass repairs be made at your home?
- Can they provide you with a list of referrals?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they reduce claim amounts on high mileage vehicles?
After getting good feedback to these questions and an acceptable price quote, it’s possible that you found an auto insurance agent that meets the requirements to properly service your car insurance policy.
Additional information is available on the . Click here for link. Texas consumers can read industry bulletins, find out which companies have the most complaints, read enforcement actions against agents and companies, and find out industry alerts.
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Beware of misleading car insurance ads
State Farm, GEICO and Progressive constantly bombard you with television and radio advertisements. They all convey the message that drivers can save some big amount if you change to them. But how can every company charge you less for auto insurance? This is the trick they use.
Insurance providers have underwriting criteria for the type of driver that makes them money. An example of this type of driver could be between 30 and 50, insures multiple vehicles, and the vehicle is rated for pleasure use. A customer getting a price quote who matches those parameters will most likely get cheap rates as well as save money with a new company.
People who do not meet this stringent profile may receive higher prices and this can result in the customer not purchasing. If you pay close attention to the ads, they say “customers that switch” but not “all drivers who get quotes” save that kind of money. That’s the way insurance companies can make claims that they all have the best rates.
This illustrates why you absolutely need to compare as many as you can. It’s not possible to predict with any certainty which company will fit your personal profile best.
A little work can save a LOT of money
When shopping online for car insurance, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy the best coverage you can find at the best possible price and still be able to protect your assets.
We just presented quite a bit of information on how to shop for Volkswagen Jetta insurance online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your prices. Consumers may even find the lowest premium rates come from a smaller regional carrier. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.