How many years has it been since you compared the cheapest Volkswagen Jetta insurance in Columbia? No one looks forward to paying for car insurance, especially when they are paying too much.

Discount Volkswagen Jetta insuranceA recent car insurance study discovered that about 70% of customers kept their coverage with the same car insurance company for more than four years, and nearly half have never quoted car insurance rates at all. Consumers in Columbia could save almost $700 a year by just comparing quotes, but they just don't want to compare rates.

Numerous car insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the best rates possible on Volkswagen Jetta insurance in Columbia.

Consumers should take time to compare rates once or twice a year since prices are adjusted regularly by insurance companies. If you had the best price on Volkswagen Jetta insurance in Columbia six months ago there may be better deals available now. Forget all the misinformation about car insurance because I'm going to let you in on the secrets to the proper way to buy cheaper Volkswagen Jetta insurance in Columbia.

Don't neglect these ten money saving discounts

Car insurance companies don't always advertise all possible discounts very clearly, so we took the time to find both the well known in addition to some of the lesser obvious credits available to bring down your rates.

One last thing about discounts, some of the credits will not apply to the whole policy. A few only apply to individual premiums such as collision or personal injury protection. So even though you would think you could get a free car insurance policy, car insurance companies aren't that generous.

The best car insurance companies and a selection of discounts include:

Before buying, ask all the companies which discounts you qualify for. Some of the discounts discussed earlier may not apply to policyholders in your state. To find providers that offer many of these discounts in South Carolina, follow this link.

When comparison shopping, there are several ways to compare prices from lots of South Carolina auto insurance companies. The best way to lower the rate you pay for Volkswagen Jetta insurance is to perform an online rate comparison.

Doing online rate quotes comparisons is so easy that it makes it a waste of time to drive around to insurance agencies in your area. The internet has made agencies unnecessary unless you're the type of person who wants the advice and guidance that you can only get from talking to an agent. If you prefer, some companies allow you to price shop online but buy the policy through an agent. Just keep in mind that obtaining a wide range of quotes helps increase your odds of locating better pricing. Some companies don't provide online Columbia Jetta insurance quotes, so it's important to compare price quotes from them, too.

The companies shown below are our best choices to provide free rate quotes in Columbia, SC. If multiple providers are shown, it's highly recommended you get rates from several of them in order to find the most affordable rates.

Volkswagen Jetta Insurance Cost Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $156 $316 $444 $26 $132 $1,074 $90
Jetta S 2.5 Station Wagon $264 $444 $290 $18 $86 $1,102 $92
Jetta LE 4-Dr Sedan $282 $600 $444 $26 $132 $1,484 $124
Jetta SE 4-Dr Sedan $332 $624 $342 $20 $102 $1,420 $118
Jetta SE 2.5 Station Wagon $232 $446 $278 $16 $84 $1,056 $88
Jetta 2.0T 4-Dr Sedan $324 $718 $412 $24 $124 $1,602 $134
Jetta SEL 4-Dr Sedan $158 $322 $358 $22 $108 $968 $81
Jetta 2.0T Station Wagon $178 $322 $296 $18 $88 $902 $75
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Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Premium amounts do not factor in zip code location which can raise or lower prices considerably.

Comparison of full coverage and liability-only policies

The illustration below illustrates the comparison of Volkswagen Jetta yearly insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no accidents or driving violations, $100 deductibles, single male driver, and no policy discounts are applied.

When to drop comp and collision

There isn't a written rule to exclude comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let's say your Volkswagen Jetta replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $4,000 after the policy deductible has been paid. If premium cost is more than $400 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are a few cases where only buying liability is not financially feasible. If you haven't satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.

Raise deductibles and save

The information below illustrates how choosing a deductible and can increase or decrease Volkswagen Jetta annual premium costs for different age groups. The rate quotes are based on a single female driver, full physical damage coverage, and no discounts are factored in.

Physical damage deductibles

When buying auto insurance, a common question is how high should the physical damage coverage deductibles be. The following tables may help to conceptualize the costs and benefits between high and low physical damage coverage deductibles. The first pricing table uses a $100 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Volkswagen Jetta insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $294 $530 $342 $20 $102 $1,313 $109
Jetta S 2.5 Station Wagon $294 $530 $290 $18 $86 $1,243 $104
Jetta LE 4-Dr Sedan $294 $530 $342 $20 $102 $1,313 $109
Jetta SE 4-Dr Sedan $332 $624 $342 $20 $102 $1,445 $120
Jetta SE 2.5 Station Wagon $332 $624 $290 $18 $86 $1,375 $115
Jetta 2.0T 4-Dr Sedan $332 $624 $342 $20 $102 $1,445 $120
Jetta SEL 4-Dr Sedan $332 $624 $342 $20 $102 $1,445 $120
Jetta 2.0T Station Wagon $332 $624 $290 $18 $86 $1,375 $115
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Volkswagen Jetta insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $162 $280 $342 $20 $102 $906 $76
Jetta S 2.5 Station Wagon $162 $280 $290 $18 $86 $836 $70
Jetta LE 4-Dr Sedan $162 $280 $342 $20 $102 $906 $76
Jetta SE 4-Dr Sedan $184 $330 $342 $20 $102 $978 $82
Jetta SE 2.5 Station Wagon $184 $330 $290 $18 $86 $908 $76
Jetta 2.0T 4-Dr Sedan $184 $330 $342 $20 $102 $978 $82
Jetta SEL 4-Dr Sedan $184 $330 $342 $20 $102 $978 $82
Jetta 2.0T Station Wagon $184 $330 $290 $18 $86 $908 $76
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Table data does not factor in specific zip code location which can change coverage rates significantly.

We can derive from the above data that using a $100 deductible will cost you about $36 more each month or $432 each year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 25 months between claim filings, you would save money by going with a higher deductible. Below is an example of how we made this calculation.

Average monthly premium for $100 deductibles: $114
Average monthly premium for $1,000 deductibles (subtract): - $78
Monthly savings from raising deductible: $36
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

What if I want to buy from local Columbia auto insurance agents?

Some people still prefer to sit down with an agent and often times that is recommended One of the great benefits of comparing rate quotes online is you can get lower rates and still have a local agent. Buying from local agencies is definitely important in Columbia.

After completing this quick form, your insurance data is sent to companies in Columbia that give free quotes to get your business. You won't even need to drive around due to the fact that quote results will go straight to your inbox. It's the lowest rates AND an agent nearby. In the event you want to quote rates for a specific company, just visit that company's website to submit a rate quote request.

Two types of car insurance agents

When narrowing the list to find a local Columbia insurance agent, it's important to understand the types of insurance agents and how they are slightly different. Columbia agents can be described as either exclusive or independent.

Independent Agents

Independent agencies do not have single company limitations so they can quote policies with multiple insurance companies and help determine which has the cheapest rates. If they find a lower price, the agent simply finds a different carrier which requires no work on your part. When shopping rates, we recommend you contact multiple independent agents to get the best comparison.

Featured below are independent insurance agencies in Columbia who may provide free rate quotes.

2718 Middleburg Dr - Columbia, SC 29204 - (803) 779-7666 - View Map

1700 Laurel St - Columbia, SC 29201 - (803) 799-9979 - View Map

9300 Two Notch Rd - Columbia, SC 29223 - (803) 400-1911 - View Map

View more Columbia agents

Exclusive Auto Insurance Agents

Exclusive agents work for only one company like Farmers Insurance, Allstate, or State Farm. These agents are not able to provide rate quotes from other companies so if the price isn't competitive there isn't much they can do. Exclusive agents are trained well on what they offer which helps them sell insurance even at higher premiums.

Shown below are Columbia exclusive insurance agents willing to provide price quote information.

132 Harbison Blvd #100 - Columbia, SC 29212 - (803) 749-1279 - View Map

1920 Bull St c - Columbia, SC 29201 - (803) 779-6650 - View Map

4015 Forest Dr #104 - Columbia, SC 29204 - (803) 782-6400 - View Map

View more Columbia agents

Picking an insurance agent requires more thought than just a cheap price quote. These are some questions your agent should answer.

Once you have received answers to your satisfaction for all questions you ask and a low price estimate, you've probably found an insurance agent that is reputable and can insure your vehicles.

Best reasons to buy car insurance in South Carolina

Even though it can be expensive, buying car insurance may be required and benefits you in several ways.

The benefits of carrying adequate insurance are without a doubt worth the cost, especially for larger claims. According to a recent study, the average American driver is overpaying more than $865 each year so we recommend shopping around at least once a year to make sure the price is not too high.

Coverages available on your policy

Understanding the coverages of car insurance can be of help when determining which coverages you need for your vehicles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages found on most car insurance policies.

Uninsured or underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Volkswagen Jetta.

Because many people have only the minimum liability required by law (25/50/25), their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Auto liability insurance - This coverage protects you from damages or injuries you inflict on other people or property in an accident. This coverage protects you against other people's claims. Liability doesn't cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things like legal defense fees, structural damage, court costs, bail bonds and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford. South Carolina state law requires minimum liability limits of 25/50/25 but you should think about purchasing more coverage.

Medical expense coverage - Med pay and PIP coverage pay for bills like doctor visits, ambulance fees, hospital visits, chiropractic care and X-ray expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive protection - This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, damage from getting keyed and a tree branch falling on your vehicle. The most your car insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Collision - Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a parking meter, damaging your car on a curb, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to raise the deductible on your Jetta to save money on collision insurance.

Shop around and save

You just read many ways to get a better price on Volkswagen Jetta insurance in Columbia. It's most important to understand that the more price quotes you have, the better your comparison will be. Consumers may even find the biggest savings come from a lesser-known regional company. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Progressive or GEICO.

Cheaper Volkswagen Jetta insurance in Columbia can be purchased on the web and also from your neighborhood Columbia agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers may not have online price quotes and most of the time these regional carriers only sell coverage through independent agencies.

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