Compare Volkswagen Jetta Insurance Rate Quotes in Denver

Insurance for Volkswagen JettaI can’t think of anyone who rejoices having to buy auto insurance, especially knowing they are paying too much.

Unthinkable but true, most auto insurance customers have bought auto insurance from the same company for a minimum of four years, and virtually 40% of consumers have never even shopped around for cheap coverage. Drivers in Denver could save roughly $600 each year by just comparing quotes, but they feel it’s too difficult to compare rates. Companies like Progressive, GEICO and Farmers Insurance increase brand awareness with advertising and it is difficult to see through the deception and effectively compare rates to find the best deal.

If you have insurance now or need a new policy, use these cost-cutting techniques to reduce premiums without reducing coverage. Locating the best insurance company for you in Denver is actually very simple if you learn how to start. Comparison shoppers only need an understanding of the most effective way to buy insurance from many different companies online.

How to find affordable Volkswagen Jetta insurance in Denver, Colorado

Finding low cost Denver insurance quotes is an easy way to save money. You just have to invest a little time to compare rates online with multiple companies.

Doing price comparisons online is so simple that it replaces the need to drive to each insurance agency near you. The internet can eliminate the need for a local agent unless you have a need for the trained guidance of a licensed agent. It is possible with some companies comparison shop online and get advice from an agent in your area.

The providers in the list below offer price quotes in Colorado. If multiple companies are shown, it’s a good idea that you visit as many as you can to get the best price comparison.

Volkswagen Jetta Insurance Costs in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $130 $244 $338 $20 $100 $832 $69
Jetta S 2.5 Station Wagon $144 $282 $314 $18 $94 $852 $71
Jetta LE 4-Dr Sedan $144 $282 $396 $24 $118 $964 $80
Jetta SE 4-Dr Sedan $378 $792 $474 $28 $142 $1,814 $151
Jetta SE 2.5 Station Wagon $148 $288 $286 $16 $86 $824 $69
Jetta 2.0T 4-Dr Sedan $162 $332 $368 $22 $110 $994 $83
Jetta SEL 4-Dr Sedan $294 $630 $368 $22 $110 $1,424 $119
Jetta 2.0T Station Wagon $172 $312 $308 $18 $92 $902 $75
Get Your Own Custom Quote Go

Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Information does not factor in specific garaging location which can change coverage prices greatly.

How high should deductibles be?

One of the more difficult decisions when buying car insurance is where should you set your physical damage deductibles. The following insurance rates outline how much more rates are between high and low physical damage coverage deductibles. The first data set uses a $100 deductible for comp and collision and the second price table uses a $500 deductible.

Volkswagen Jetta insurance rates 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
Get Your Own Custom Quote Go

Volkswagen Jetta insurance rates 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
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Price information does not factor in garaging location in Denver which can revise premiums greatly.

Based on the above data, using a $100 deductible costs approximately $26 more each month or $312 for a full year than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally average more than 15 months between claims, you would probably be better off if you choose a higher deductible.

Why you need quality insurance for your vehicle

Despite the high cost of buying insurance for a Volkswagen Jetta in Denver, insurance serves a purpose in several ways.

The benefits of insuring your Jetta definitely exceed the price paid, especially with large liability claims. Today the average American driver is overpaying more than $869 every year so compare rate quotes at least once a year to ensure rates are inline.

Insurance discounts help lower rates for Volkswagen Jetta insurance in Denver

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts to help offset the cost. A few discounts will be applied at the time you complete a quote, but a few must be inquired about prior to receiving the credit.Cheaper insurance with discounts

While discounts sound great, it’s important to understand that some of the credits will not apply to the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that all those discounts means the company will pay you, you’re out of luck.

A list of companies and a summarized list of policyholder discounts are included below.

Before buying, ask every company which discounts you may be entitled to. Savings may not apply to policies in your area.

Different people need different auto insurance coverages

Always remember that when buying proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different.Drive safe and save

These are some specific questions can help discover whether your personal situation will benefit from professional help.

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Compare rates but work with a local Denver insurance agency

A lot of people just prefer to sit down and talk to an agent and doing so can bring peace of mind Good agents can help you build your policy and help file insurance claims. A nice benefit of comparing insurance prices online is the fact that you can find the lowest rates and still have an agent to talk to.

Insurance agency in DenverTo make it easy to find an agent, after completing this quick form, the coverage information gets sent to participating agents in Denver who will give you bids to get your business. You never need to do any legwork since rate quotes are delivered to you instantly. If you want to quote rates from a specific insurance company, you just need to find their quoting web page and fill out the quote form the provide.

Selecting an insurer requires you to look at more than just the premium amount. You should also get answers to these questions.

If you would like to find a local agent, there are a couple of different types of agents and how they differ in how they can insure your vehicles. Denver agents are either independent agents or exclusive agents depending on their employer. Either one can provide car insurance policies, but it’s important to know how they differ because it can impact your selection of an agent.

Exclusive Insurance Agencies

Agents that choose to be exclusive can only quote rates from one company and examples are American Family, State Farm, and AAA. Exclusive agents are unable to provide other company’s prices so keep that in mind. These agents are usually quite knowledgeable on their company’s products which helps them sell on service rather than price.

The following are exclusive agents in Denver that can give you price quotes.

4110 8th AveDenver, CO 80220(303) 388-4949View Map

3525 S Tamarac Dr #160Denver, CO 80237(303) 779-4848View Map

2955 Inca St #1bDenver, CO 80202(303) 825-7909View Map

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Independent Insurance Agents

Independent agencies often have affiliation with several companies and that allows them to write policies through many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move your policy to a different company which is easy for the insured. When comparing rate quotes, you absolutely need to get insurance quotes from several independent agencies so that you have a good selection of quotes to compare.

The following are Denver independent agencies who can help you get comparison quotes.

1834 S Sheridan BlvdDenver, CO 80232(303) 936-7233View Map

Gonzalez Insurance Agency
6450 E Colfax AveDenver, CO 80220(303) 320-4901View Map

44 Cook St #100Denver, CO 80206(303) 650-0060View Map

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Insurance coverages 101

Having a good grasp of insurance aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Coverage for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for doctor visits, ambulance fees, rehabilitation expenses, X-ray expenses and hospital visits. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible


Liability coverage provides protection from damage or injury you incur to a person or their property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/15 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $15,000 paid for damaged property.

Liability coverage protects against things such as bail bonds, funeral expenses, legal defense fees, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible. Colorado state law requires minimum liability limits of 25/50/15 but drivers should carry better liability coverage.

Uninsured and underinsured coverage

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many Colorado drivers only purchase the least amount of liability that is required (25/50/15 in Colorado), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, theft and fire damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

This will pay to fix damage to your Jetta from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with another moving vehicle, rolling your car, driving through your garage door, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible on your Jetta to get cheaper collision coverage.

Cheaper car insurance is a realistic goal

Drivers switch companies for many reasons like questionable increases in premium, denial of a claim, high prices or even poor customer service. No matter why you want to switch, finding a new company is easier than you think.

When searching for the cheapest Volkswagen Jetta rate quotes, you should never buy poor coverage just to save money. In too many instances, drivers have reduced liability limits or collision coverage to discover at claim time that they should have had better coverage. Your objective should be to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

Discount Volkswagen Jetta insurance in Denver is available online in addition to many Denver insurance agents, so you need to quote Denver auto insurance with both to have the best rate selection. Some insurance companies may not provide the ability to get quotes online and usually these regional insurance providers sell through independent agents.

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