Trying to find lower-priced auto insurance rates in Chicago, IL? Chicago consumers have lots of choices when looking for the lowest priced Volkswagen Jetta insurance. They can either waste time contacting agents trying to get quotes or save time using the internet to find the lowest rates.
There are more efficient ways to compare auto insurance rates so you’re going to learn the quickest way to price shop coverage for your Volkswagen and locate the best price possible from both online companies and Chicago agents.
Smart consumers take time to shop coverage around before your next renewal because rates are usually higher with each renewal. Just because you had the lowest rate on Volkswagen Jetta insurance in Chicago a year ago there is a good chance you can find better prices now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the best way to find lower rates on auto insurance.
Chicago insurance discounts for a Volkswagen Jetta
Some insurers don’t list all available discounts in an easy-to-find place, so the list below contains a few of the more well known and the more hidden credits that you can use to lower your rates. If you are not receiving all the discounts you deserve, you could be getting lower rates.
- Low Mileage Discounts – Low annual miles can qualify you for cheaper car insurance rates.
- Waiver for an Accident – Not a discount per se, but certain companies will let one accident slide before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
- Active Military Service – Being deployed with a military unit could mean lower premium rates.
- Discount for Good Grades – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
- Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
- College Student – College-age children who attend college more than 100 miles from Chicago and don’t have a car may be able to be covered for less.
- Paperless Signup – Certain companies will discount your bill up to fifty bucks simply for signing digitally online.
- ABS and Traction Control Discounts – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more on Jetta insurance in Chicago.
A little note about advertised discounts, most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. But all discounts will lower the amount you pay for coverage.
Companies and a summarized list of policyholder discounts are shown below.
- State Farm offers discounts for student away at school, Steer Clear safe driver discount, driver’s education, safe vehicle, anti-theft, good driver, and defensive driving training.
- GEICO may have discounts that include good student, military active duty, membership and employees, anti-lock brakes, and driver training.
- Liberty Mutual includes discounts for newly married, new vehicle discount, preferred payment discount, multi-policy, newly retired, hybrid vehicle, and safety features.
- The Hartford has savings for good student, anti-theft, air bag, driver training, vehicle fuel type, bundle, and defensive driver.
- MetLife discounts include multi-policy, good driver, accident-free, claim-free, and good student.
- Progressive offers discounts including online quote discount, continuous coverage, multi-policy, online signing, and good student.
If you need lower rates, check with each company to give you their best rates. All car insurance discounts might not be offered on policies in every state.
The companies shown below are ready to provide quotes in Illinois. If the list has multiple companies, we recommend you click on several of them in order to find the lowest rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $96 | $178 | $246 | $14 | $74 | $608 | $51 |
| Jetta S 2.5 Station Wagon | $138 | $262 | $300 | $18 | $90 | $808 | $67 |
| Jetta LE 4-Dr Sedan | $194 | $384 | $340 | $20 | $102 | $1,040 | $87 |
| Jetta SE 4-Dr Sedan | $260 | $400 | $342 | $20 | $102 | $1,124 | $94 |
| Jetta SE 2.5 Station Wagon | $220 | $392 | $226 | $14 | $68 | $920 | $77 |
| Jetta 2.0T 4-Dr Sedan | $168 | $298 | $268 | $16 | $80 | $830 | $69 |
| Jetta SEL 4-Dr Sedan | $136 | $284 | $340 | $20 | $102 | $882 | $74 |
| Jetta 2.0T Station Wagon | $138 | $290 | $268 | $16 | $80 | $792 | $66 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price estimates do not factor in specific garaging location which can lower or raise premiums considerably.
Higher deductibles lower rates
One of the more difficult decisions when buying auto insurance is where to set your physical damage deductibles. The data tables below may help you to understand how much more rates are when you buy lower versus higher physical damage coverage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $202 | $340 | $262 | $16 | $78 | $923 | $77 |
| Jetta S 2.5 Station Wagon | $202 | $340 | $222 | $14 | $66 | $869 | $72 |
| Jetta LE 4-Dr Sedan | $202 | $340 | $262 | $16 | $78 | $923 | $77 |
| Jetta SE 4-Dr Sedan | $228 | $400 | $262 | $16 | $78 | $1,009 | $84 |
| Jetta SE 2.5 Station Wagon | $228 | $400 | $222 | $14 | $66 | $955 | $80 |
| Jetta 2.0T 4-Dr Sedan | $228 | $400 | $262 | $16 | $78 | $1,009 | $84 |
| Jetta SEL 4-Dr Sedan | $228 | $400 | $262 | $16 | $78 | $1,009 | $84 |
| Jetta 2.0T Station Wagon | $228 | $400 | $222 | $14 | $66 | $955 | $80 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $124 | $214 | $262 | $16 | $78 | $694 | $58 |
| Jetta S 2.5 Station Wagon | $124 | $214 | $222 | $14 | $66 | $640 | $53 |
| Jetta LE 4-Dr Sedan | $124 | $214 | $262 | $16 | $78 | $694 | $58 |
| Jetta SE 4-Dr Sedan | $140 | $252 | $262 | $16 | $78 | $748 | $62 |
| Jetta SE 2.5 Station Wagon | $140 | $252 | $222 | $14 | $66 | $694 | $58 |
| Jetta 2.0T 4-Dr Sedan | $140 | $252 | $262 | $16 | $78 | $748 | $62 |
| Jetta SEL 4-Dr Sedan | $140 | $252 | $262 | $16 | $78 | $748 | $62 |
| Jetta 2.0T Station Wagon | $140 | $252 | $222 | $14 | $66 | $694 | $58 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Illinois minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium costs do not factor in specific zip code location which can raise or lower rates greatly.
Based on the above data, using a $250 deductible would cost the average driver about $21 more each month or $252 every year than quoting the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 36 months between claims, you would more than likely save some money by selecting a higher deductible.
How to determine if a higher deductible is a good idea
| Average monthly premium for $250 deductibles: | $80 |
| Average monthly premium for $1,000 deductibles (subtract): | – $59 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 36 months |
Deductible comparison
The information below illustrates how choosing a deductible and can affect Volkswagen Jetta insurance costs for each different age group. The rate quotes are based on a married male driver, full physical damage coverage, and no discounts are applied.
Cost of full coverage
The chart below shows the difference between Volkswagen Jetta annual premium costs with and without full coverage. Data assumes no claims or driving citations, $1,000 deductibles, single male driver, and no other discounts are factored in.
When to stop buying physical damage coverage
There isn’t a steadfast formula to drop comp and collision coverage, but there is a general convention. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let’s say your Volkswagen Jetta book value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $7,000 after paying your policy deductible. If you are currently paying more than $700 a year for your policy with full coverage, then you may need to consider dropping full coverage.
There are some situations where buying only liability insurance is not recommended. If you haven’t paid off your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should maintain full coverage.
How to Lower Your Insurance Rates
Many things are used when you get a price on insurance. Some are pretty understandable like your driving record, but others are less obvious such as your credit history or your vehicle rating.
- Having a spouse pays dividends – Having a wife or husband may earn you lower rates on your auto insurance bill. Having a spouse translates into being more mature and responsible and it’s statistically proven that married drivers tend to file fewer claims.
- Rural areas have lower prices – Having an address in a rural area may provide you with better prices when trying to find low car insurance rates. Lower population translates into fewer accident claims and also fewer theft and vandalism claims. Drivers who live in large Illinois cities tend to have more aggressive driving styles and longer commutes to work. Higher commute times can result in more accidents.
- Good credit equals lower rates – An insured’s credit rating can be an important factor in determining premium rates. If your credit rating is lower than you’d like, you could save money insuring your Volkswagen Jetta by spending a little time repairing your credit. Consumers who have high credit ratings tend to be more responsible and file fewer claims than drivers with poor credit.
- Car plus home equals more savings – Most insurance companies will give lower prices to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Even if you’re getting this discount drivers will still want to compare other Chicago Jetta insurance rates to guarantee you are still saving the most. You may still be able to find lower rates by splitting coverages up.
- When should you not file a insurance claims? – If you are the type of insured that files lots of claims you should expect higher rates. Companies in Illinois give the lowest premiums to insureds that do not abuse their auto insurance. Insurance coverage is intended to be relied upon for claims that you cannot pay yourself.
- Rate your vehicle for proper use – The higher the mileage driven every year the more you will pay for auto insurance. A lot of companies charge to insure your cars determined by how the vehicle is used. Vehicles that have low annual miles can get a lower rate than cars that get driven a lot. Verify your vehicle rating is rated on the proper vehicle usage. Having an incorrect usage rating on your Jetta can result in significantly higher rates.
- Insurance loss probability for a Volkswagen Jetta – Companies analyze the history of losses when they calculate premium prices for each model. Models that statistically have increased claim numbers or amounts will be charged more to insure.
The table below outlines the insurance loss data for Volkswagen Jetta vehicles. For each coverage type, the claim probability for all vehicles averaged together is set at 100. Percentage values below 100 represent a good loss history, while values that are above 100 indicate more frequent losses or an increased likelihood of larger losses.
Volkswagen Jetta Insurance Loss Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Volkswagen Jetta 110 118 93 113 123 127 Volkswagen Jetta Hybrid 128 121 114 104 Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Insurance agents can help
Always keep in mind that when comparing the right insurance coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions might help in determining if your situation might need an agent’s assistance.
- What is no-fault insurance?
- Am I covered if hit by an uninsured driver?
- Will damage be repaired with OEM parts?
- Should I buy only the required Illinois minimum liability coverage?
- Can I afford to pay high deductible claims out of pocket?
- Do I need replacement cost coverage on my Volkswagen Jetta?
- Does medical payments coverage apply to all occupants?
- What is roadside assistance coverage?
- Does coverage follow the driver or the vehicle?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.
Local Chicago insurance agencies
A lot of people just want to sit down with an agent and that is just fine! Good insurance agents are highly skilled in risk management and give you someone to call. One of the great benefits of getting free rate quotes online is you can get cheap car insurance rates and still choose a local agent. And buying from neighborhood insurance agencies is definitely important in Chicago.
To help locate an agent, after submitting this form (opens in new window), your information is sent to participating agents in Chicago that give free quotes for your business. You don’t have to leave your computer as quotes are delivered to the email address you provide. If for some reason you want to get a comparison quote for a specific company, you just need to find their quoting web page and complete a quote there.
How to choose the best car insurance agent in Chicago
If you want a reputable insurance agent or broker, it can be helpful to understand the types of insurance agents and how they work. Insurance agencies in Chicago can be classified as either exclusive agents or independent agents. Either one can sell affordable car insurance policies, but it’s good to learn how they differ since it could factor into buying decisions.
Independent Car Insurance Agencies
Agents that choose to be independent are not required to write business for one company so they can quote policies amongst many companies and get the cheapest rates. To transfer your coverage to a different company, they can switch companies in-house and you don’t have to do anything.
When comparison shopping, it’s recommended you get rate quotes from several independent agencies in order to have the best price comparison. Most independent agents also contract with less well-known companies that many times have cheaper rates.
Listed below is a small list of independent agencies in Chicago who may be able to give you free price quotes.
- W.A. George Insurance Agency
155 N Michigan Ave #300 – Chicago, IL 60601 – (312) 729-5265 – View Map - Edwards Insurance Agency, Inc.
11113 S Kedzie Ave – Chicago, IL 60655 – (773) 396-5526 – View Map - Northwest Insurance Network Inc
4450 N Western Ave – Chicago, IL 60625 – (773) 433-3300 – View Map
Exclusive Car Insurance Agencies
Agents in the exclusive channel can only place business with one company such as Allstate, State Farm and Farmers Insurance. They usually cannot compare rates from other companies so you might not find the best rates. They are well schooled on their products and sales techniques which helps them sell on service rather than price. Many people purchase coverage from exclusives mostly because of the prominent brand name and strong financial ratings.
Below are exclusive agents in Chicago that can give you rate quotes.
- Greg King – State Farm Insurance Agent
5508 S Lake Park Ave – Chicago, IL 60637 – (773) 643-6200 – View Map - Rhea Joyer – State Farm Insurance Agent
4911 N Lincoln Ave c – Chicago, IL 60625 – (773) 878-8883 – View Map - Liane Williams – State Farm Insurance Agent
3143 W 71st St – Chicago, IL 60629 – (773) 436-7500 – View Map
Choosing the best insurance agent is decision based upon more than just the premium amount. These are some valid questions you should ask.
- Are they able to influence company decisions when a claim is filed?
- Will the agent or a CSR service your policy?
- How does the company pay claims for a total loss?
- Can glass repairs be made at your home?
- How will an accident affect your rates?
- Will the quote change when the policy is issued?
- Does the agent help file claims?
Three main reasons to buy car insurance
Even though Chicago Jetta insurance rates can get expensive, buying car insurance is mandatory in Illinois but it also protects more than you think.
- Most states have minimum liability requirements which means the state requires specific limits of liability if you want to drive legally. In Illinois these limits are 20/40/15 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you have a lien on your vehicle, most banks will make it mandatory that you have physical damage coverage to ensure loan repayment if the vehicle is totalled. If coverage lapses or is canceled, the bank may insure your Volkswagen at a much higher premium rate and require you to reimburse them for it.
- Insurance safeguards not only your Volkswagen Jetta but also your financial assets. It will also reimburse you for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of having car insurance greatly outweigh the cost, particularly when you have a large claim. The average driver in Illinois is overpaying more than $750 every year so shop around each time the policy renews to help ensure money is not being wasted.
In conclusion
Lower-priced car insurance in Chicago can be sourced from both online companies and from local agencies, and you should compare price quotes from both to have the best selection. Some insurance providers do not offer internet price quotes and most of the time these small, regional companies only sell coverage through independent insurance agents.
As you prepare to switch companies, it’s a bad idea to reduce coverage to reduce premium. Too many times, an insured cut full coverage to discover at claim time that it was a big error on their part. Your focus should be to get the best coverage possible at an affordable rate, but do not skimp to save money.
Other resources
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Who Has the Cheapest Chicago Auto Insurance for a Nissan Rogue? (FAQ)
- What Auto Insurance is Cheapest for Infrequent Drivers in Chicago? (FAQ)
- Who Has the Cheapest Chicago Car Insurance Rates for Inexperienced Drivers? (FAQ)
- Who Has Cheap Car Insurance Quotes for Uninsured Drivers in Chicago? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Drivers with Bad Credit in Chicago? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Credit and Insurance Scores (Insurance Information Institute)