Truthfully, the best way to find more affordable Volkswagen Jetta insurance is to begin comparing prices regularly from insurers who provide auto insurance in Anchorage. You can shop around by following these guidelines.
First, read about auto insurance and the measures you can control to prevent rate increases. Many rating criteria that result in higher rates such as traffic violations and a not-so-good credit history can be eliminated by improving your driving habits or financial responsibility.
Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like GEICO or Allstate, while independent agents can provide prices for many different companies.
Third, compare the new quotes to the premium of your current policy to see if a cheaper price is available. If you find a lower rate, make sure there is no lapse between the expiration of your current policy and the new one.
An essential thing to point out is to compare similar coverage information on every quote and and to compare as many different insurance providers as possible. Doing this enables an apples-to-apples comparison and a complete price analysis.
Sadly, almost 70% of drivers have remained with the same auto insurance company for at least four years, and practically 40% of auto insurance customers have never compared rate quotes at all. Many drivers in Alaska could save themselves up to $368 a year by just shopping around, but they just don’t understand how much money they would save if they switched to a cheaper policy.
Comparing quotes for the lowest-priced insurance in Anchorage is not that difficult. Basically, everyone who is looking for cheaper insurance should find a cheaper policy. Although Alaska drivers benefit from understanding how insurance companies determine how much to charge and take advantage of how the system works.
When comparison shopping, having more price comparisons increases the chance that you will find better pricing. Some insurance companies are not set up to provide online rate quotes, so you need to compare quotes from them as well.
The following companies are ready to provide comparison quotes in Alaska. If your goal is to find the best car insurance in Alaska, it’s highly recommended you click on several of them to find the cheapest car insurance rates.
Insurance coverage analysis
The coverage table shown next highlights different rate quotes for Volkswagen Jetta models. Learning how insurance policy premiums are figured can benefit drivers when making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $266 | $422 | $356 | $22 | $106 | $1,172 | $98 |
| Jetta S 2.5 Station Wagon | $266 | $422 | $302 | $18 | $90 | $1,098 | $92 |
| Jetta LE 4-Dr Sedan | $266 | $422 | $356 | $22 | $106 | $1,172 | $98 |
| Jetta SE 4-Dr Sedan | $302 | $498 | $356 | $22 | $106 | $1,284 | $107 |
| Jetta SE 2.5 Station Wagon | $302 | $498 | $302 | $18 | $90 | $1,210 | $101 |
| Jetta 2.0T 4-Dr Sedan | $302 | $498 | $356 | $22 | $106 | $1,284 | $107 |
| Jetta SEL 4-Dr Sedan | $302 | $498 | $356 | $22 | $106 | $1,284 | $107 |
| Jetta 2.0T Station Wagon | $302 | $498 | $302 | $18 | $90 | $1,210 | $101 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Alaska minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rates do not factor in specific location which can modify insurance rates greatly.
Raise deductibles and save
One of the hardest decisions when shopping for car insurance is how low should you set your deductibles. The following tables may aid in understanding the rate differences between low and high physical damage coverage deductibles. The first rate comparisons uses a $250 deductible for comp and collision 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 | $210 | $354 | $272 | $16 | $82 | $959 | $80 |
| Jetta S 2.5 Station Wagon | $210 | $354 | $232 | $14 | $70 | $905 | $75 |
| Jetta LE 4-Dr Sedan | $210 | $354 | $272 | $16 | $82 | $959 | $80 |
| Jetta SE 4-Dr Sedan | $238 | $418 | $272 | $16 | $82 | $1,051 | $88 |
| Jetta SE 2.5 Station Wagon | $238 | $418 | $232 | $14 | $70 | $997 | $83 |
| Jetta 2.0T 4-Dr Sedan | $238 | $418 | $272 | $16 | $82 | $1,051 | $88 |
| Jetta SEL 4-Dr Sedan | $238 | $418 | $272 | $16 | $82 | $1,051 | $88 |
| Jetta 2.0T Station Wagon | $238 | $418 | $232 | $14 | $70 | $997 | $83 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $130 | $222 | $272 | $16 | $82 | $722 | $60 |
| Jetta S 2.5 Station Wagon | $130 | $222 | $232 | $14 | $70 | $668 | $56 |
| Jetta LE 4-Dr Sedan | $130 | $222 | $272 | $16 | $82 | $722 | $60 |
| Jetta SE 4-Dr Sedan | $146 | $262 | $272 | $16 | $82 | $778 | $65 |
| Jetta SE 2.5 Station Wagon | $146 | $262 | $232 | $14 | $70 | $724 | $60 |
| Jetta 2.0T 4-Dr Sedan | $146 | $262 | $272 | $16 | $82 | $778 | $65 |
| Jetta SEL 4-Dr Sedan | $146 | $262 | $272 | $16 | $82 | $778 | $65 |
| Jetta 2.0T Station Wagon | $146 | $262 | $232 | $14 | $70 | $724 | $60 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in specific Anchorage garaging location which can alter premiums substantially.
Based on the figures above, using a $250 deductible will cost you about $22 more each month or $264 a year averaged for all Jetta models than quoting the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 34 months between claims, you would come out ahead by selecting a higher deductible.
How to determine when to raise your deductibles
| Average monthly premium for $250 deductibles: | $83 |
| Average monthly premium for $1,000 deductibles (subtract): | – $61 |
| Monthly savings from raising deductible: | $22 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $22 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 34 months |
Careless Anchorage drivers pay higher rates
The diagram below illustrates how speeding tickets and at-fault collisions can influence Volkswagen Jetta auto insurance rates for different age categories. The data assumes a single female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
Gender-based car insurance rates
The illustration below shows the comparison of Volkswagen Jetta insurance prices for male and female drivers. The rates are based on no tickets, no at-fault accidents, full physical damage coverage, $250 deductibles, single status, and no other discounts are factored in.
Volkswagen Jetta liability-only versus full coverage
The illustration below illustrates the comparison of Volkswagen Jetta premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no accidents or driving violations, $250 deductibles, drivers are not married, and no other discounts are factored in.
Should you pay for full coverage?
There is no definitive rule for eliminating full coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than 10% of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s assume your Volkswagen Jetta replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after paying your deductible. If you are currently paying more than $500 a year for your policy with full coverage, then it could be time to drop full coverage.
There are a few situations where eliminating full coverage is not advised. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.
These discounts can lower your auto insurance quotes
Auto insurance is not inexpensive, but you may be missing some discounts that you may not know about. Certain credits will be shown at the time of quoting, but some need to be asked for prior to receiving the credit.
- Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying in monthly installments you could save 5% or more.
- 55 and Retired – Seniors can possibly qualify for reduced rates.
- First Accident Forgiveness – This one isn’t a discount, but some insurance companies will turn a blind eye to one accident before they charge you more for coverage if your claims history is clear for a particular time prior to the accident.
- New Vehicle Savings – Insuring a vehicle that is new can be considerably cheaper since newer models have better safety ratings.
- Own a Home – Simply owning a home can save you money because it demonstrates responsibility.
You can save money using discounts, but some credits don’t apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, companies don’t profit that way.
The chart below visualizes the comparison of Volkswagen Jetta insurance premiums with and without discounts being applied to the rates. The rate quotes are based on a female driver, no violations or accidents, Alaska state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, homeowner, marriage, and claim-free discounts applied.
Some of the larger companies who may offer these money-saving discounts include:
If you want cheaper Anchorage auto insurance quotes, ask every prospective company which credits you are entitled to. All car insurance discounts might not apply in Anchorage. To see insurance companies with significant discounts in Alaska, follow this link.
Auto insurance does more than just protect your car
Despite the high insurance cost for a Volkswagen Jetta in Anchorage, maintaining insurance is not optional due to several reasons.
- Just about all states have mandatory insurance requirements which means you are required to buy a specific minimum amount of liability protection if you drive a vehicle. In Alaska these limits are 50/100/25 which means you must have $50,000 of bodily injury coverage per person, $100,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your Jetta, most lenders will force you to have insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Volkswagen for a lot more money and require you to fork over for it.
- Insurance safeguards both your vehicle and your personal assets. Insurance will also pay for medical bills that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you cause an accident and are sued. If your Volkswagen gets damaged, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of carrying adequate insurance outweigh the cost, especially for larger claims. Unknowingly, the average driver is overpaying over $865 each year so it’s very important to do a rate comparison at every policy renewal to save money.
Ratings for Alaska car insurance companies
Choosing the highest-rated auto insurance company can be difficult considering how many choices you have in Alaska. The company rank data displayed below can help you analyze which car insurance providers you want to consider when shopping around.
Top 10 Anchorage Car Insurance Companies by A.M. Best Rank
- USAA – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Allstate – A+
- Progressive – A+
- The Hartford – A+
- The General – A-
- AAA Insurance – A
- Liberty Mutual – A
Auto insurance agents can find coverage gaps
Many drivers just want to sit down and talk to an agent and that is recommended in a lot of cases One of the great benefits of comparing insurance prices online is that you can obtain cheap car insurance rates but still work with a licensed agent. Buying insurance from small agencies is definitely important in Anchorage.
After filling out this simple form, the coverage information is instantly submitted to participating agents in Anchorage that give free quotes for your coverage. There is no need to contact any agents as quotes are delivered to your email. You can most likely find cheaper rates without requiring a lot of work. If you wish to compare rates from one company in particular, feel free to jump over to their website and fill out the quote form the provide.
If you’re trying to find local Anchorage agents, there are two different types of agents and how they can service your needs differently. Car insurance policy providers are either exclusive agents or independent agents.
Independent Car Insurance Agencies
Agents of this type are not locked into one company and that enables them to quote your coverage amongst many companies and help determine which has the cheapest rates. If they find a lower price, your agent can just switch to a different company which makes it simple for you.
If you are trying to find cheaper rates, we highly recommend that you include independent agents to maximize your price options.
Shown below is a small list of independent agents in Anchorage that can possibly get you pricing information.
Alaska Service Agency
6901 Debarr Road #201 – Anchorage, AK 99504 – (907) 337-2311 – View Map
Aurora Insurance Services – A Horace Mann Company
4450 Cordova St #120 – Anchorage, AK 99503 – (907) 563-5300 – View Map
Associated Insurance Services
7125 Old Seward Hwy #203 – Anchorage, AK 99518 – (907) 349-2229 – View Map
Exclusive Agents
Agents that choose to be exclusive can only provide pricing for a single company and some examples include Allstate, State Farm and Farm Bureau. They generally cannot place coverage with different providers so always compare other rates. Exclusive agencies are well trained on their company’s products and that enables them to sell even at higher rates.
Listed below are exclusive agencies in Anchorage willing to provide price quotes.
Allstate Insurance: Stan Tebow
3701 E Tudor Rd Ste 105 – Anchorage, AK 99507 – (907) 562-2645 – View Map
Allstate Insurance: Roy Briley
1577 C St Ste 102 – Anchorage, AK 99501 – (907) 297-2900 – View Map
Stacey Roy – State Farm Insurance Agent
9220 Lake Otis Pkwy Ste A6 – Anchorage, AK 99507 – (907) 345-0505 – View Map
Choosing the best insurance agency needs to be determined by more than just the premium amount. Below are some questions you should ask.
- Are claims handled at the agent’s location?
- Do you work with a CSR or direct with the agent?
- Are there any discounts for paying up front?
- Does the company use OEM repair parts?
- When do they do a full risk review?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?