If you want to find the absolute lowest rates, then the best way to find cheaper quotes for auto insurance rates in El Paso is to regularly compare quotes from providers who provide car insurance in Texas.
- First, read and learn about the coverage provided by your policy and the modifications you can make to prevent expensive coverage. Many factors that result in higher rates such as high-risk driving behaviors and an imperfect credit history can be rectified by paying attention to minor details.
- Second, request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive and State Farm, while independent agencies can provide price quotes from many different companies. View a list of agents
- Third, compare the new rates to the premium of your current policy and determine if cheaper Jetta coverage is available in El Paso. If you find a lower rate quote and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
One piece of advice is to make sure you're comparing identical deductibles and limits on each quote and and to get rate quotes from as many auto insurance providers as possible. This provides an accurate price comparison and a thorough selection of prices.
It's an obvious conclusion that car insurance companies don't want you comparing rates. Consumers who compare other prices will probably buy a different policy because there is a significant possibility of finding more affordable rates. A survey found that drivers who compared rates once a year saved approximately $3,500 over four years compared to those who never compared other company's rates.
If saving money on insurance in El Paso is the reason you're reading this, then knowing the best way to compare insurance rates can make the process less intimidating.
The fastest way that we advise to get rate comparisons for Volkswagen Jetta insurance in El Paso is to know the trick most larger insurance companies participate in online systems to quote your coverage. The only thing you need to do is provide details such as your education level, which vehicles you own, deductibles desired, and if the vehicle is leased. The data is automatically sent to many different companies and they return quotes instantly.
If you wish to get multiple quotes for your car now, click here and complete the quick form.
The providers in the list below have been selected to offer free rate quotes in Texas. If several companies are displayed, it's a good idea that you get price quotes from several of them to get the cheapest price.
Volkswagen Jetta coverage analysis
The rate information below showcases estimates of coverage costs for Volkswagen Jetta models. Having knowledge of how insurance prices are established helps drivers make informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $218 | $368 | $392 | $24 | $118 | $1,120 | $93 |
| Jetta S 2.5 Station Wagon | $218 | $368 | $334 | $20 | $100 | $1,040 | $87 |
| Jetta LE 4-Dr Sedan | $218 | $368 | $392 | $24 | $118 | $1,120 | $93 |
| Jetta SE 4-Dr Sedan | $246 | $434 | $392 | $24 | $118 | $1,214 | $101 |
| Jetta SE 2.5 Station Wagon | $246 | $434 | $334 | $20 | $100 | $1,134 | $95 |
| Jetta 2.0T 4-Dr Sedan | $246 | $434 | $392 | $24 | $118 | $1,214 | $101 |
| Jetta SEL 4-Dr Sedan | $246 | $434 | $392 | $24 | $118 | $1,214 | $101 |
| Jetta 2.0T Station Wagon | $246 | $434 | $334 | $20 | $100 | $1,134 | $95 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rates do not factor in specific garaging location which can alter prices significantly.
Deductible comparison
One of the more difficult decisions when buying insurance is at what level do you set your deductibles. The premium rates below help summarize the differences in premium rates between high and low physical damage deductibles. The first set of rates uses a $100 deductible for physical damage 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 | $328 | $592 | $382 | $22 | $114 | $1,463 | $122 |
| Jetta S 2.5 Station Wagon | $328 | $592 | $324 | $20 | $96 | $1,385 | $115 |
| Jetta LE 4-Dr Sedan | $328 | $592 | $382 | $22 | $114 | $1,463 | $122 |
| Jetta SE 4-Dr Sedan | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Jetta SE 2.5 Station Wagon | $370 | $698 | $324 | $20 | $96 | $1,533 | $128 |
| Jetta 2.0T 4-Dr Sedan | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Jetta SEL 4-Dr Sedan | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Jetta 2.0T Station Wagon | $370 | $698 | $324 | $20 | $96 | $1,533 | $128 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Jetta S 4-Dr Sedan | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Jetta S 2.5 Station Wagon | $182 | $312 | $324 | $20 | $96 | $934 | $78 |
| Jetta LE 4-Dr Sedan | $182 | $312 | $382 | $22 | $114 | $1,012 | $84 |
| Jetta SE 4-Dr Sedan | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Jetta SE 2.5 Station Wagon | $206 | $368 | $324 | $20 | $96 | $1,014 | $85 |
| Jetta 2.0T 4-Dr Sedan | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Jetta SEL 4-Dr Sedan | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Jetta 2.0T Station Wagon | $206 | $368 | $324 | $20 | $96 | $1,014 | $85 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Information does not factor in El Paso location which can decrease or increase prices greatly.
Based on the figures above, using a $100 deductible would cost the average driver about $41 more each month or $492 for a full year than requesting the higher $1,000 deductible. Since 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 normally go more than 22 months between claim filings, you would most likely save money if you opt for a higher deductible.
Calculate deductible break even point
| Average monthly premium for $100 deductibles: | $127 |
| Average monthly premium for $1,000 deductibles (subtract): | - $86 |
| Monthly savings from raising deductible: | $41 |
| Difference between deductibles ($1,000 - $100): | $900 |
| Divide difference by monthly savings: | $900 / $41 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 22 months |
One important issue to know is that higher deductibles results in more money out-of-pocket when you have to file a claim. That will force you to have enough money put aside in the event you need to pay the deductible to have repairs made.
Annual premiums for males versus females
The chart below compares Volkswagen Jetta yearly insurance costs for male and female drivers. The prices are based on no violations or claims, comp and collision included, $500 deductibles, marital status is single, and no other discounts are factored in.
You may need specialized insurance coverage
Always keep in mind that when comparing insurance from an agent or online, there isn't really a best way to insure your cars. Every situation is different so your insurance needs to address that.
For instance, these questions might help in determining whether or not you would benefit from professional advice.
- Do I need rental car coverage?
- I have health insurance so do I need medical payments coverage?
- Am I covered if I break a side mirror?
- Do I need replacement cost coverage on my Volkswagen Jetta?
- Does my car insurance cover rental cars?
- Are combined or split liability limits better?
If it's difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.
Compare rates but still have a local El Paso insurance agency
Many people just prefer to get professional advice from a licensed agent and there is nothing wrong with that. Good insurance agents are very good at helping people manage risk and will help you if you have claims. The best thing about comparing rates online is you can get cheaper prices and still have a local agent.
To help locate an agent, after submitting this form (opens in new window), your insurance coverage information gets sent to local insurance agents in El Paso who will give competitive quotes to get your business. It's much easier because you don't need to search for an agent because quoted prices will be sent to your email. If for some reason you want to get a rate quote from one company in particular, just go to their quote page and complete a quote there.
Finding a good company is decision based upon more than just a cheap price quote. The following questions are important to ask.
- What are the financial ratings for the companies they represent?
- Is the agent CPCU or CIC certified?
- What insurance company do they write the most business with?
- Does their agency support local causes in El Paso?
- Will the quote change when the policy is issued?
- What companies can they write with?
Ratings for Texas car insurance companies
Insuring your vehicle with the best company is difficult considering how many companies there are in El Paso. The rank data shown next could help you select which companies to look at comparing rates from.
Top 10 El Paso Car Insurance Companies by A.M. Best Rank
- Travelers - A++
- USAA - A++
- GEICO - A++
- State Farm - A++
- Titan Insurance - A+
- Esurance - A+
- Progressive - A+
- The Hartford - A+
- Allstate - A+
- Nationwide - A+