Car Insurance Quotes for a Volkswagen Jetta in Honolulu

If saving the most money is your goal, then the best way to get budget Volkswagen Jetta insurance in Honolulu is to compare prices at least once a year from providers who provide auto insurance in Hawaii. Drivers can shop around by completing these steps.

First, try to learn about the different coverages in a policy and the factors you can control to keep rates in check. Many rating factors that are responsible for high rates such as speeding tickets, careless driving and a poor credit rating can be rectified by making minor changes in your lifestyle. This article gives more information to lower rates and get discounts that may be available to you.

Second, compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like Progressive and State Farm, while independent agents can quote rates for many different companies.

Third, compare the new rates to the price on your current policy to see if a cheaper price is available in Honolulu. If you find a lower rate and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, tell your current agent or company to cancel your existing policy and submit a signed application and payment to your new company or agent. Once coverage is bound, place the new certificate of insurance in your glove compartment.

An essential thing to point out is that you’ll want to compare the same amount of coverage on every price quote and and to get prices from all possible companies. This ensures a fair rate comparison and plenty of rates choose from.

Insurance rates Volkswagen Jetta in HonoluluIt’s hard to fathom, but almost 70% of insureds have bought car insurance from the same company for well over three years, and almost half have never compared rate quotes at all. Many drivers in Hawaii can cut their rates by up to 40% a year just by getting comparison quotes, but they won’t spend time to shop around.

Determine discounts on Honolulu auto insurance

Companies that sell car insurance don’t list all available discounts in an easy-to-find place, so below is a list some of the more common and also the more inconspicuous credits available to you.Cheaper auto insurance with discounts

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. Even though the math looks like you can get free auto insurance, insurance companies wouldn’t stay in business.

The chart below visualizes the comparison of Volkswagen Jetta car insurance rates with and without some available policy discounts. The premium estimates are based on a female driver, no claims, a clean driving record, Hawaii state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, marriage, safe-driver, and multi-policy discounts applied.

Large auto insurance companies and some of the discounts are included below.

It’s a good idea to ask each insurance company which credits you are entitled to. Some of the earlier mentioned discounts might not be available to policyholders in Honolulu.

The method we recommend to compare car insurance rates for Volkswagen Jetta insurance in Honolulu is to know most of the bigger providers participate in online systems to compare their rates. All consumers are required to do is provide a small amount of information such as how you use your vehicles, if the car is leased, the type of vehicles you drive, and if you are currently licensed. Your details is then submitted to many highly-rated insurers and they provide comparison quotes within a short period of time.

To check rates for your car now, click here and enter the information requested.

The following companies have been selected to offer comparison quotes in Honolulu, HI. If several companies are displayed, it’s highly recommended you visit as many as you can in order to get a fair rate comparison.

Analysis of Volkswagen Jetta rates

The premium information shown next highlights estimates of insurance policy prices for Volkswagen Jetta models. Learning more about how auto insurance premiums are established can help drivers make informed purchases.

Volkswagen Jetta Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $126 $216 $264 $16 $80 $702 $59
Jetta S 2.5 Station Wagon $126 $216 $226 $14 $68 $650 $54
Jetta LE 4-Dr Sedan $126 $216 $264 $16 $80 $702 $59
Jetta SE 4-Dr Sedan $142 $256 $264 $16 $80 $758 $63
Jetta SE 2.5 Station Wagon $142 $256 $226 $14 $68 $706 $59
Jetta 2.0T 4-Dr Sedan $142 $256 $264 $16 $80 $758 $63
Jetta SEL 4-Dr Sedan $142 $256 $264 $16 $80 $758 $63
Jetta 2.0T Station Wagon $142 $256 $226 $14 $68 $706 $59
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Price information does not factor in your specific Honolulu location which can raise or lower price quotes substantially.

Higher deductibles lower rates

One common question asked by Honolulu drivers is how high should the deductibles for physical damage be. The rates below can help show how much more you’ll pay of buying low and high physical damage coverage deductibles. The first rate table uses a $250 physical damage deductible and the second price grid uses a $500 deductible.

Volkswagen Jetta insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $204 $344 $264 $16 $80 $933 $78
Jetta S 2.5 Station Wagon $204 $344 $226 $14 $68 $881 $73
Jetta LE 4-Dr Sedan $204 $344 $264 $16 $80 $933 $78
Jetta SE 4-Dr Sedan $230 $406 $264 $16 $80 $1,021 $85
Jetta SE 2.5 Station Wagon $230 $406 $226 $14 $68 $969 $81
Jetta 2.0T 4-Dr Sedan $230 $406 $264 $16 $80 $1,021 $85
Jetta SEL 4-Dr Sedan $230 $406 $264 $16 $80 $1,021 $85
Jetta 2.0T Station Wagon $230 $406 $226 $14 $68 $969 $81
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 $166 $278 $264 $16 $80 $804 $67
Jetta S 2.5 Station Wagon $166 $278 $226 $14 $68 $752 $63
Jetta LE 4-Dr Sedan $166 $278 $264 $16 $80 $804 $67
Jetta SE 4-Dr Sedan $188 $328 $264 $16 $80 $876 $73
Jetta SE 2.5 Station Wagon $188 $328 $226 $14 $68 $824 $69
Jetta 2.0T 4-Dr Sedan $188 $328 $264 $16 $80 $876 $73
Jetta SEL 4-Dr Sedan $188 $328 $264 $16 $80 $876 $73
Jetta 2.0T Station Wagon $188 $328 $226 $14 $68 $824 $69
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Estimates do not factor in specific zip code location which can change premiums noticeably.

Based on this data, using a $250 deductible costs about $12 more each month or $144 a year than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally go more than 21 months between claim filings, you would more than likely save some money by going with a higher deductible. Below is an example of how we made this calculation.

Average monthly premium for $250 deductibles: $81
Average monthly premium for $500 deductibles (subtract): – $69
Monthly savings from raising deductible: $12
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One important note is that raising deductibles to get cheaper rates results in more money out-of-pocket when you have a physical damage claim. You will want to have some savings in the bank in order to pay the deductible to have repairs made.

The information below illustrates how your deductible choice and can increase or decrease Volkswagen Jetta premium costs for different age groups of insureds. The rate quotes are based on a single male driver, comp and collision included, and no policy discounts are applied.

Full coverage rates compared to liability-only

The chart below shows the comparison of Volkswagen Jetta insurance prices with and without full coverage. Data assumes no violations or claims, $100 deductibles, single marital status, and no discounts are applied to the premium.

Guidelines for dropping full coverage

There is no written rule of when to stop paying for comp and collision coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s say your Volkswagen Jetta replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $8,000 after the policy deductible has been paid. If you are paying more than $800 a year for full coverage, then it could be time to drop full coverage.

There are a few cases where removing full coverage is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage in place.

Compare rates but work with a local Honolulu insurance agent

A lot of people would rather talk to a local agent and that is a personal choice. The biggest benefit of comparing car insurance online is that drivers can save money and get cheap car insurance rates and still buy from a local agent.

Insurance agents in HonoluluAfter filling out this simple form, the coverage information is submitted to insurance agents in Honolulu that provide free Honolulu auto insurance quotes for your insurance coverage. You won’t even need to search for an agent due to the fact that quote results will go immediately to you. Get lower rates without a big time investment. If you have a need to compare rates from one company in particular, don’t hesitate to go to their quote page and submit a quote form there.

Deciding on an insurance company is decision based upon more than just a cheap price quote. A good agent in Honolulu will have answers to these questions.

Insurance agent types

When looking for local Honolulu agents, you must know there are a couple different types of agencies and how they differ in how they can insure your vehicles. Honolulu agents can be classified as either independent agents or exclusive agents depending on their employer.

Exclusive Agents

Exclusive agencies generally can only insure with one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot place coverage with different providers so they really need to provide good service. They are highly trained on the products they sell which can be an advantage.

Below is a short list of exclusive agents in Honolulu willing to provide rate quotes.

Six Waterfront Plaza 3rd Floor, 500 Ala Moana BlvdHonolulu, HI 96813(808) 533-2444View Map

1221 Kapiolani Blvd #1015Honolulu, HI 96814(808) 593-9288View Map

1313 S Beretania St #100Honolulu, HI 96814(808) 593-8221View Map

More Honolulu agents

Independent Agencies or Brokers

Independent agents can sell policies from many different companies and that allows them to write policies with many different companies depending on which coverage is best. If they find a cheaper price, your agent can just switch to a different company which is easy for the insured. If you are comparing car insurance prices, we highly recommend that you compare quotes from a few independent agents for the best price selection.

Listed below is a list of independent agents in Honolulu that are able to give comparison quotes.

1100 Alakea St #2600Honolulu, HI 96813(808) 537-1970View Map

420 Waiakamilo RdHonolulu, HI 96817(808) 527-7667View Map

1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818Honolulu, HI 96818(808) 527-7777View Map

More Honolulu agents

Honolulu auto insurance companies ranked

Picking the top car insurance provider is difficult considering how many companies are available to choose from in Honolulu. The ranking data in the next section could help you analyze which coverage providers to look at purchasing a policy from.

Top 10 Honolulu Car Insurance Companies Ranked by Customer Service

  1. State Farm
  2. GEICO
  3. The Hartford
  4. Progressive
  5. Allstate
  6. American Family
  7. AAA Insurance
  8. Nationwide
  9. Liberty Mutual
  10. Farmers Insurance

Top 10 Honolulu Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 94%
  2. AAA Insurance – 91%
  3. State Farm – 90%
  4. Nationwide – 90%
  5. The Hartford – 89%
  6. GEICO – 89%
  7. Liberty Mutual – 88%
  8. Allstate – 88%
  9. Esurance – 87%
  10. Progressive – 87%

More quotes mean more auto insurance savings

You just learned many ways to shop for Volkswagen Jetta insurance online. The most important thing to understand is the more you quote Honolulu auto insurance, the better chance you’ll have of finding inexpensive Honolulu auto insurance quotes. You may even be surprised to find that the best car insurance rates are with some of the lesser-known companies. Some small companies may have significantly lower premium rates on certain market segments compared to the large companies like GEICO and State Farm.

As you quote Honolulu auto insurance, it’s very important that you do not sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

To learn more, feel free to browse the resources below: