How Much Does 2016 Volkswagen Golf Insurance Cost in 2024?

Finding the lowest cost insurance is challenging for vehicle owners new to online price comparisons. With so many agents and companies, how are we expected to have a chance to compare every possible option in order to find the cheapest available price?

Insurance coverage companies offer many discounts

Some insurers do not list every discount very clearly, so below is a list both the well known and also the lesser-known discounts you could be receiving when you buy auto insurance online. If you do not check that you are getting every discount you deserve, you are paying more than you should be.

• Own a Home and Save – Being a homeowner can earn you a little savings since owning and maintaining a home is proof of financial responsibility.
• Paperwork-free – Some of the larger companies provide a small discount just for signing your application on the web.
• Employee of Federal Government – Active or former government employment may qualify for a discount when you quote auto insurance on Golf insurance depending on your company.
• Military Deployment Discount – Having a family member in the military could qualify you for better premium rates.
• Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you may have a lower total premium amount.
• Accident-Free Discounts – Drivers who stay claim-free can earn big discounts when compared with insureds who have frequent claims or accidents.
• First Accident Forgiveness – but certain companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims prior to being involved in the accident.
• Multiple Cars – Buying a policy with multiple cars or trucks with the same insurance coverage company can get a discount for every vehicle.
• Defensive Driver – Completing a course teaching driver safety skills is a good idea and can lower rates if your company offers it.
• Data Collection Discounts – Drivers who elect to allow driving data submission to monitor driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if their driving habits are good.

You can save money using discounts, but most discounts do not apply to your bottom line cost. Most only reduce individual premiums such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

Large insurance coverage companies and some of their more popular discounts are included below.

• State Farm offers discounts including anti-theft, student away at school, accident-free, passive restraint, and good driver.
• American Family may have discounts that include good driver, multi-vehicle, accident-free, bundled insurance, mySafetyValet, and air bags.
• GEICO policyholders can earn discounts including good student, multi-policy, military active duty, air bags, and anti-theft.
• 21st Century has savings for early bird, homeowners, teen driver, automatic seat belts, anti-lock brakes, student driver, and good student.
• Progressive offers premium reductions for continuous coverage, online signing, good student, multi-vehicle, online quote discount, and homeowner.

When getting free auto insurance quotes, it’s a good idea to each company or agent how you can save money. Some of the discounts discussed earlier may not apply in your area. If you would like to view providers who offer insurance coverage discounts, enter your zip code here.

How to compare insurance quotes

There are several ways to shop for insurance, but some are easier and takes less work. You can waste hours talking to agents in your area, or you could use the internet to get pricing more quickly.

Many popular insurance companies enroll in a system where insurance shoppers send in one quote, and each company then returns a price quote. This system prevents you from having to do repetitive form submissions to each company.

To enter your information into the quoting system, enter your zip code here.

The one downside to using this type of form is you can’t choose the insurers to get pricing from. So if you prefer to pick specific providers to compare prices, we put together a list of companies who write insurance in your area. Click to enter zip code.

However you get your quotes, ensure you are comparing the same quote data on every price quote you get. If you use differing limits you will not be able to make a fair rate comparison. Slightly different insurance coverages or limits could mean much higher rates. And when comparing insurance rates, know that comparing more rates from different companies will improve the odds of getting the best rates.

How to lower your insurance premiums

An important part of buying insurance is that you know the rating factors that go into determining your policy premiums. If you have a feel for what determines premiums, this allows you to make good choices that may reward you with better auto insurance rates.

The list below includes some of the major factors companies use to determine your prices.

• Cheaper rates after marriage – Your spouse helps lower the price on your auto insurance policy. Having a spouse is viewed as being more mature and responsible and insurance companies like that being married results in fewer claims.
• Drive fewer miles and save – Driving a lot of miles each year the more you’ll pay to insure your vehicle. Almost all companies charge rates based upon how you use the vehicle. Cars and trucks used primarily for pleasure use get more affordable rates than cars that get driven a lot. A policy that improperly rates your Golf is just wasting money. Make sure your auto insurance policy properly reflects the correct driver usage, because improper ratings can cost you money.
• Do safer cars cost less to insure? – Cars with high safety ratings tend to have lower insurance rates. Highly rated vehicles protect occupants better and reduced instances of injuries translates directly to fewer claims which can mean better rates for you. If your Volkswagen Golf scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
• Raise coverage deductibles and save – Your deductibles are how much you are willing to pay in the event of a claim. Protection for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some instances where coverage would apply are collision with another vehicle, damage from fire, and damage from wind. The higher the amount you choose to pay out-of-pocket, the less money you will pay for auto insurance on Golf insurance.
• Insurance is expensive for younger drivers – Inexperienced drivers tend to be inattentive when behind the wheel therefore auto insurance rates are much higher. If you’ve ever had to add a youthful driver onto a policy can break the bank. More mature drivers are more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.
• Save money by having good credit – Having a bad credit rating can be a huge factor in calculating your premium rate. Therefore, if your credit history is lower than you’d like, you could potentially save money when insuring your 2016 Volkswagen Golf by spending a little time repairing your credit. Insureds that have excellent credit tend to file fewer claims and have better driving records than drivers who have poor credit scores.

Do I just need basic coverages?

When it comes to buying coverage, there is no best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine whether you could use an agent’s help.

• Can my babysitter drive my car?
• Does my insurance cover a custom paint job?
• Does my 2016 Volkswagen Golf need full coverage?
• What is UM/UIM insurance?
• Where can I get insurance after a DUI in my state?
• Am I covered if I drive in a foreign country?
• What discounts do I qualify for?
• Which is better, split liability limits or combined limits?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete your zip code.

Are you falling for claims of savings?

Companies like Allstate, GEICO and Progressive consistently run ads in print and on television. They all try to convey promises about how much you will save after switching to them. But how can every company lower your car insurance rates? This is how they do it.

Companies are able to cherry pick for the type of insured that will be a good risk. For instance, this type of driver may be over the age of 50, has a clear driving record, and drives a safe vehicle. Any customer who matches those parameters will get low rates and will also save money with a new company.

Drivers who do not fit the requirements will probably have to pay a higher rate which results in the customer buying from a different company. Company advertisements say “drivers who switch” not “everyone that quotes” save that much. This is how companies can make the claims of big savings. That is why you need to get auto insurance quotes as often as possible. It is impossible to guess which auto insurance company will have the lowest rates.

Specifics of your car insurance policy

Learning about specific coverages of your car insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Auto liability

Liability insurance can cover damage or injury you incur to a person or their property. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like medical expenses, emergency aid, medical services, bail bonds and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive coverage

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

Comprehensive can pay for things like falling objects, theft and hail damage. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses such as hospital visits, pain medications, prosthetic devices, rehabilitation expenses and doctor visits. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision coverage pays for damage to your Golf resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with another moving vehicle, hitting a mailbox, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your 2016 Volkswagen Golf.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Find Good Coverage for Less

Consumers switch companies for any number of reasons including delays in responding to claim requests, unfair underwriting practices, high rates after DUI convictions or even not issuing a premium refund. Regardless of your reason, finding a new company is not as difficult as it may seem.

When shopping online for insurance, don’t be tempted to buy poor coverage just to save money. There have been many cases where someone dropped liability coverage limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy the best coverage you can find at the best price and still be able to protect your assets.

We just presented many ideas to lower your 2016 Volkswagen Golf insurance rates. The key thing to remember is the more times you quote, the higher your chance of finding the cheapest auto insurance. You may be surprised to find that the best rates are with some of the smallest insurance companies.