Compare 2018 Volkswagen Golf Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 3, 2024

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I can’t think of a single person who enjoys paying for insurance, especially when the cost is too high. Many insurance companies vie to insure your vehicles, so it’s not easy to compare every provider to discover the definitive lowest rate possible.

If you have a policy now or are shopping for new coverage, you will benefit by learning to cut your premiums while maximizing coverage. Buying car insurance is quite easy. Vehicle owners just need to understand the most efficient way to shop over the internet.

Do you qualify for discount insurance?

Some insurance providers do not advertise all possible discounts in an easy-to-find place, so here is a list some of the more common and the more hidden credits that may apply to you.

  • Drivers Ed for Students – Cut your cost by having your teen driver enroll and complete driver’s education in school or through a local driver safety program.
  • Discount for Good Grades – Being a good student may save as much as 25% on a insurance coverage quote. The good student discount can last well after school through age 25.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Home Ownership Discount – Owning your own home or condo may trigger a policy discount on insurance due to the fact that maintaining a home demonstrates responsibility.
  • Low Mileage – Keeping the miles down on your Volkswagen could be rewarded with slightly better prices than normal.
  • ABS and Traction Control Discounts – Cars that have anti-lock braking systems are safer to drive so companies give up to a 10% discount.
  • Buy New and Save – Insuring a new car can get you a discount since newer models are generally safer.
  • Safe Driver Discounts – Drivers who don’t get into accidents can pay as much as 50% less on Golf insurance compared to rates paid by drivers with frequent claims.
  • Federal Employees – Active or retired federal employment can earn a discount up to 10% on Golf insurance with select insurance companies.

Just know that some credits don’t apply to the overall cost of the policy. Some only apply to individual premiums such as medical payments or collision. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way.

Larger insurance companies and their possible discounts can be found below.

  • State Farm includes discounts for safe vehicle, Steer Clear safe driver discount, good student, multiple policy, and good driver.
  • American Family discounts include mySafetyValet, good driver, good student, bundled insurance, air bags, multi-vehicle, and TimeAway discount.
  • AAA may include discounts for AAA membership discount, good student, anti-theft, multi-car, education and occupation, multi-policy, and good driver.
  • GEICO may have discounts that include military active duty, federal employee, multi-policy, good student, anti-theft, seat belt use, and anti-lock brakes.
  • Mercury Insurance has discounts for accident-free, professional/association, multi-policy, multi-car, location of vehicle, and good driver.
  • Farmers Insurance offers premium reductions for good student, bundle discounts, homeowner, distant student, business and professional, and switch companies.
  • Progressive offers discounts including good student, multi-vehicle, online quote discount, online signing, multi-policy, continuous coverage, and homeowner.

When quoting, ask all the companies which discounts can lower your rates. Depending on the company, some discounts might not be available to policyholders in your state. If you would like to choose from a list of companies that can offer you the previously mentioned discounts, enter your zip code here.

What insurance coverages do I need?

When buying coverage for your vehicles, there really is no cookie cutter policy. Everyone’s needs are different so your insurance should reflect that These are some specific questions might point out if your insurance needs would benefit from an agent’s advice.

  • Am I covered when driving someone else’s vehicle?
  • How high should deductibles be on a 2018 Volkswagen Golf?
  • Are rock chip repairs covered?
  • Why do I need rental car insurance?
  • Can I rent a car in Mexico?
  • Does my personal policy cover me when driving out-of-state?
  • I don’t drive much so do I pay less?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

Save $386 a year? Really?

Consumers can’t ignore all the ads for the lowest price insurance by Progressive, Allstate and GEICO. All the companies make the point that drivers can save some big amount just by switching your policy.

It sounds good, but how can they all charge you a lower premium?

Insurance companies have underwriting criteria for a prospective insured that will generate a profit. For example, a driver they prefer may be between the ages of 30 and 45, has no driving citations, and drives a car with an anti-theft system. Any customer that meets those criteria will probably get the lowest car insurance rates and will probably cut their rates if they switch.

Potential customers who don’t qualify for those standards will be quoted higher prices and this results in the customer not buying. The ads say “drivers who switch” but not “all drivers who get quotes” save that kind of money. That’s the way insurance companies can claim big savings.

This emphasizes why it’s extremely important to compare many company’s premium rates. Because without a comparison, you cannot know the company that will fit you best based on your risk profile.

Car insurance coverages for a Volkswagen Golf

Having a good grasp of car insurance aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages offered by car insurance companies.

Liability car insurance – This coverage protects you from damages or injuries you inflict on other people or property. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has 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 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things like medical services, funeral expenses, bail bonds, medical expenses and attorney fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as rehabilitation expenses, doctor visits and dental work. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverage – Collision insurance will pay to fix damage to your Golf resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sustaining damage from a pot hole, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive car insurance – This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a deer, a tree branch falling on your vehicle, fire damage and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

A tidy conclusion

Low-cost 2018 Volkswagen Golf insurance can be sourced both online as well as from insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies do not provide price quotes online and usually these smaller companies sell through independent insurance agents.

You just read some good ideas how you can get a better price on 2018 Volkswagen Golf insurance. The most important thing to understand is the more you quote insurance coverage, the better likelihood of getting inexpensive insurance coverage. Drivers may discover the most savings is with a lesser-known regional company. Regional companies may have significantly lower premium rates on certain market segments than their larger competitors like Allstate, GEICO and Progressive.

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