How Much Does 2019 Volkswagen Golf Insurance Cost in 2024?

Searching for the cheapest insurance coverage rates for your Volkswagen Golf? Have you finally had enough of trying to scrape together enough money to buy insurance coverage? You have the same problem as millions of other people.

With so many different company options, it’s difficult to pick the right insurer.

Choosing the best insurance company for you is not rocket science. Basically, anyone who shops for insurance should be able to lower their premiums. But vehicle owners do need to learn how insurance companies sell insurance online.

How you can control Volkswagen Golf insurance costs

Smart consumers have a good feel for the rating factors that go into determining your premiums. If you have some idea of what determines premiums, this allows you to make good choices that can earn you big savings.

Shown below are some of the items companies use to determine your rates.

• Policy add-ons add up – There are a lot of add-on coverages that sound like a good idea at the time when buying insurance coverage. Coverages for rental car coverage, high-cost glass coverage, and membership fees are probably not needed. The coverages may be enticing when buying your policy, but your money might be better spent on other coverage so remove them from your policy.
• Safer cars means cheaper insurance – Safer cars tend to have better insurance rates. Vehicles engineered for safety reduce occupant injuries and any reduction in injury severity means lower claim amounts and lower rates for you.
• File a policy claims and pay more – If you’re an insured who likes to file claims don’t be surprised to see either a policy non-renewal or much higher rates. Insurance companies award discounts to drivers who file claims infrequently. Insurance coverage is intended for claims that you cannot pay yourself.
• Are you male or female? – Statistics demonstrate females are less aggressive when driving. It does not mean females are better at driving than males. Women and men cause at-fault accidents at a similar rate, but the men cause more damage. They also get cited for more serious violations like DUI and reckless driving.
• Save money by raising coverage deductibles – Deductibles for physical damage state the amount of money you are required to spend before your insurance coverage pays a claim. Physical damage protection, also called ‘full coverage’, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a stationary object, damage caused by hail, or theft of your vehicle. The more expense the insured has to pay upfront, the less your company will charge you for insurance on Golf coverage.

Cheaper rates with these insurance discounts

Buying insurance is not cheap, but there may be some discounts that you may not know about. Certain discounts will be applied at the time of quoting, but once in a while a discount must be specially asked for before they will apply.

• Senior Citizen Discount – Mature drivers may qualify for a small decrease in premiums on Golf coverage.
• Low Mileage – Driving less could earn substantially lower rates.
• Government Employee Discount – Federal government employees can save as much as 8% on Golf coverage depending on your company.
• Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
• Buy New and Save – Buying a new car model is cheaper compared to insuring an older model.
• Paperless Signup – A handful of larger companies give back up to $50 for signing up digitally online.
• Safety Restraint Discount – Requiring all passengers to buckle up can save a little off PIP or medical payments premium.
• Multiple Vehicles – Having multiple vehicles with the same insurance company can get a discount for every vehicle.

Just know that many deductions do not apply to the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

If you would like to see a list of providers that offer many of these discounts, enter your zip code here.

Car insurance advertising gotchas

Popular car insurance providers such as Allstate, GEICO and Progressive constantly bombard you with ads on TV and radio. All the ads make the same claim that you can save if you get a free insurance quote and switch your car insurance coverage to their company. It sounds good, but how can they all have lower policy pricing? You have to listen carefully.

Insurance providers quote the lowest rates for the type of customer they prefer to insure. For instance, this type of insured might be over the age of 40, has a clean driving record, and drives a car with an anti-theft system. A customer who matches those parameters will most likely get cheap rates and will most likely cut their rates substantially.

Insureds who are not a match for this stringent profile must pay higher premium rates which translates to the prospect going elsewhere. The ads say “customers that switch” not “everyone who quotes” save money. That’s the way insurance companies can confidently state the savings. Because each company has a different risk profile, you really should get a wide range of price quotes. Because you cannot predict with any certainty which company will provide you with the cheapest prices.

Car insurance can get complicated

When it comes to buying the best car insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions can aid in determining whether you might need professional guidance.

• Do I need medical payments coverage since I have good health insurance?
• How much liability insurance is required?
• Why am I be forced to buy a membership to get insurance from some companies?
• Are rock chip repairs covered?
• Do I need roadside assistance coverage?
• What is the ISO rating for a 2019 Volkswagen Golf?
• Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions, you may need to chat with an agent. If you don’t have a local agent, take a second and enter your zip code.

Insurance specifics

Knowing the specifics of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages offered by insurance companies.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your Volkswagen Golf.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

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

Comprehensive coverage pays for things such as damage from a tornado or hurricane, a tree branch falling on your vehicle and fire damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance – Liability insurance protects you from damage that occurs to other people or property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like pain and suffering, bail bonds, court costs and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for bills such as hospital visits, chiropractic care, doctor visits, ambulance fees and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, backing into a parked car, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Coverage on a shoestring budget

Budget-friendly auto insurance can be sourced on the web and from local agencies, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies do not provide online quoting and usually these regional insurance providers only sell through independent agents.

We’ve covered many ideas to get a better price on 2019 Volkswagen Golf insurance. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even find the most savings is with a smaller regional carrier. These smaller insurers may only write in your state and offer lower prices compared to the large companies like State Farm or Progressive.