2022 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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Having to pay for high-priced Volkswagen Golf insurance can empty your personal savings and make it tough to pay other bills. With so many companies and agents to choose from, it can be difficult for drivers to pick a lower cost insurance company.

It’s a great practice to compare premium rates once or twice a year due to the fact that insurance prices fluctuate regularly. If you had the best price on Golf coverage a couple years back you can probably find a better rate now. Forget all the misinformation about insurance because we’re going to show you the best methods to remove unneeded coverages and save money.

Finding affordable protection is quite easy. If you have a current auto insurance policy or need new coverage, you will benefit by learning to get lower rates while maximizing coverage. Drivers only need an understanding of the most efficient way to compare prices over the internet.

How to shop insurance coverage online

All major insurance coverage companies allow consumers to get price estimates online. Getting prices online is possible for anyone because you just enter into a form. Once you submit the form, their quoting system requests your driving and credit reports and generates a price. This makes it simple to compare prices but the work required to visit a lot of sites and type in your information gets old quite quickly. Unfortunately, it is important to get many rate quotes if you want to find the lowest insurance coverage rates.

There is a better way!

An easier way to compare rates utilizes a single form that analyzes rates from a lot of companies. The form is fast, requires much less work on your part, and makes online quotes a lot less work. As soon as you send your information, your coverage is rated with multiple companies and you can pick any or none of the pricing results.

If you find a better price you can simply submit the application and purchase coverage. The whole process only takes a few minutes and you will find out if you’re overpaying now.

To fill out one form to compare multiple rates now, simply enter your zip code here and enter your vehicle and coverage information. If you currently have coverage, we recommend you enter the coverage information as shown on your current policy. Doing this assures you will have a fair comparison based on identical coverages.

Can you really save $494 a year?

Consumers can’t get away from ads that claim the best prices by State Farm, Allstate and GEICO. They all seem to make the same claim about how much you will save if you just switch your policy.

How is it possible that every company can give you a lower rate?

All companies have a certain “appetite” for the type of customer that earns them the most money. For example, a desirable insured might have to be over the age of 50, has a clear driving record, and drives less than 5,000 miles a year. Any person that meets those criteria will get a cheap rate quote and as a result will probably save quite a bit of money when switching.

Potential customers who are not a match for those criteria will have to pay higher premium rates and this results in the customer not buying. If you pay attention, the ads say “customers that switch” not “everyone who quotes” can get the lowest rates when switching. That’s why companies can truthfully state the savings.

This illustrates why you really should compare quotes as often as possible. Because you cannot predict which insurance company will fit your personal profile best.

How your Golf insurance rates are determined

Lots of factors are used in the calculation when premium rates are determined. Some of the criteria are obvious such as traffic violations, but others are more obscure such as whether you are married or your vehicle rating. The best way to find cheaper car insurance is to take a look at a few of the rating criteria that come into play when calculating the rates you pay for car insurance. If you understand what determines premiums, this enables informed choices that could result in better car insurance rates.

The list below includes some of the items used by companies to determine rates.

  • How many coverages with the same company – Many car insurance companies allow lower prices for people who have multiple policies with them such as combining an auto and homeowners policy. Even with this discount, drivers will still want to comparison shop to confirm you are receiving the best rates possible. It’s possible to still save even more even if you insure with multiple companies.
  • Safer cars cost less to insure – Safe vehicles can get you lower premiums. Vehicles built for safety reduce the chance of injuries and better occupant protection means less claims paid which can mean better rates for you. If your Volkswagen Golf has ratings of a minimum four stars on Safercar.gov it is probably cheaper to insure.
  • Low coverage deductibles can be expensive – Physical damage insurance, aka comp and collision, insures against damage to your Volkswagen. Examples of covered claims would be collision with another vehicle, collision with an animal, and damage caused by flying debris. Your deductibles are the amount of money you are willing to pay out-of-pocket in the event of a claim. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance on Golf coverage.
  • Single vs. married – Being married actually saves money when shopping for car insurance. Having a significant other translates into being more responsible it has been statistically shown that married couples file fewer claims.
  • Avoid coverage lapses – Driving without insurance is not a good idea and you will pay a penalty because you let your insurance expire. In addition to paying higher premiums, getting caught without coverage will get you a license revocation or jail time.
  • Careless driving leads to higher premiums – Your driving record has a lot to do with how much you pay for insurance. Even one driving citation can boost insurance rates substantially. Drivers with clean records get better rates than their less careful counterparts. Drivers who have received dangerous violations such as DUI, reckless driving or excessive speeding may be required to maintain a SR-22 with the DMV in their state in order to legally drive a vehicle.

Earn discounts on insurance

Companies don’t necessarily list every discount very clearly, so the next list breaks down some of the more common in addition to some of the lesser obvious insurance savings.

  • Switch and Save Discount – Some larger companies provide a discount for signing up prior to your current policy expiration. Ten percent is about the average savings.
  • Defensive Driving Course – Taking part in a defensive driver course could possibly earn you a 5% discount if your company offers it.
  • Low Mileage Discounts – Fewer annual miles on your Volkswagen could earn lower rates due to less chance of an accident.
  • Multi-Vehicle Discounts – Buying coverage for multiple vehicles on the same insurance policy can reduce the rates for all insured vehicles.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents and will save you 10% or more.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears you could get a free insurance policy, it doesn’t quite work that way. Any amount of discount will help lower your policy premium.

Popular insurance companies and some of the premium reductions they offer are detailed below.

  • GEICO offers discounts for anti-theft, anti-lock brakes, multi-policy, multi-vehicle, military active duty, emergency military deployment, and membership and employees.
  • Travelers has savings for new car, student away at school, IntelliDrive, save driver, hybrid/electric vehicle, payment discounts, and home ownership.
  • Nationwide includes discounts for accident-free, defensive driving, anti-theft, business or organization, easy pay, good student, and multi-policy.
  • Farmers Insurance may have discounts that include early shopping, youthful driver, pay in full, mature driver, and alternative fuel.
  • Esurance may include discounts for multi-policy, homeowner, DriveSense, emergency road assistance, online shopper, good student, and renters.
  • State Farm offers discounts including safe vehicle, anti-theft, good student, driver’s education, multiple autos, defensive driving training, and accident-free.
  • Progressive has discounts for good student, multi-vehicle, multi-policy, homeowner, online signing, and continuous coverage.
  • Mercury Insurance discounts include location of vehicle, annual mileage, age of vehicle, multi-car, low natural disaster claims, and good student.

When getting a coverage quote, ask all the companies the best way to save money. Discounts might not be available to policyholders everywhere.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help you determine whether you may require specific advice.

  • Do I benefit by insuring my home with the same company?
  • Do I have any recourse if my insurance company denies a claim?
  • Does coverage extend to my business vehicle?
  • Is there coverage for injuries to my pets?
  • How does medical payments coverage work?
  • What companies insure drivers after a DUI or DWI?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete your zip code. It only takes a few minutes and may give you better protection.

Information about specific coverages

Learning about specific coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on most insurance policies.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for expenses like EMT expenses, doctor visits and pain medications. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision coverage

Collision coverage covers 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 protects against claims such as backing into a parked car, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive insurance

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

Comprehensive can pay for claims like a broken windshield, falling objects, hitting a bird, vandalism and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance

This can cover damage that occurs to a person or their property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like medical services, funeral expenses, legal defense fees, repair costs for stationary objects and emergency aid. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Volkswagen Golf.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Normally these limits do not exceed the liability coverage limits.

Be a penny pincher

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. There have been many situations where an insured cut uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. Your goal is to buy enough coverage at the best possible price, but do not skimp to save money.

We just covered many ideas to save on 2022 Volkswagen Golf insurance. The key thing to remember is the more you quote auto insurance, the better chance you’ll have of finding inexpensive auto insurance. Drivers may discover the biggest savings come from some of the lesser-known companies. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

Some car insurance companies may not provide rate quotes online and usually these regional carriers provide coverage only through independent agencies. Cheaper car insurance is definitely available both online and from local insurance agents, so you should compare both to get a complete price analysis.

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