2020 Volkswagen Golf Insurance Quotes in 2024

Looking for cheaper car insurance rates for your Volkswagen Golf? No car owner gets a kick out of paying for car insurance, especially when they could get a better deal.

Companies like Progressive, State Farm and GEICO increase brand awareness with catchy ads and consumers find it hard to sift through the bull and take the time to shop coverage around.

It’s important to quote other rates at least once a year because prices are rarely the same from one policy term to another. Despite the fact that you may have had the best price on Golf insurance a few years ago you can probably find a better rate now. There is a lot of bad advice regarding car insurance on the internet, but in this article, you’re going to get some excellent ideas to find affordable car insurance.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Choosing the best insurance company for you is easy if you know what you’re doing. But consumers need to have an understanding of how the larger insurance companies sell online because it can help you find the best coverage.

Free auto insurance rate quotes

There are a lot of ways to compare auto insurance quotes, but one way is more efficient than others. You could spend your day discussing policy coverages with insurance companies in your area, or you can stay home and use online quoting to maximize your effort.

Many popular insurance companies participate in a marketplace where insurance shoppers submit one quote, and every company provides a quote. This eliminates the need for repetitive form submissions to each company. To compare rates using this form now enter your zip code here.

The one disadvantage to comparing rates this way is buyers cannot specifically choose which insurance companies to get quotes from. So if you prefer to choose individual companies to compare, we have a listing of low cost auto insurance companies in your area. Click to enter zip code for insurance companies.

You can choose any of those ways to find more affordable coverage, but be sure you’re using the exact same coverage limits on every quote. If the quotes have unequal deductibles or liability limits it will be impossible to make an equal comparison. Just slight variations in insurance coverages could throw off the whole comparison. Just remember that comparing a large number of companies will improve the odds of getting more affordable insurance. Some regional insurers cannot provide quotes online, so it’s important to also get price quotes from them, too.

Car insurance policy discounts you can’t miss

Companies that sell car insurance don’t list all possible discounts in a way that’s easy to find, so the list below gives a summary of both well-publicized and the harder-to-find discounts that may be available.

• Driver Safety – Successfully completing a course that instructs on driving safety could save 5% or more if you qualify.
• Accident-Free Discounts – Claim-free drivers are rewarded with significantly better rates on insurance quote in comparison to frequent claim filers.
• First Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies may permit one accident without raising rates if your claims history is clear for a particular time prior to the accident.
• College Student – Youth drivers who live away from home at college and do not take a car to college may be insured at a cheaper rate.
• Fewer Miles Equal More Savings – Keeping the miles down on your Volkswagen may allow you to get cheaper rates.
• Good Student – Maintaining excellent grades can earn a discount of 20% or more. Most companies allow this discount until age 25.
• Discounts for New Vehicles – Buying a new car instead of a used car may earn a small discount because newer vehicles are generally safer.

As a footnote on discounts, most discounts do not apply to the entire policy premium. A few only apply to specific coverage prices like collision or personal injury protection. Even though it appears adding up those discounts means a free policy, you aren’t that lucky.

Some of the larger companies that may include these benefits possibly include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

When quoting, ask each insurance company what discounts are available to you. Discounts may not apply to policies everywhere. If you would like to see a list of insurance companies that have a full spectrum of discounts, enter your zip code here.

Insurance agents can help

When choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that might help in determining whether your personal situation will benefit from professional help.

• Does having multiple vehicles earn me a discount?
• How can I force my company to pay a claim?
• Does coverage extend to my business vehicle?
• I have a DUI can I still get coverage?
• Where can I find DUI or SR-22 insurance?
• How much can I save by bundling my policies?
• Am I covered when delivering products for my home-based business?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, complete your zip code.

Insurance premium influencing factors

Many factors are used when you get your auto insurance bill. Some of the criteria are obvious such as your driving history, but others are more transparent like your vehicle usage and annual miles driven. An important part of buying insurance is that you know the rating factors that come into play when calculating the level of your policy premiums. If you understand what influences your rates, this enables informed choices that may reward you with lower rates.

• Employer stress can affect rates – Did you know your career choice can influence rates? Jobs such as military generals, airline pilots and accountants are shown to have the highest rates in part from high stress and lengthy work days. On the flip side, jobs such as professors, students and the unemployed have the lowest average rates on Golf insurance.
• Policy lapses lead to higher car insurance rates – Letting your insurance expire is a sure-fire way to increase your car insurance rates. Not only will rates go up, getting caught without coverage may result in a steep fine or even jail time. You could then be forced to file a SR-22 with your state department of motor vehicles.
• Incidental coverages you don’t use – Insurance policies have a lot of extra add-on coverages that can waste your money on your 2020 Golf policy. Things like roadside assistance, accidental death, and term life insurance may be wasting your money. They may seem like a good idea when talking to your agent, but if you have no use for them remove them from your policy.
• Accidents are costly – Being a careful driver has a big impact on rates. Just one speeding ticket can increase rates twenty percent or more. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Drivers who have gotten careless violations such as DUI, reckless driving or excessive speeding may need to prove financial responsibility with their state motor vehicle department in order to legally drive.
• Improve your credit rating and save – A driver’s credit score is likely to be a major factor in calculating your car insurance rates. People that have high credit scores tend to be better risks to insure than those with poor credit scores. If your credit rating can be improved, you could pay less to insure your 2020 Volkswagen Golf by improving your rating.
• Prevent your car from being stolen – Selecting a car model that has an advanced theft prevention system can help lower your premiums. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder vehicle theft.
• Consolidate policies and save – Most insurers afford a discount to insureds that purchase more than one policy. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even if you already get this discount, it’s still a good idea to compare rates to help guarantee you have the best rates. There is a good possibility that you can find a better deal by insuring with multiple companies.

Big names are not always cheapest

Companies like 21st Century, Allstate and State Farm endlessly run ads on TV and radio. They all advertise the message about savings if you just switch your insurance coverage policy to them. Is it even possible that every company can charge you a lower premium? This is the way they can do it.

All the different companies have specific criteria for the type of driver that is profitable for them. A good example of a profitable insured may need to be between the ages of 30 and 50, has no tickets, and drives less than 5,000 miles a year. Anybody who meets those qualifications will get very good prices and most likely will cut their rates substantially.

Insureds who do not meet these standards will be quoted a higher premium and ends up with the customer not purchasing. If you listen closely, the ads state “people that switch” not “everyone who quotes” save that much when switching. This is how companies can state the savings.

This emphasizes why it is so important to compare price quotes frequently. It’s just too difficult to predict the company that will have the lowest premium rates for your situation.

Insurance policy specifics

Having a good grasp of a insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages offered by insurance companies.

Liability car insurance

Liability insurance will cover damage that occurs to other’s property or people. This insurance protects YOU against other people’s claims. 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. You might see policy limits 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 total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as pain and suffering, funeral expenses and loss of income. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto coverage

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

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, theft and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses for things like X-ray expenses, chiropractic care, pain medications, prosthetic devices and doctor visits. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Volkswagen Golf.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage

This coverage will pay to fix damage to your Golf resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

More quotes. Lower rates.

When you buy insurance online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut uninsured motorist or liability limits only to regret that it was a big mistake. Your goal should be to purchase a proper amount of coverage for the lowest cost while still protecting your assets.

Throughout this article, we presented a lot of information how to shop for 2020 Volkswagen Golf insurance online. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the lowest rates come from some of the smallest insurance companies. Regional companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.