How Much Does 2011 Volkswagen Golf Insurance Cost?

Have you had enough of trying to scrape together enough money to insure your Volkswagen every month? You are no different than millions of other drivers. Many auto insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates and get the definite best rates possible.

Insurance policy discounts

Insurance can cost an arm and a leg, but companies offer discounts that can help lower your rates. Most are applied at the time of purchase, but less common discounts must be specifically requested before you get the savings.

  • Distant College Student Discount – Any of your kids who live away from home to go to college and leave their car at home can be insured at a reduced rate.
  • Claim Free – Drivers with accident-free driving histories pay less when compared with drivers with a long claim history.
  • Discount for Low Mileage – Fewer annual miles on your Volkswagen may allow you to get slightly better insurancerates than normal.
  • Discount for Home Ownership – Being a homeowner can save you money because of the fact that having a home is proof that your finances are in order.
  • Braking Control Discount – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Discount for New Cars – Insuring a new car can cost up to 25% less because new vehicles keep occupants safer.
  • Theft Deterent Discount – Cars optioned with advanced anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Discounts for Federal Employees – Employees or retirees of the government may reduce rates when you quote car insurance on Golf coverage but check with your company.
  • Auto/Life Discount – Some companies give a discounted insurance rate on car insurance if you buy life insurance.

Just know that most discounts do not apply to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. Despite the appearance that you can get free auto insurance, companies don’t profit that way. But all discounts will definitely lower your policy cost.

A few popular companies and some of the premium reductions they offer can be read below.

  • Progressive offers discounts for online quote discount, multi-vehicle, online signing, multi-policy, and good student.
  • MetLife policyholders can earn discounts including multi-policy, accident-free, good student, claim-free, good driver, defensive driver
  • Mercury Insurance discounts include multi-car, annual mileage, age of vehicle, low natural disaster claims, good student, and professional/association.
  • Nationwide may include discounts for defensive driving, anti-theft, easy pay, family plan, and multi-policy.
  • GEICO may have discounts that include defensive driver, anti-theft, military active duty, five-year accident-free, multi-policy, and daytime running lights.
  • AAA has savings for AAA membership discount, education and occupation, good driver, pay-in-full, multi-car, multi-policy, and good student.

When getting a coverage quote, ask every prospective company which discounts you may be entitled to. Depending on the company, some discounts may not be available in your state. To see a list of providers that offer multiple discounts, click here.

Find Volkswagen Golf insurance more affordably

An important part of buying insurance is that you know some of the things that go into determining the rates you pay for auto insurance. When you know what positively or negatively influences your rates, this empowers consumers to make smart changes that may result in big savings. Multiple criteria are part of the calculation when pricing auto insurance. Some are pretty understandable such as traffic violations, but other criteria are more transparent like your vehicle usage or your vehicle rating.

Listed below are some of the factors used by insurance companies to determine rates.

  • Lower prices with continuous auto insurance coverage – Driving without insurance is illegal and companies may charge more for letting your insurance expire. And not only will your rates increase, not being able to provide proof of insurance will get you fines or a revoked license.
  • Avoid traffic tickets – Your driving record has a lot to do with how much you pay for insurance. Only having one speeding ticket or other violation could increase your next policy renewal by as much as thirty percent. Good drivers pay lower auto insurance prices compared to bad drivers. Drivers unfortunate enough to have careless violations like DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to legally drive.
  • Insurance is expensive for younger drivers – Older, more experienced drivers tend to be more responsible, file fewer claims , and usually have better credit.Youthful drivers are proven to be inattentive in a vehicle and because of this, their auto insurance rates are much higher.
  • Credit rating impact auto insurance premiums – An insured’s credit score can be an important factor in your rate calculation. If your credit score can be improved, you could be paying less to insure your 2011 Volkswagen Golf by taking the time to improve your credit score. Consumers who have excellent credit tend to be less risk to insure as compared to drivers with bad credit.
  • Liability insurance limits on your policy – Liability insurance will provide protection if ever you are found to be at fault for damages from an accident. It will provide legal defense coverage to defend your case. Liability insurance is pretty cheap compared to comp and collision, so do not skimp.
  • Married drivers pay less – Having a significant other can get you a discount on your policy. It demonstrates that you tend to be less irresponsible and insurance companies reward insureds because being married results in fewer claims.

How do I know if I need professional advice?

When buying coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions may help you determine if your situation could use an agent’s help.

  • Should I buy only the required minimum liability coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • What is the ISO rating for a 2011 Volkswagen Golf?
  • Do I have newly-aquired coverage?
  • What is an SR-22 filing?
  • Can I make deliveries for my home business?
  • Are my friends covered when driving my car?
  • What happens if I owe more than my 2011 Volkswagen Golf is worth?
  • Is my babysitter covered when using my vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Advertising and car insurance

Consumers can’t avoid all the ads that claim the cheapest prices from the likes of Allstate, GEICO and Progressive. They all seem to advertise the message about saving some big amount if you change your coverage.

How is it possible that every company can cost less than your current company? Here is how they do it.

Companies have an ideal profile for the driver that will be a good risk. For example, a preferred risk may be between the ages of 30 and 50, carries full coverage, and drives less than 7,500 miles a year. Any driver that fits those parameters will get the preferred prices and is almost guaranteed to cut their rates substantially.

Drivers who fall outside the “perfect” profile will probably have to pay more expensive rates which leads to the customer buying from someone else. If you listen to the ad wording, they say “people that switch” not “all people who quote” save the amount stated. This is how insurance companies can advertise the way they do.

Because of the profiling, it’s extremely important to do a price quote comparison at every renewal. It is just not possible to predict which company will give you the biggest savings.

Specific coverages for a Volkswagen Golf

Learning about specific coverages of a auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on most auto insurance policies.

Liability car insurance – This will cover damages or injuries you inflict on people or other property in an accident. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as court costs, attorney fees, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Comprehensive coverage (or Other than Collision) – This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like vandalism, fire damage, falling objects and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision – Collision coverage covers damage to your Golf from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, colliding with a tree, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for ambulance fees, dental work, surgery, doctor visits and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Be a smart shopper

Cost effective 2011 Volkswagen Golf insurance can be found online and from local agencies, and you should compare rates from both to get a complete price analysis. Some insurance companies may not provide the ability to get a quote online and most of the time these smaller providers only sell coverage through independent agents.

When trying to cut insurance costs, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where an insured cut comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage at the best price but still have enough coverage for asset protection.

In this article, we covered some good ideas how to save on 2011 Volkswagen Golf insurance. The key thing to remember is the more companies you get car insurance rates for, the better chance you’ll have of finding the cheapest car insurance. Drivers may discover the biggest savings come from a lesser-known regional company. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.

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