Cheap Volkswagen Golf Insurance in Philadelphia

Do you want a faster way to compare the cheapest Volkswagen Golf insurance in Philadelphia? Are you kicking yourself for buying an overpriced car insurance policy? Trust us when we tell you many Philadelphia drivers have buyer’s remorse.

Astonishing but true according to a recent study, over 70% of consumers renewed their policy with the same company for a minimum of four years, and nearly 40% of drivers have never compared rates from other carriers. Consumers in Philadelphia can save hundreds of dollars each year by just comparing quotes, but they just feel it’s too hard to find affordable rates by getting comparison quotes.

Big-name insurance companies like GEICO and Progressive all promote huge savings with ad campaigns and it is difficult to separate fact from fiction and take the time to shop coverage around.

If you are insured now, you should be able to find the best rates using the tips covered below. Locating the best rates in Philadelphia is not rocket science. Nevertheless, Pennsylvania drivers must know how insurance companies charge you for coverage and apply this information to your search.

Volkswagen Golf insurance quotes comparison

The are a couple different ways of comparing rate quotes from many available insurance companies in Pennsylvania. One of the best ways to compare Volkswagen Golf insurance prices is to get quotes online.

Comparing free rates online is easy and it, makes it obsolete to drive around to all the different Philadelphia insurance agencies. The ability to buy insurance online has made agencies unnecessary unless you have a complicated situation and need the professional assistance that can only be provided by a licensed insurance agent. Although you can compare online quotes and still use a local agent.

Just keep in mind that making a lot of price comparisons increases your odds of finding the best price.

The companies shown below are ready to provide price quotes in Pennsylvania. If the list has multiple companies, we suggest you visit two to three different companies to get a more complete price comparison.

Rates and statistics

The information shown next outlines a range of insurance prices for Volkswagen Golf models. Having insight into how insurance rates are established can assist in making smart choices when comparing insurance quotes.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can decrease or increase premium rates significantly.

Higher deductibles lower rates

One of the hardest decisions when shopping for auto insurance is where to set your physical damage deductibles. The rates below may help to conceptualize the differences in price when you buy lower versus higher coverage deductibles. The first pricing table uses a $250 deductible for physical damage and the second data table uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Table data does not factor in specific zip code location which can increase or decrease rates significantly.

Using the data above, we can ascertain that using a $250 deductible costs roughly $27 more each month or $324 annually across all Volkswagen Golf models than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 28 months between claims, you would probably come out ahead if you elect the higher deductible.

The diagram below highlights how deductible selection and can increase or decrease Volkswagen Golf yearly insurance costs for each different age category. The premiums are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.

Protect your Volkswagen Golf and other assets

Despite the potentially high cost of Volkswagen Golf insurance, insuring your vehicle is a good idea for several reasons.

First, just about all states have minimum liability requirements which means you are required to buy a specific level of liability coverage if you don’t want to risk a ticket. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your Golf has a loan, it’s most likely the lender will make it a condition of the loan that you have full coverage to guarantee payment of the loan. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Volkswagen at a significantly higher premium and force you to pay a much higher amount than you were paying before.

Third, insurance preserves both your Volkswagen and your assets. Insurance will also pay for most medical and hospital costs that are the result of an accident. Liability insurance also pays expenses related to your legal defense if you are sued as the result of your driving. If your Volkswagen gets damaged, comprehensive and/or collision insurance will cover the repair costs.

The benefits of having insurance outweigh the cost, especially with large liability claims. But the average driver in Pennsylvania is currently overpaying as much as $865 each year so we recommend shopping around at every policy renewal to be sure current rates are still competitive.

Volkswagen Golf Insurance Premium Factors

Many things are part of the equation when you get your auto insurance bill. Some of the criteria are obvious like your driving record, but other factors are less apparent like your continuous coverage or how financially stable you are. It’s important that you understand some of the elements that are used to determine the level of your policy premiums. If you have some idea of what impacts premium levels, this enables informed choices that will entitle you to lower premium levels.

Shown below are a few of the things companies use to determine your rates.

• Gals pay lower prices – Over the last 30 years, statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that women are better drivers. Both genders cause at-fault accidents in similar numbers, but guys tend to have more serious accidents. In addition to higher claims, males also have more aggressive citations like driving under the influence (DUI). Young men ages 16 to 20 tend to get in the most accidents and therefore have the most expensive auto insurance rates.

  The example below visualizes the comparison of Volkswagen Golf insurance prices for male and female drivers. The prices are based on no accidents, no driving violations, comp and collision included, $250 deductibles, drivers are single, and no additional discounts are factored in.

• Poor credit can mean higher premiums – Having a bad credit rating can be an important factor in calculating your auto insurance rates. Therefore, if your credit score is low, you could potentially save money when insuring your Volkswagen Golf if you improve your credit rating. Insureds with excellent credit scores tend to be better drivers and file fewer claims as compared to drivers with bad credit.

• Rates increase with driving citations – How you drive has a big impact on rates. Good drivers receive lower rates as compared to careless drivers. Having just one citation can increase rates twenty percent or more. Drivers who have gotten multiple violations such as DUI, reckless driving or excessive speeding may find they need to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to keep their license.

  The illustration below demonstrates how citations and fender-benders can influence Volkswagen Golf insurance costs for each age group. The prices are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

• How your age affects rates – Teen drivers in Pennsylvania are statistically shown to be inattentive and easily distracted when behind the wheel so they pay higher auto insurance rates. If you’ve ever had to add a young driver onto your auto insurance can cause a big jump in price. More mature drivers are more cautious drivers, tend to file fewer claims, and tend to be get fewer driving tickets.

  The following data is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Volkswagen Golf claim data – Companies analyze the history of losses in order to profitably underwrite each model. Models that the data shows to have increased claim numbers or amounts will have a higher cost to insure. The next table shows the actual insurance loss data for Volkswagen Golf vehicles.

  For each coverage category, the loss probability for all vehicles, regardless of manufacturer or model, equals 100. Numbers shown that are under 100 indicate a favorable loss history, while values over 100 point to more frequent losses or statistically larger claims.

  
  

  Insurance Loss Ratings for Volkswagen Golf Vehicles

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Volkswagen Golf	109		97

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Discounts mean cheaper rates for Volkswagen Golf insurance in Philadelphia

Car insurance can be pricey, but you might already qualify for some discounts that you may not even know about. Some of these discounts will be visible at the time of purchase, but once in a while a discount must be specifically requested prior to getting the savings.

• Full Payment Discount – If you pay your entire premium ahead of time rather than paying in monthly installments you could save 5% or more.
• Discount for Passive Restraints – Factory options such as air bags may earn rate discounts of 20 to 30 percent.
• Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and earn discounts up to 10% off your Philadelphia auto insurance quote.
• Buy New and Save – Insuring a vehicle that is new can save up to 30% compared to insuring an older model.
• Professional Organizations – Joining qualifying clubs or civic groups can get you a small discount on car insurance.
• Own a Home and Save – Owning your own home or condo may earn you a small savings because owning a home demonstrates responsibility.
• Student Discounts – Getting good grades can get you a discount of up to 25%. Most companies allow this discount up to age 25.
• No Claim Discounts – Drivers who don’t have accidents can earn big discounts in comparison to drivers who are more careless.
• Government Employees – Simply working for the federal government can save as much as 8% with select insurance companies.
• Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle up can save 10% or more off the medical payments premium.

It’s important to understand that some credits don’t apply to the entire policy premium. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way.

The example below illustrates the comparison of Volkswagen Golf insurance costs with and without discounts applied. The premium estimates are based on a female driver, no tickets, no at-fault accidents, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, multi-policy, homeowner, safe-driver, and claim-free discounts applied.

To view car insurance companies who offer car insurance discounts in Philadelphia, click here.

Auto insurance agents near you

A small number of people still prefer to get professional advice from a licensed agent and that is a personal choice. A good thing about getting free rate quotes online is you can get cheaper premium rates and still have a local agent. Buying from and supporting local insurance agencies is especially important in Philadelphia.

After filling out this form (opens in new window), your insurance data is emailed to companies in Philadelphia who can give free rate quotes to get your business. You won’t even need to leave your computer since price quotes are sent instantly to you. You can most likely find cheaper rates without requiring a lot of work. If you wish to get a comparison quote from a specific insurance company, just navigate to their website and submit a quote form there.

If you want a good insurance agency, you need to know there are two different agency structures that you can select. Agents in Philadelphia are considered either independent agents or exclusive agents depending on their employer.

Independent Insurance Agents

Independent agencies are not required to write business for one company so they can write business through many companies and get the cheapest rates. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to switch agencies. If you are comparing insurance prices, you need to get insurance quotes from a couple of independent agencies so that you can do a thorough price comparison.

The following is a list of independent agents in Philadelphia that can give you free insurance quotes.

More Philadelphia agents

Exclusive Insurance Agencies

These agents normally can only provide a single company’s rates like Allstate, AAA, Farmers Insurance, and State Farm. They usually cannot shop your coverage around so you might not find the best rates. Exclusive agencies are highly trained on the products they sell which aids in selling service over price.

Shown below is a list of exclusive agencies in Philadelphia that can give you comparison quotes.

More Philadelphia agents

Finding the right insurance agency shouldn’t rely on just a cheap quote. The following questions are important to ask.

• Does the agency have a good rating with the Better Business Bureau?
• Do the companies they represent have a solid financial rating?
• Will the agent or a CSR service your policy?
• Can glass claims be handled at your home?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Do they get paid more for recommending certain coverages?

Affordable auto insurance premiums are possible

Cheaper Volkswagen Golf insurance in Philadelphia is attainable online and also from your neighborhood Philadelphia agents, so you should compare both in order to have the best chance of saving money. Some companies do not provide online price quotes and usually these regional carriers only sell coverage through independent insurance agents.

In this article, we presented a lot of ways to lower your Volkswagen Golf insurance car insurance rates in Philadelphia. The key concept to understand is the more price quotes you have, the better likelihood of getting affordable Volkswagen Golf insurance quotes. You may even find the lowest priced auto insurance comes from a lesser-known regional company. Smaller companies may only write in your state and offer lower premium rates than the large multi-state companies such as Allstate or State Farm.

When getting Philadelphia auto insurance quotes online, it’s a bad idea to reduce needed coverages to save money. There are a lot of situations where someone sacrificed full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible at the best cost but still have enough coverage for asset protection.

More tips and info about auto insurance can be read in these articles:

• Tread Depth and Tire Safety (State Farm)
• Who Has the Cheapest Philadelphia Auto Insurance Rates for Ride Shares? (FAQ)
• How Much is Philadelphia Auto Insurance for Teenage Males? (FAQ)
• Who Has Cheap Auto Insurance for a Toyota RAV4 in Philadelphia? (FAQ)
• How Much are Car Insurance Quotes for a 20 Year Old Male in Philadelphia? (FAQ)
• What Car Insurance is Cheapest for Safe Drivers in Philadelphia? (FAQ)
• Who Has Affordable Car Insurance Quotes for Drivers Over Age 70 in Philadelphia? (FAQ)
• What Auto Insurance is Cheapest for Young Drivers in Philadelphia? (FAQ)
• What is a Telematics Device? (Allstate)
• Five Tips to Save on Auto Insurance (Insurance Information Institute)
• What is Full Coverage? (Allstate)
• Vehicle Insurance in the U.S. (Wikipedia)