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.

Discount Volkswagen Golf insuranceAstonishing 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.

Volkswagen Golf Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $254 $506 $330 $20 $98 $1,208 $101
Golf 2.5 4-Dr Hatchback $288 $506 $330 $20 $98 $1,242 $104
Golf 2.0T Turbo Diesel 2-Dr Hatchback $288 $582 $330 $20 $98 $1,318 $110
Golf 2.0T Turbo Diesel 4-Dr Hatchback $288 $506 $330 $20 $98 $1,242 $104
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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.

Volkswagen Golf insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $254 $506 $330 $20 $98 $1,233 $103
Golf 2.5 4-Dr Hatchback $288 $506 $330 $20 $98 $1,267 $106
Golf 2.0T Turbo Diesel 2-Dr Hatchback $288 $582 $330 $20 $98 $1,343 $112
Golf 2.0T Turbo Diesel 4-Dr Hatchback $288 $506 $330 $20 $98 $1,267 $106
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Volkswagen Golf insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $158 $318 $330 $20 $98 $924 $77
Golf 2.5 4-Dr Hatchback $178 $318 $330 $20 $98 $944 $79
Golf 2.0T Turbo Diesel 2-Dr Hatchback $178 $366 $330 $20 $98 $992 $83
Golf 2.0T Turbo Diesel 4-Dr Hatchback $178 $318 $330 $20 $98 $944 $79
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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.

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.Cheaper car insurance with discounts

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.

7338 Frankford AvePhiladelphia, PA 19136(215) 335-6878View Map

Rexach Insurance Agency
2932 N 5th StPhiladelphia, PA 19133(215) 229-6320View Map

4901 Frankford AvePhiladelphia, PA 19124(215) 827-0800View Map

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.

4201 I StPhiladelphia, PA 19124(215) 288-7992View Map

326 S 19th St Ste 2Philadelphia, PA 19103(215) 772-0100View Map

1347 E Hunting Park AvePhiladelphia, PA 19124(215) 533-9010View Map

More Philadelphia agents

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

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.

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