How Much Does 2015 Volkswagen Golf Insurance Cost?

Trying to find cheaper car insurance rates for your Volkswagen Golf? No sane person looks forward to paying for car insurance, particularly when the prices are way too high.

Due to the fact that there are so many different company options, it is hard for the average consumer to choose the lowest cost car insurance company.

Which auto insurance is cheapest?

To find inexpensive insurance coverage quotes, there are several ways to compare quotes from companies that offer auto insurance in your state. The quickest method to find cheaper 2015 Volkswagen Golf rates consists of obtaining rate quotes online. This can be accomplished in several different ways.

Experts agree that the best way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This style of form prevents you from having to do repetitive form submissions for each company you want a rate for. In just a few minutes this one form will get you price quotes from multiple companies.

A slightly less efficient method to get comparison quotes requires visiting the website for each individual company and go through the quote process again. For sake of this example, we’ll pretend you want to see prices from USAA, Liberty Mutual and Farmers. To do that, you would have to navigate to each company’s site to enter the same coverage data repeatedly, which is why most consumers use the first method.

To view a list of companies in your area, click here.

The final way to comparison shop is physically going to local insurance agencies. The ability to buy insurance online eliminates the middleman unless you require the professional assistance that only an agent can give. It is possible with some companies compare online quotes but buy from a local insurance agent.

The approach you take is up to you, just make sure you use the exact same quote data for each price quote. If you compare different values for each quote you can’t possibly determine which company has the best rates. Just a small difference in limits may cause a big price difference. Just keep in mind that making a lot of price comparisons helps you find the best offered rates. Not every company does rate quotes online, so it’s important to also get price estimates on coverage from those companies, too.

Tailor your insurance coverage coverage to you

When it comes to buying coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your situation would benefit from professional advice.

Do I need roadside assistance coverage?
Should I bundle my homeowners policy with my auto?
Is my teenager covered with friends in the car?
Should I carry comprehensive and collision coverage?
Does my medical payments coverage pay my health insurance deductible?
Do I need medical payments coverage since I have good health insurance?
Is rental equipment covered for theft or damage?
Why does it cost so much to insure a teen driver?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Car insurance coverage information

Learning about specific coverages of your policy can be of help when determining the best coverages for your vehicles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages offered by auto insurance companies.

Liability car insurance

This coverage protects you from injuries or damage you cause to people or other property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like legal defense fees, attorney fees, bail bonds and emergency aid. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Uninsured or underinsured coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Volkswagen Golf.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical expense coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like surgery, EMT expenses, chiropractic care, dental work and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, damage from getting keyed, hitting a bird, a tree branch falling on your vehicle and hitting a deer. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, sideswiping another vehicle, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.