The most effective way to get discount Volkswagen Golf insurance is to compare quotes annually from insurers in Cleveland.
First, gain an understanding of how insurance companies determine prices and the things you can change to drop your rates. Many risk factors that result in higher prices like accidents, traffic tickets, and a less-than-favorable credit history can be controlled by making small lifestyle or driving habit changes.
Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like Progressive or Allstate, while independent agents can provide rate quotes from many different companies. Compare rates now
Third, compare the new quotes to the premium of your current policy and see if there is a cheaper rate. If you find better rates and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, notify your current company of your intent to cancel the current policy and submit the required down payment along with the signed application to the new company. Once the paperwork is finalized, place the new certificate verifying proof of insurance with your vehicle’s registration.
One piece of advice is to make sure you’re comparing the same level of coverage on every price quote and and to get rate quotes from every insurance company. Doing this enables a level playing field and many rates to choose from.
It’s safe to assume that auto insurance companies want to keep your business as long as possible. People who shop around at least once a year will probably move their business because they have good chances of finding coverage at a more affordable price. A recent survey revealed that drivers who routinely shopped around saved over $865 annually compared to those who never compared rates.
If finding the lowest price for Volkswagen Golf insurance is why you’re reading this, then learning a little about how to choose a company and compare coverage rates can make the process more efficient.
If you have coverage now, you stand a good chance to be able to reduce premiums using the ideas you’re about to read. Locating the best insurance company for you in Cleveland can initially seem challenging. But Ohio drivers must learn the methods companies use to calculate their prices because rates are impacted by many factors.
The are a couple different ways to compare rate quotes from companies that offer insurance in Ohio. The quickest method to find affordable Volkswagen Golf insurance rates is to jump online and get quotes.
Comparing price quotes online is fast and free, and it makes it a waste of time to go to each insurance agency near you. Doing it all online eliminates this option unless you have a need for the extra assistance of a licensed agent. Drivers can comparison shop your insurance online but have a local agent actually write the policy.
Just keep in mind that having more price comparisons increases your odds of finding more affordable insurance. Not every company does online Cleveland Golf insurance quotes, so you also need to get quotes on coverage from those companies, too.
The auto insurance companies shown below are ready to provide comparison quotes in Cleveland, OH. To get the cheapest auto insurance in Cleveland, we suggest you visit several of them to get the lowest price.
Insurance policy discounts for Volkswagen Golf insurance in Cleveland
Insurance is not cheap nor is it fun to buy but there could be available discounts to help bring down the price. Larger premium reductions will be automatically applied at quote time, but some discounts are required to be asked for in order for you to get them.
- Air Bag Discount – Vehicles equipped with air bags may earn rate discounts up to 30%.
- Paperwork-free – Some insurance companies will give you a small discount shop Cleveland car insurance on your computer.
- Good Drivers – Safe drivers can pay as much as 50% less than less cautious drivers.
- Lower Rates for Military – Having a deployed family member could trigger a small discount.
- Early Renewal Discounts – A few larger companies give discounts for switching to them early. Ten percent is about the average savings.
- Payment Method – If you pay your entire premium ahead of time rather than paying in monthly installments you may reduce your total bill.
- Federal Government Employee – Being employed by or retired from a federal job may qualify for a discount when you quote Cleveland car insurance depending on your insurance provider.
One last thing about discounts, most of the big mark downs will not be given to the whole policy. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think it’s possible to get free car insurance, it’s just not the way it works.
The example below compares Volkswagen Golf insurance rates with and without discounts. The prices are based on a female driver, no claims, a clean driving record, Ohio state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-car, multi-policy, and claim-free discounts applied.
Popular insurance companies and some of their more popular discounts are included below.
- 21st Century may include discounts for homeowners, anti-lock brakes, teen driver, air bags, and early bird.
- State Farm offers premium reductions for good student, defensive driving training, Steer Clear safe driver discount, multiple autos, accident-free, and Drive Safe & Save.
- AAA offers discounts for multi-policy, good student, multi-car, education and occupation, AAA membership discount, and good driver.
- Liberty Mutual offers discounts including newly retired, preferred payment discount, multi-car, newly married, new vehicle discount, teen driver discount, and new graduate.
- Progressive has discounts for online signing, online quote discount, homeowner, multi-vehicle, good student, multi-policy, and continuous coverage.
Before buying, ask each company or agent how many discounts you can get. A few discounts might not be available to policyholders in your state. If you would like to see a list of insurers that offer the discounts shown above in Ohio, follow this link.
Volkswagen Golf coverage analysis
The premium table shown next covers estimates of insurance costs for Volkswagen Golf models. Understanding how rate quotes are formulated can assist in making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $176 | $348 | $226 | $14 | $68 | $832 | $69 |
| Golf 2.5 4-Dr Hatchback | $198 | $348 | $226 | $14 | $68 | $854 | $71 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $198 | $400 | $226 | $14 | $68 | $906 | $76 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $198 | $348 | $226 | $14 | $68 | $854 | $71 |
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Estimates do not factor in garaging location in Cleveland which can raise or lower rates noticeably.
Full coverage versus liability only rates
The example below shows the comparison of Volkswagen Golf insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in Ohio. The prices are based on no claims or driving citations, $100 deductibles, single marital status, and no policy discounts are applied.
When to buy liability coverage only
There is no set guideline for excluding full coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s assume your Volkswagen Golf book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after the policy deductible has been paid. If it’s costing you more than $200 annually to have full coverage, then you might consider buying liability only.
There are some circumstances where only buying liability is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.
What is the best car insurance company in Ohio?
Insuring your vehicle with a highly-rated insurer is difficult considering how many companies sell coverage in Ohio. The company information shown below can help you analyze which auto insurance companies you want to consider comparing prices from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| Mercury Insurance | 87 | 95 | 87 | 84% | A+ | 88.3 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
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Data Source: Insure.com Best Car Insurance Companies
Choices You Make Can Impact Your Insurance Prices
One of the most helpful ways to save on insurance is to to have a grasp of the rating factors that help determine the level of your policy premiums. If you have some idea of what impacts premium levels, this allows you to make good choices that may result in lower insurance prices. Lots of things are considered when quoting car insurance. Some are pretty understandable such as traffic violations, although some other factors are more obscure like where you live or your financial responsibility.
Listed below are some of the items that factor into prices.
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Don’t get traffic citations – Having a clean driving record has a big impact on rates. Only having one citation can increase the cost of insurance by as much as thirty percent. Good drivers pay lower auto insurance prices compared to bad drivers. Drivers who have received careless citations like DUI or reckless driving are required to prove financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
The example below shows how speeding tickets and at-fault claims can affect Volkswagen Golf yearly insurance costs for each different age category. The rates are based on a single male driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.
- Your address can influence premiums – Living in small towns and rural areas is a positive aspect if you are looking for the lowest rates. Drivers who live in large cities tend to have traffic congestion and more time behind the wheel. Fewer people means reduced accidents and lower theft and vandalism rates.
- High credit saves on insurance – Having a bad credit score is likely to be a major factor in your rate calculation. If your credit history could use some work, you could pay less to insure your Volkswagen Golf by improving your credit score. People that have good credit tend to be better drivers and file fewer claims as compared to drivers with poor credit.
- File claims and pay more – If you file claims often, you can look forward to either policy cancellation or increased premiums. Companies in Ohio give the lowest premiums to insureds that do not abuse their auto insurance. Insurance coverage is intended for larger claims.
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Insurance is expensive for younger drivers – More experienced drivers are proven to be safer behind the wheel, cost insurance companies less in claims, and usually have better credit. Inexperience drivers are known to be easily distracted behind the wheel so they pay higher insurance rates.
The data below uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.
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Volkswagen Golf insurance loss probability – Insurers analyze past claim statistics when determining insurance rates. Models that historically have higher loss trends will have a higher premium rate. The next table illustrates the loss history for Volkswagen Golf vehicles.
For each policy coverage, the statistical loss for all vehicles compiled together is a value of 100. Values that are 100 or less suggest a positive loss record, while values that are above 100 indicate more frequent losses or an increased probability of a larger loss.
Insurance Loss Ratings for Volkswagen Golf Vehicles Specific Volkswagen Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Volkswagen Golf 109 97 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years