Save on Volkswagen Golf Insurance in Riverside

A recent auto insurance study discovered that the vast majority of auto insurance customers have been with the same company for more than four years, and roughly 40% of drivers have never compared rates with other companies. California drivers could save approximately 35% every year by just comparing rate quotes, but they just don’t understand the actual amount they would save if they swap their current policy for a cheaper one.

Insurance quote for Volkswagen Golf in RiversideThe easiest way to get affordable Volkswagen Golf insurance is to start comparing rates regularly from providers in Riverside. You can compare rates by following these guidelines.

An important note is to try to use the same level of coverage on every price quote and to quote with as many different companies as possible. This enables a fair rate comparison and a thorough price selection.

Buying the most affordable coverage in Riverside is actually quite simple. Essentially anyone who compares rates for insurance will more than likely find better rates. Although California consumers benefit from understanding the way insurance companies determine premium rates because it can help you find the best coverage.

Learn How to Lower Your Insurance Rates

Lots of things are used when you get your auto insurance bill. Most are fairly basic such as traffic violations, but other factors are less apparent such as whether you are married or your commute time.

The itemized list below are some of the most common factors that factor into your premiums.

Auto insurance policy lapses increase premiums – Driving with no insurance is a misdemeanor and as a result your rates will increase for letting your coverage lapse. Not only will you pay more, getting caught without coverage may earn you a steep fine or even jail time. You may have to submit proof of financial responsibility or a SR-22 with the California motor vehicle department.

Low mileage costs less – The more miles you rack up on your Volkswagen every year the higher the price you pay to insure it. Most companies charge to insure your cars based upon how the vehicle is primarily used. Vehicles that sit idle most of the time receive lower rates as compared to vehicles used primarily for driving to work. Make sure your declarations sheet properly reflects how each vehicle is driven, because it can save money. An improperly rated Golf can cost quite a bit.

Qualify for multi-policy discounts – The majority of insurers provide discounts to buyers who carry more than one policy. It’s known as a multi-policy discount. Even if you already get this discount, you may still want to compare Volkswagen Golf rates in Riverside to ensure the best deal.There is a good possibility that you can find lower rates even if you insure with multiple companies

City dwellers may pay more – Being located in small towns and rural areas has definite advantages when shopping for auto insurance. City drivers tend to have traffic congestion and more time behind the wheel. Less people living in that area translates into fewer accident claims as well as less vandalism and auto theft.

Volkswagen Golf insurance loss probability – Car insurance companies take into consideration historical loss data for every vehicle when they calculate premium costs for each model. Vehicles that have higher frequency or amount of claims will be charged more to insure. The table below demonstrates the actual insurance loss data for Volkswagen Golf vehicles.

For each insurance policy coverage type, the statistical loss for all vehicles, regardless of make, model or trim level, is set at 100. Numbers under 100 imply a favorable loss record, while numbers above 100 point to more frequent losses or tendency to have higher losses.


Volkswagen Golf Insurance Loss Statistics
Specific Volkswagen 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
Statistics from IIHS.org for 2013-2015 Model Years

The method we recommend to compare insurance rates from multiple companies is to know almost all companies participate in online systems to provide you with a free rate quote. The one thing you need to do is spend a couple of minutes providing details such as whether you drive to work or school, how much coverage you want, how many miles driven, and your occupation. Those rating factors is instantly sent to multiple car insurance providers and you will get price comparisons within a short period of time.

To find the cheapest car insurance rates, click here and complete the quick form.

The companies in the list below offer quotes in Riverside, CA. If multiple companies are listed, we suggest you get prices from several of them in order to get a fair rate comparison.

Volkswagen Golf insurance coverage information

The rate information below highlights detailed analysis of insurance coverage prices for Volkswagen Golf models. Being able to understand how car insurance premiums are figured can help drivers make decisions on the best policy coverages.


Volkswagen Golf Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $210 $426 $442 $26 $132 $1,236 $103
Golf 2.5 4-Dr Hatchback $238 $426 $442 $26 $132 $1,264 $105
Golf 2.0T Turbo Diesel 2-Dr Hatchback $238 $490 $442 $26 $132 $1,328 $111
Golf 2.0T Turbo Diesel 4-Dr Hatchback $238 $426 $442 $26 $132 $1,264 $105
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate quotes do not factor in garaging location in Riverside which can raise or lower premium rates greatly.

Should you raise deductibles?

One of the more difficult decisions when buying car insurance is where should you set your physical damage deductibles. The comparison tables below can help illustrate the rate differences between low and high policy deductibles. The first price estimate table uses a $100 deductible for physical damage and the second rate chart uses a $1,000 deductible.


Volkswagen Golf insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $380 $810 $442 $26 $132 $1,815 $151
Golf 2.5 4-Dr Hatchback $430 $810 $442 $26 $132 $1,865 $155
Golf 2.0T Turbo Diesel 2-Dr Hatchback $430 $932 $442 $26 $132 $1,987 $166
Golf 2.0T Turbo Diesel 4-Dr Hatchback $430 $810 $442 $26 $132 $1,865 $155
Get Your Own Custom Quote Go

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 $210 $426 $442 $26 $132 $1,236 $103
Golf 2.5 4-Dr Hatchback $238 $426 $442 $26 $132 $1,264 $105
Golf 2.0T Turbo Diesel 2-Dr Hatchback $238 $490 $442 $26 $132 $1,328 $111
Golf 2.0T Turbo Diesel 4-Dr Hatchback $238 $426 $442 $26 $132 $1,264 $105
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price estimates do not factor in your specific Riverside location which can revise coverage prices significantly.

Based on the data above, we can derive that using a $100 deductible costs approximately $51 more each month or $612 every year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go more than 18 months between claim filings, you would most likely save money if you choose a higher deductible. The numbers below show the way you can decide this on your own policy.

Average monthly premium for $100 deductibles: $157
Average monthly premium for $1,000 deductibles (subtract): – $106
Monthly savings from raising deductible: $51
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $51
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One important caveat is that a higher deductible results in more money out-of-pocket when you have a physical damage claim. You need to have some savings in the bank in order to pay more to get your vehicle repaired.

The illustration below demonstrates how deductible levels and can change Volkswagen Golf insurance premiums for different ages of insureds. The prices are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.

Bad driving habits will cost you more

The chart below shows how speeding tickets and at-fault accidents can drive up Volkswagen Golf car insurance costs for different insured age categories. The information is based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

Premiums by gender and age

The diagram below shows the comparison of Volkswagen Golf annual premium costs for male and female drivers. The costs are based on a clean driving record, no at-fault accidents, full physical damage coverage, $100 deductibles, single status, and no other discounts are factored in.

Comparison of full coverage and liability-only policies

The illustration below compares Volkswagen Golf yearly insurance costs with full coverage compared to only the California minimum liability coverage. The premiums assume no driving violations, no at-fault accidents, $500 deductibles, drivers are single, and no discounts are applied.

When to drop full coverage

There isn’t a written rule for dropping physical damage coverage, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Volkswagen Golf replacement cost is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $6,000 after paying your deductible. If you are currently paying more than $600 a year for full coverage, then it could be time to drop full coverage.

There are a few cases where dropping full coverage is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not remove full coverage.

Why do I need car insurance?

Despite the fact that insurance is not cheap in Riverside, insurance is not optional due to several reasons.

The benefits of carrying enough insurance greatly outweigh the cost, specifically if you ever have a liability claim. The average driver in California overpays as much as $855 a year so it’s recommended you shop around each time the policy renews to help ensure money is not being wasted.

Get cheap rates on Volkswagen Golf insurance in Riverside with these insurance discounts

Insurance is neither fun to buy or cheap, but there’s a good chance there are discounts to help offset the cost. Certain credits will be shown when you purchase, but some need to be specially asked for before being credited.Save money with discounts

Don’t be surprised that most discounts do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like you can get free auto insurance, insurance companies wouldn’t stay in business. Any amount of discount will lower the amount you have to pay.

The information below compares Volkswagen Golf insurance prices with and without discounts. The rates are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, claim-free, marriage, and safe-driver discounts applied.

Insurance companies that may include some of the above discounts include:

When quoting, ask each insurance company how you can save money. Discounts may not be offered everywhere. To see a list of companies that can offer you the previously mentioned discounts in California, click here to view.

Car insurance is available from your local insurance agencies

Some people prefer to go talk to an agent and that can be a smart move One of the benefits of comparing insurance prices online is that drivers can save money and get lower rates and still have a local agent. And buying from local insurance agents is especially important in Riverside.

To find an agent, once you fill out this simple form, your insurance data is emailed to companies in Riverside who will gladly provide quotes for your coverage. It makes it easy because there is no need to leave your computer since price quotes are sent to your email. You can most likely find cheaper rates without a big time investment. If you want to get a rate quote from a specific company, don’t hesitate to navigate to their website and fill out the quote form the provide.

If you would like to find a local agent, it can be helpful to understand the types of insurance agents and how they differ in how they quote coverages. Riverside agents are either exclusive or independent agents depending on their company appointments.

Independent Agencies or Brokers

Independent insurance agents are not limited to a single company so they can write business with many different companies and find the cheapest car insurance rates. If premiums increase, the business is moved internally and you don’t have to do anything. When comparing rates, you will want to include price quotes from a few independent agents to have the most options to choose from. Most independent agents also contract with different regional companies that may have much lower rates than larger companies.

Listed below are Riverside independent insurance agents that may be able to provide free rate quotes.

More Riverside agents

Exclusive Agents

Agents of this type write business for a single company and examples are Allstate, Farmers Insurance or State Farm. Exclusive agents cannot compare rates from other companies so always compare other rates. These agents receive extensive training on sales techniques and that allows them to sell at a higher price point. Consumers frequently buy from exclusive agents mainly due to loyalty to the company rather than low price.

The following is a short list of exclusive insurance agents in Riverside willing to provide price quotes.

More Riverside agents

Finding the right insurance agent shouldn’t rely on just the premium amount. These are some questions you should get answers to.

Car insurance can be complex

Always remember that when buying adequate coverage for your personal vehicles, there really isn’t a perfect coverage plan. You are unique.Car insurance savings

These are some specific questions may help you determine whether you might need an agent’s assistance.

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Lower rates by being persistent

We just showed you many ideas to compare Volkswagen Golf insurance premium rates in Riverside. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the lowest premium rates come from a smaller regional carrier.

Some insurance providers may not have online quoting and most of the time these small insurance companies only sell through independent agents. Budget-friendly auto insurance in Riverside is available both online as well as from insurance agents, so compare prices from both in order to have the best chance of saving money.

Insureds leave their current company for a number of reasons such as an unsatisfactory settlement offer, being labeled a high risk driver, extreme rates for teen drivers and even delays in paying claims. Regardless of your reason for switching companies, choosing a new company can be easy and end up saving you some money.

More information is available at the links below