Compare Volkswagen Golf Insurance Rate Quotes in Lubbock

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Volkswagen Golf insurance
Volkswagen Golf insurance image courtesy of QuoteInspector.com

Insurance rates Volkswagen Golf in LubbockThe best way we recommend to get discount car insurance rates is to compare prices once a year from insurance carriers in Lubbock.

  1. Get a basic knowledge of how companies price auto insurance and the changes you can make to keep rates down. Many factors that drive up the price like accidents, careless driving, and a substandard credit score can be improved by being financially responsible and driving safely. Later in this article we will cover information to find cheap rates and get additional discounts that may be available.
  2. Quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes for a wide range of insurance providers.
  3. Compare the new rate quotes to your existing coverage and see if you can save money. If you can save some money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Tell your current company to cancel your current policy and submit a down payment along with a signed application to your new insurance company. Don't forget to put the certificate of insurance in a readily accessible location in your vehicle.

A good piece of advice is to use the same deductibles and limits on each quote request and to quote with as many different insurance providers as possible. This provides an apples-to-apples comparison and the most accurate and complete price analysis.

Everyone knows that car insurance companies don't want you shop around. People who get price quotes annually will most likely switch car insurance companies because there is a significant possibility of finding a lower-priced company. Remarkably, a study showed that consumers who regularly shopped around saved on average $865 annually compared to people who don't regularly compare prices.

If finding the lowest rates on auto insurance in Lubbock is your ultimate goal, understanding how to get price quotes and compare insurance coverage can save time and make the process easier.

Locating the best insurance company for you in Lubbock is quite easy. If you have insurance now, you will surely be able to find the best rates using the ideas you're about to read. Comparison shoppers just have to use the tricks to compare insurance rates over the internet.

How to find affordable Volkswagen Golf insurance in Lubbock

The companies in the list below can provide free rate quotes in Lubbock, TX. To get the best auto insurance in Lubbock, it's a good idea that you visit as many as you can to find the cheapest auto insurance rates.

These discounts can lower your car insurance rates

Not too many consumers would say car insurance is affordable, but you can get discounts to reduce the price significantly. Certain credits will be shown when you get a quote, but less common discounts must be inquired about in order for you to get them.Cheaper car insurance with discounts

  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Drive Less and Save - Low annual miles could qualify for lower premium rates on the low mileage vehicles.
  • Responsible Driver Discount - Accident-free drivers can pay as much as 50% less than drivers with accidents.
  • E-sign Discounts - Some of the larger companies will give you a small discount for buying a policy and signing up on your computer.
  • Clubs and Organizations - Joining qualifying employment or professional organizations is a good way to get lower rates on your policy.
  • Lower Rates for Military - Being deployed with a military unit could be rewarded with lower prices.
  • Seat Belts Save - Buckling up and requiring all passengers to wear their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • Discount for Life Insurance - Select insurance companies reward you with a break if you buy life insurance.
  • Save over 55 - Drivers that qualify as senior citizens may be able to get a small decrease in premiums.

Consumers should know that most discounts do not apply to the entire cost. Most cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, nobody gets a free ride.

The chart below shows the difference between Volkswagen Golf insurance rates with and without discounts applied to the policy rates. The premiums are based on a female driver, no driving violations, no at-fault accidents, Texas 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 safe-driver, claim-free, marriage, multi-car, multi-policy, and homeowner discounts applied.

Companies and a summarized list of policyholder discounts are included below.

  • State Farm offers premium reductions for Drive Safe & Save, driver's education, student away at school, defensive driving training, multiple autos, passive restraint, and good student.
  • GEICO offers discounts including multi-vehicle, good student, daytime running lights, emergency military deployment, and driver training.
  • Liberty Mutual discounts include exclusive group savings, newly retired, teen driver discount, new vehicle discount, preferred payment discount, multi-car, and hybrid vehicle.
  • The Hartford may include discounts for vehicle fuel type, driver training, anti-theft, air bag, good student, and bundle.
  • MetLife may have discounts that include defensive driver, good driver, claim-free, accident-free, good student, multi-policy
  • Progressive policyholders can earn discounts including good student, homeowner, multi-policy, online quote discount, multi-vehicle, and continuous coverage.

Check with all companies you are considering what discounts are available to you. A few discounts may not apply in your area. To see a list of companies that provide some of the discounts listed above in Lubbock, click here to view.

Rates and detailed analysis

The rate table shown below showcases detailed analysis of coverage prices for Volkswagen Golf models. Having a good grasp of how insurance prices are formulated can help guide drivers when making decisions on the best policy to buy.

Volkswagen Golf Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $142 $312 $366 $22 $110 $952 $79
Golf 2.5 4-Dr Hatchback $160 $312 $366 $22 $110 $970 $81
Golf 2.0T Turbo Diesel 2-Dr Hatchback $160 $360 $366 $22 $110 $1,018 $85
Golf 2.0T Turbo Diesel 4-Dr Hatchback $160 $312 $366 $22 $110 $970 $81
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in specific zip code location which can raise or lower coverage rates noticeably.

Physical damage deductible comparison

The hardest decision when buying coverage is how high should your deductibles be. The figures shown below can help illustrate the rate difference of buying low and high coverage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Volkswagen Golf insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $294 $584 $382 $22 $114 $1,421 $118
Golf 2.5 4-Dr Hatchback $332 $584 $382 $22 $114 $1,459 $122
Golf 2.0T Turbo Diesel 2-Dr Hatchback $332 $672 $382 $22 $114 $1,547 $129
Golf 2.0T Turbo Diesel 4-Dr Hatchback $332 $584 $382 $22 $114 $1,459 $122
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Volkswagen Golf insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $240 $472 $382 $22 $114 $1,230 $103
Golf 2.5 4-Dr Hatchback $270 $472 $382 $22 $114 $1,260 $105
Golf 2.0T Turbo Diesel 2-Dr Hatchback $270 $542 $382 $22 $114 $1,330 $111
Golf 2.0T Turbo Diesel 4-Dr Hatchback $270 $472 $382 $22 $114 $1,260 $105
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price estimates do not factor in specific location information which can revise rates considerably.

Based on the data above, we can derive that using a $250 deductible will cost in the ballpark of $17 more each month or $204 annually than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you average at least 15 months between claim filings, you would save more money if you decide on a higher deductible.

The diagram below demonstrates how deductibles and can affect Volkswagen Golf insurance rates for different age groups of insureds. The premiums are based on a married female driver, full coverage, and no additional discounts are factored in.

Impact of violations and accidents on rates

The diagram below illustrates how traffic citations and at-fault claims increase Volkswagen Golf premium costs for different age groups of insureds. The costs are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

Do I need an insurance agent?

Many people would rather sit down with an agent and that is just fine! Professional agents can answer important questions and help file insurance claims. The best thing about comparing rates online is the fact that drivers can get lower rates and still have an agent to talk to.

Lubbock insurance agentsTo make it easy to find an agent, after completing this short form, your insurance coverage information is submitted to agents in your area that can provide free Lubbock auto insurance quotes for your business. You don't have to search for an agent because quoted prices will be sent immediately to your email address. If you want to get a price quote from one company in particular, you would need to jump over to their website to submit a rate quote request.

Deciding on a insurer is decision based upon more than just a cheap price quote. Here are some questions to ask:

  • By raising physical damage deductibles, how much would you save?
  • Did they already check your driving record and credit reports?
  • How long have they worked with personal auto insurance coverage?
  • Where are claims handled?
  • Does the company use OEM repair parts?
  • Are there any extra charges for paying monthly?

How to know if you need help

When quoting and choosing your policy for your vehicles, there isn't really a one-size-fits-all type of policy. Your financial needs are unique.Higher deductibles save money

For example, these questions might help in determining whether or not you would benefit from an agent's advice.

  • At what point should I drop full coverage?
  • What if an uninsured driver hits me?
  • When can I cancel my policy?
  • How much liability coverage do I need in Texas?
  • Is my dog or cat covered if injured in an accident?
  • Is business property covered if stolen from my car?
  • Is my teen driver covered when they drive my company car?

If you're not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It's fast, free and you can get the answers you need.

How You Can Control Volkswagen Golf Insurance Premiums

The best way to find cheaper auto insurance is to take a look at the different types of things that go into determining the price you pay for auto insurance. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that could result in cheaper rates.

The items below are some of the factors used by your company to calculate premiums.

  • Annual mileage and car insurance prices - The more you drive your Volkswagen each year the higher your rate. Many insurance companies calculate rates based on their usage. Vehicles left parked in the garage receive lower rates than those used for commuting. It's a smart idea to ensure your auto insurance policy reflects the correct usage for each vehicle, because improper ratings can cost you money. An incorrectly rated Golf can result in significantly higher rates.
  • More performance means higher rates - The performance level of the vehicle you are insuring makes a significant difference in your rates. The lowest base rates are generally reserved for smaller low performance passenger cars, but many other things help determine your insurance rates.

    The following chart uses these assumptions: married male driver age 30, full coverage with $500 deductibles, and no discounts or violations. It compares Volkswagen Golf insurance premiums compared to other models that have different performances.

  • Lower auto insurance rates by staying claim free - If you tend to file frequent claims, you shouldn't be surprised to get either policy cancellation or increased premiums. Insurance companies in Texas award better rates to drivers who are claim-free. Auto insurance is intended to be relied upon for more catastrophic claims.
  • Rates may be lower depending on your vocation - Did you know your career choice can influence rates? Careers like military generals, architects, and emergency personnel usually pay higher premiums than the average policyholder because of intense work requirements and incredibly demanding work hours. On the flip side, jobs like actors, students and performers get better rates.
  • Bad credit will cost you - Having a good credit history factor in calculating your auto insurance rates. Insureds with high credit ratings tend to be less risk to insure than those with worse credit. If your credit history can use some improvement, you may save money insuring your Volkswagen Golf by taking the time to improve your credit score.
  • Safer cars cost less to insure - Vehicles with good safety scores tend to have better insurance rates. These vehicles protect occupants better and fewer serious injuries means less claims paid and cheaper rates on your policy.
  • Claims statistics for a Volkswagen Golf - Auto insurance companies analyze historical claim data to help determine the rate you pay. Models that the data determines to have higher claim frequency or loss amount will have higher rates.

    The table below demonstrates the loss history for Volkswagen Golf vehicles. For each policy coverage type, the statistical loss for all vehicles as a whole is considered to be 100. Values that are under 100 imply a favorable loss record, while values that are above 100 point to more losses or an increased chance of larger losses than average.

    Auto Insurance Loss Data for Volkswagen Golf Models
    Vehicle 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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Three reasons insurance is important

Despite the fact that insurance is not cheap in Lubbock, maintaining insurance may not be optional for several reasons.

  • Most states have mandatory insurance requirements which means you are required to carry specific minimum amounts of liability insurance in order to drive the car. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you took out a loan on your Volkswagen, most lenders will make it mandatory that you carry insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank may insure your Volkswagen at a much higher premium rate and require you to reimburse them for the much more expensive policy.
  • Insurance protects both your Volkswagen Golf and your personal assets. It will also pay for many types of medical costs for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of insuring your car more than cancel out the cost, especially for larger claims. According to a 2015 survey, the average American driver overpays more than $820 a year so compare rates at least once a year to make sure the price is not too high.

One last thing about your coverage

We covered many tips how you can save on Volkswagen Golf insurance in Lubbock. The most important thing to understand is the more times you quote, the better likelihood of getting inexpensive Lubbock auto insurance quotes. You may even be surprised to find that the most savings is with a small local company.

When shopping online for car insurance, it's not a good idea to buy poor coverage just to save money. There have been many situations where an insured cut liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy the best coverage you can find for the lowest price but still have enough coverage for asset protection.

Some companies may not have rate quotes online and these smaller providers prefer to sell through independent insurance agents. Discount Volkswagen Golf insurance is possible from both online companies as well as from insurance agents, so you need to compare both to have the best chance of lowering rates.

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