Would you like to stop overpaying and find more competitive Volkswagen Golf insurance in Evansville? Searching for low-cost insurance for a Volkswagen Golf in Indiana can normally be difficult, but you can learn the following methods to save time.
There are both good and bad ways to shop for car insurance so we're going to tell you the best way to compare rates on a Volkswagen and get the cheapest rates either online or from Evansville insurance agents.
Shopping around for the most affordable policy in Evansville is easy to do. If you're already insured or are just looking to switch companies, you can use these tips to find the best rates while maximizing coverage. Shoppers only need an understanding of the most time-saving way to get comparison quotes using one simple form.
How Your Golf Insurance Rates are Determined
Many things are part of the calculation when you quote your car insurance policy. Most are fairly basic such as your driving record, although some other factors are not as apparent like your continuous coverage or how safe your car is.
The itemized list below are some of the items car insurance companies consider when setting premiums.
Cheaper rates for prior coverage - Driving any period of time without insurance can get your license suspended and you will pay a penalty because you let your coverage have a gap. Not only will you pay more, getting caught without coverage may earn you a revoked license or a big fine. You will then be forced to file a SR-22 with the Indiana motor vehicle department.
Vehicle options that lower premiums - Selecting a car model with anti-theft technology or alarm system can help lower your rates. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms all help prevent your vehicle from being stolen.
Better rates on safer cars - Vehicles with good safety scores tend to be cheaper to insure. The safest vehicles have better occupant injury protection and lower injury rates translates directly to fewer claims and cheaper rates on your policy. If your Volkswagen Golf scored better than four stars on Safercar.gov it is probably cheaper to insure.
An active insurance claims history can cost you - If you are the type of insured that files lots of claims you should expect much higher rates or policy non-renewal. Insurance companies in Indiana give the best rates to drivers who only file infrequent claims. Insurance coverage is designed for the bigger claims that can't be paid out-of-pocket.
Battle of the sexes - The statistics show females are less aggressive when driving. However, don't assume that females are better drivers. They both are responsible for auto accidents at a similar rate, but the male of the species have costlier accidents. In addition to higher claims, males also receive more major tickets like driving under the influence (DUI).
Stressful employer may mean higher premiums - Do you have a high-stress occupation? Occupations such as real estate brokers, architects and medical professionals are shown to have higher rates than average attributed to high stress and incredibly demanding work hours. Conversely, professions such as actors, athletes and performers get better rates.
Insurance loss data for Volkswagen Golf vehicles - Companies include the past claim trends for vehicles to determine a price that will be profitable for them. Models that tend to have increased losses will have higher rates. The information below illustrates the compiled insurance loss statistics for Volkswagen Golf vehicles.
For each coverage type, the statistical loss for all vehicles, as a total average, is represented as 100. Numbers shown that are under 100 indicate better than average losses, while values that are above 100 point to more losses or larger claims.
Volkswagen Golf Insurance Loss Statistics
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
The majority of larger companies allow you to get prices for coverage from their websites. Obtaining pricing for Volkswagen Golf insurance in Evansville is pretty easy because you just enter the amount of coverage you want into the quote form. Behind the scenes, their rating system will obtain credit information and your driving record and returns a price based on the information you submitted.
Using the web to get quotes for Volkswagen Golf insurance in Evansville makes it easy to compare insurance prices and it's absolutely necessary to have as many quotes as possible if you are searching for the best rate.
To quickly compare rates using this form now, compare quotes from the companies shown below. If you currently have coverage, we recommend you input the coverage information identical to your current policy. Doing this guarantees you're receiving a fair comparison based on the exact same insurance coverage.
The companies shown below have been selected to offer price quotes in Evansville, IN. If multiple providers are shown, we suggest you get rates from several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Golf 2.5 2-Dr Hatchback||$152||$358||$318||$18||$94||$940||$78|
|Golf 2.5 4-Dr Hatchback||$190||$366||$270||$16||$80||$922||$77|
|Golf 2.0T Turbo Diesel 2-Dr Hatchback||$172||$392||$294||$18||$88||$964||$80|
|Golf 2.0T Turbo Diesel 4-Dr Hatchback||$172||$340||$318||$18||$94||$942||$79|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates noticeably.
Rate comparison of male drivers versus female drivers
The illustration below shows the difference between Volkswagen Golf premium costs for male and female drivers. The rate quotes are based on no claims or violations, comp and collision included, $500 deductibles, marital status is single, and no other discounts are factored in.
Truth in car insurance advertising
Consumers in Indiana get pounded daily by advertisements that claim the cheapest rates by State Farm, GEICO and Progressive. All the ads say the same thing about saving some big amount if you switch to them.
How does every company offer drivers better rates? It's all in the numbers.
Companies have strict underwriting profiles for the type of driver that earns them the most money. A good example of a profitable customer may need to be between the ages of 30 and 50, has few claims, and drives a vehicle with a low ISO rating. A customer who fits those characteristics will get the preferred rates in Evansville and will probably cut their rates substantially.
Potential customers who cannot meet those criteria will have to pay a higher premium and the prospect going elsewhere. The trick is to say "people that switch" not "everybody who quotes" can get the lowest rates when switching. That's why companies can advertise the savings.
This really drives home the point why you absolutely need to get Evansville auto insurance quotes from several different companies. It is just not possible to predict which insurance companies will have the lowest Volkswagen Golf insurance in Evansville.
Insuring your Volkswagen Golf just makes sense
Despite the high cost of buying insurance for a Volkswagen Golf in Evansville, maintaining insurance serves an important purpose.
First, almost all states have mandatory insurance requirements which means you are required to carry specific minimum amounts of liability protection in order to get the vehicle licensed. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you took out a loan on your vehicle, more than likely the lender will require that you have physical damage coverage to guarantee loan repayment. If you default on your policy, the lender may insure your Volkswagen for a lot more money and force you to pay for the expensive policy.
Third, car insurance protects not only your Volkswagen Golf but also your assets. Insurance will also pay for medical bills for you, any passengers, and anyone injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your Volkswagen gets damaged, your car insurance policy will pay to restore your vehicle to like-new condition.
The benefits of carrying adequate insurance greatly outweigh the cost, especially with large liability claims. An average driver in America is overpaying over $810 a year so it's very important to do a rate comparison once a year at a minimum to ensure rates are inline.
Score discounts to get cheaper Evansville insurance rates
Companies offering auto insurance do not list every discount they offer very well, so the next list breaks down some of the more common and also the lesser-known credits available to bring down your rates.
- Defensive Driver - Completing a driver safety class is a good idea and can lower rates and easily pay for the cost of the class.
- Paperless Signup - A handful of companies may give you up to $50 for buying your policy on your computer.
- Good Student - Maintaining excellent grades could provide a savings of up to 20% or more. This discount can apply up to age 25.
- Telematics Data - Evansville drivers who agree to allow their company to track driving manner by using a telematics device in their vehicle like Allstate's Drivewise may see discounts if they have good driving habits.
- Claim-Free Discount - Drivers with accident-free driving histories pay less when compared to drivers who are more careless.
- Early Payment Discounts - By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
You should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to specific coverage prices like comp or med pay. So when the math indicates having all the discounts means you get insurance for free, that's just not realistic.
Larger insurance companies and the discounts they provide include:
- Travelers may include discounts for save driver, student away at school, home ownership, IntelliDrive, continuous insurance, multi-policy, and hybrid/electric vehicle.
- 21st Century discounts include defensive driver, teen driver, anti-lock brakes, good student, air bags, homeowners, and driver training.
- State Farm may have discounts that include multiple policy, driver's education, defensive driving training, good student, student away at school, and safe vehicle.
- GEICO offers premium reductions for good student, air bags, membership and employees, federal employee, emergency military deployment, and multi-vehicle.
- SAFECO policyholders can earn discounts including safe driver, homeowner, bundle discounts, drive less, and teen safety rewards.
- AAA has savings for good driver, AAA membership discount, multi-policy, pay-in-full, anti-theft, and good student.
When getting free Evansville auto insurance quotes, it's a good idea to every company which discounts you may be entitled to. Some discounts listed above might not be available to policyholders in your state. To see insurance companies who offer online Volkswagen Golf insurance quotes in Evansville, follow this link.
Local Evansville insurance agencies and auto insurance
A lot of people just want to buy from a local agent and that is a personal choice. Professional agents will help you protect your assets and will help you if you have claims. One of the great benefits of comparing insurance prices online is the fact that you can find better rates and also buy local. Buying from and supporting neighborhood agents is important particularly in Evansville.
By using this quick form, your coverage information gets sent to companies in Evansville who can give free rate quotes for your insurance coverage. You won't even need to leave your house due to the fact that quote results will go directly to you. If for some reason you want to get a comparison quote from a specific insurance company, don't hesitate to go to their quote page to submit a rate quote request.
If you are searching for local Evansville agents, it's helpful to know the different types of agencies and how they function. Auto insurance agents can be classified as either independent agents or exclusive agents. Both can write auto insurance policies, but it's worth mentioning how they are different because it can impact which agent you choose.
Independent Auto Insurance Agents
Independent agencies do not sell for just one brand and that allows them to write policies with many different companies and find you cheaper rates. If your premiums go up, an independent agent can move your coverage and that require little work on your part.
If you are comparing auto insurance prices, you will want to check rates from multiple independent agents for the best price selection. Many can place coverage with small mutual carriers which can be an advantage.
Listed below are Evansville independent agencies that can give you free auto insurance rate quotes.
- Archer Insurance
2603 N First Ave - Evansville, IN 47710 - (812) 464-3633 - View Map
- Crosspointe Insurance Advisors
401 SE 6th St #106 - Evansville, IN 47708 - (888) 788-1565 - View Map
- Shepherd Insurance and Financial Services
7424 Eagle Crest Blvd - Evansville, IN 47715 - (812) 473-5100 - View Map
Exclusive Insurance Agents
These type of agents work for only one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents are unable to provide other company's prices so you might not find the best rates. Exclusive agents are usually well trained on the products they sell which can be an advantage. Consumers frequently use the same exclusive agent partially due to loyalty to the company rather than low rates.
Below is a short list of exclusive insurance agents in Evansville who can help you get rate quotes.
- Allstate Insurance: Laura L. Sanders
2612 E Morgan Ave - Evansville, IN 47711 - (812) 476-4285 - View Map
- AAA Insurance Agent: Tim Cornelius
7820 Eagle Crest Blvd - Evansville, IN 47715 - (812) 477-9966 ext. 248 - View Map
- Indiana Farm Bureau Insurance
445 N Cross Pointe Blvd # 120 - Evansville, IN 47715 - (812) 479-9902 - View Map
Finding the right car insurance agent should include more criteria than just the bottom line cost. These are some questions you should get answers to.
- Is their price quote a firm figure or are their hidden costs?
- Is coverage determined by price?
- Are you getting all the discounts the company offers?
- Does the agent have a valid license to sell insurance in Indiana?
- Does the agency support the community they serve?
- Will the company cover a rental car if your car is getting fixed?
More effort can pay off
Discount Volkswagen Golf insurance in Evansville can be found from both online companies and from local agencies, and you should be comparing both to get a complete price analysis. There are still a few companies who do not offer the ability to get quotes online and many times these smaller providers only sell through local independent agencies.
When trying to cut insurance costs, you should never sacrifice coverage to reduce premiums. In many cases, an accident victim reduced full coverage only to regret they didn't have enough coverage. Your focus should be to find the BEST coverage at the best possible price, not the least amount of coverage.
You just learned a lot of information how to reduce Volkswagen Golf insurance premium rates online in Evansville. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may even discover the best price on car insurance is with a small local company.
To learn more, link through to the articles below:
- Senior Drivers (Insurance Information Institute)
- Who Has Affordable Car Insurance for a Ford Fusion in Indiana? (FAQ)
- Who Has Cheap Indiana Auto Insurance for a Honda Pilot? (FAQ)
- Who Has the Cheapest Indiana Car Insurance for Felons? (FAQ)
- Who Has the Cheapest Indiana Auto Insurance for Low Mileage Drivers? (FAQ)
- Crash Avoidance Technologies FAQ (iihs.org)
- Driving in Bad Weather (Insurance Information Institute)
- Information for Teen Drivers (GEICO)
- Insuring a Leased Car (Insurance Information Institute)