Are you burned out from not being able to afford to pay auto insurance each month? You are no different than many other Indiana drivers.
A recent auto insurance study discovered that a large majority of drivers have purchased from the same company for more than four years, and just short of a majority have never compared auto insurance rates at all. Most drivers in the United States can cut their rates by $859 a year, but most undervalue the rate savings if they switched to a more affordable policy. Consumers have so many insurers to purchase coverage from, and although it's nice to have a selection, so many choices can make it hard to find the best rates for Volkswagen Golf insurance in Fort Wayne.
It's important to compare rates as often as possible since insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal on Volkswagen Golf insurance in Fort Wayne two years ago there is a good chance you can find better prices now. Forget anything you know (or think you know) about auto insurance because I'm going to let you in on the secrets to how to use the internet to find better coverage on Volkswagen Golf insurance in Fort Wayne at a better price.
Locating the best rates in Fort Wayne is really quite easy. If you already have coverage or are just looking to switch companies, you can use these tips to save money without reducing protection. Comparison shoppers just need to learn the tricks to shop for car insurance from many different companies online.
Getting a low cost price on insurance can be surprisingly simple. All that's required is to take time comparing rates to find out which insurance company has low cost Fort Wayne car insurance quotes.
Doing online rate quotes comparisons is so easy that it takes the place of having to actually drive to each insurance agency near you. Quoting and buying Volkswagen Golf insurance online makes this process obsolete unless you have a complicated situation and need the advice and guidance of a licensed agent. However, consumers can compare the best prices online but have your policy serviced through an agent.
The companies in the list below are ready to provide quotes in Indiana. If more than one company is shown, we recommend you visit two to three different companies in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Golf 2.5 2-Dr Hatchback||$116||$266||$294||$18||$88||$782||$65|
|Golf 2.5 4-Dr Hatchback||$130||$280||$318||$18||$94||$840||$70|
|Golf 2.0T Turbo Diesel 2-Dr Hatchback||$192||$452||$364||$22||$110||$1,140||$95|
|Golf 2.0T Turbo Diesel 4-Dr Hatchback||$234||$504||$294||$18||$88||$1,138||$95|
|Get Your Own Custom Quote Go|
Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price information does not factor in specific garaging location which can decrease or increase insurance rates significantly.
Male drivers compared to female drivers
The example below illustrates the comparison of Volkswagen Golf car insurance rates for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, full physical damage coverage, $250 deductibles, marital status is single, and no policy discounts are applied.
Physical damage deductibles: Should you raise them?
The chart below illustrates how your deductible choice and can raise or lower Volkswagen Golf premium costs for each age group. The costs are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
How much more does full coverage cost?
The example below examines Volkswagen Golf auto insurance costs when comparing full coverage to liability only. The data assumes no claims or driving citations, $100 deductibles, single female driver, and no policy discounts are applied.
When to eliminate full coverage
There isn't a written rule to eliminate physical damage insurance, but there is a general school of thought. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let's assume your Volkswagen Golf book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $8,000 after paying your deductible. If you are currently paying more than $800 a year for full coverage, the it may be a good time to stop paying for full coverage.
There are a few cases where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage in place.
Auto insurance is not optional but you don't have to overpay
Even though Fort Wayne Golf insurance rates can get expensive, maintaining insurance serves several important purposes.
- The majority of states have mandatory insurance requirements which means state laws require specific limits of liability insurance coverage 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.
- If you have a lien on your Volkswagen Golf, most lenders will make it a condition of the loan that you carry insurance to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank may insure your Volkswagen at an extremely high rate and force you to reimburse them for the much more expensive policy.
- Auto insurance preserves not only your vehicle but also your financial assets. Insurance will also pay for medical bills for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of insuring your car are definitely more than the cost, especially for larger claims. Despite what companies tell you, the average driver overpays more than $865 each year so you should quote and compare rates at least once a year to save money.
Is there truth in advertising?
Consumers in Indiana can't avoid all the ads that claim the best premium rates by companies like Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim about how much you will save if you just switch your insurance policy to them.
How is it plausible that every one can offer you a better deal on Volkswagen Golf insurance in Fort Wayne?
Insurance providers provide the lowest rates for the type of customer that will add to their bottom line. An example of a desirable risk should be between the ages of 30 and 45, has a clean driving record, and drives a car with an anti-theft system. A propective insured who matches that profile will probably get the lowest rates and most likely will pay quite a bit less when switching companies.
Potential customers who don't meet the requirements may be forced to pay higher premium rates which results in the customer not purchasing. The wording the ads use say "customers that switch" not "everyone who quotes" save that much when switching. That is how companies can advertise the way they do. This really emphasizes why you should do a rate comparison at every renewal. It is just not possible to predict which insurance company will have the lowest Volkswagen Golf insurance in Fort Wayne.
Fort Wayne auto insurance discounts
Auto insurance companies don't always list all discounts very well, so we researched both the well known as well as some of the hidden auto insurance savings. If you aren't receiving every discount available, you are not getting the best rate possible.
- Early Renewal Discounts - Some companies give discounts for switching companies before your current Golf insurance policy expires. It can save you around 10%.
- Seat Belt Discounts - Drivers who require all vehicle occupants to wear their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
- Driver's Education for Students - It's a good idea to have your young drivers successfully take a driver's education course as it will make them better drivers and lower rates.
- Buy New and Save - Insuring a new Golf is cheaper compared to insuring an older model.
- Braking Control Discount - Vehicles equipped with ABS or steering control are safer to drive and the ABS can save up to 10%.
We need to note that most credits do not apply to your bottom line cost. Most only cut specific coverage prices like medical payments or collision. Despite the appearance that it's possible to get free car insurance, it doesn't quite work that way.
If you would like to choose from a list of insurers with significant discounts in Fort Wayne, click here to view.
Local Fort Wayne auto insurance agents
A lot of people still like to buy from a licensed agent and that can be a great decision Most agents are highly skilled in risk management and will help you if you have claims. A nice benefit of comparing rate quotes online is the fact that drivers can get the best rates and still have an agent to talk to.
After filling out this simple form, your insurance coverage information is emailed to participating agents in Fort Wayne that can give you free Fort Wayne car insurance quotes for your coverage. You won't even need to drive around because prices are sent immediately to your email address. If you wish to quote rates for a specific company, feel free to navigate to their website and fill out their quote form.
Finding the right insurer should depend on more than just a cheap price quote. Below are some questions you should ask.
- How are claims handled?
- How much training do they have in personal risk management?
- Will you work with the agent or an assistant?
- How will an accident affect your rates?
- Do they specialize in personal lines coverage in Fort Wayne?
- Which family members are covered?
- Are there any discounts for paying up front?
How to choose the best car insurance agent in Fort Wayne
When narrowing the list to find a reputable insurance agent or broker, you should know the different agency structures and how they can quote your rates. Auto insurance agents in Fort Wayne are either exclusive or independent. Both do a good job, but it is important to understand how they are different because it can factor into which type of agent you select.
Exclusive Insurance Agencies
These type of agents can usually just insure with one company like AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to provide prices from multiple companies so keep that in mind. These agents are well trained on their company's products which helps overcome the inability to quote other rates.
Below are Fort Wayne exclusive insurance agencies that are able to give price quote information.
W.C. Starks - State Farm Insurance Agent
3818 S Calhoun St - Fort Wayne, IN 46807 - (260) 744-4357 - View Map
Independent Agencies or Brokers
These agents are not locked into one company so they can quote policies with many different companies enabling the ability to shop coverage around. If you want to switch companies, they can switch companies in-house without you having to go to a different agency. If you are comparing rate quotes, you will want to get quotes from a couple of independent agencies to get the best comparison.
Shown below is a list of independent insurance agents in Fort Wayne willing to provide comparison quotes.
Affordable Agency Inc
2314 Lake Ave - Fort Wayne, IN 46805 - (260) 485-2526 - View Map
The coverage is in the details
Knowing the specifics of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you'll find the usual coverages found on most insurance policies.
Uninsured and underinsured coverage
This gives you protection when the "other guys" either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle's damage.
Because many people carry very low liability coverage limits (25/50/10), it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for X-ray expenses, dental work and nursing services. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like vandalism, hitting a deer, hitting a bird and falling objects. The highest amount your insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.
Coverage for collisions
Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as scraping a guard rail, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It's also possible to bump up the deductible on your Golf to save money on collision insurance.
This provides protection from injuries or damage you cause to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/10 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $10,000.
Liability insurance covers claims such as court costs, repair bills for other people's vehicles, medical services and medical expenses. How much liability should you purchase? That is up to you, but buy higher limits if possible. Indiana requires minimum liability limits of 25/50/10 but you should think about purchasing more coverage.
In the end, you can save money
As you quote Fort Wayne car insurance, it's a bad idea to reduce needed coverages to save money. In many cases, an insured dropped liability coverage limits to discover at claim time that it was a big mistake. The ultimate goal is to buy enough coverage at the best possible price and still be able to protect your assets.
Some insurance companies may not have price quotes online and usually these smaller providers only sell coverage through independent agencies. Cheaper Volkswagen Golf insurance in Fort Wayne can be purchased on the web as well as from independent agents in Fort Wayne, and you should compare rates from both to have the best chance of lowering rates.
Much more information about car insurance in Indiana is located at these links:
- Auto Insurance FAQ (Farmers Insurance)
- What Insurance is Cheapest for a Chevrolet Equinox in Indiana? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Teenagers in Indiana? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Business Use in Indiana? (FAQ)
- Who Has the Cheapest Indiana Auto Insurance for a Nissan Altima? (FAQ)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Uninsured Motorist Statistics (Insurance Information Institute)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)