Are you tired of trying to scrape together enough money to buy car insurance? You’re in the same situation as most other car owners in Texas.
Having so many companies to choose from, it’s difficult to choose the most cost effective company.
Don’t pay full price with these discounts
Insuring your fleet can be pricey, but you may find discounts to help bring down the price. Some discounts apply automatically at the time of purchase, but less common discounts must be specially asked for before they will apply.
- Student Driver Training – Require your teen driver to enroll in driver’s education if it’s offered in school.
- No Accidents – Drivers with accident-free driving histories can earn big discounts as compared to accident-prone drivers.
- Military Rewards – Having a deployed family member could be rewarded with lower premiums.
- Federal Government Employee – Simply working for the federal government may qualify you for a discount for Golf insurance depending on your company.
- Discount for Good Grades – Getting good grades can save 20 to 25%. This discount can apply well after school through age 25.
- Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
- Multi-car Discount – Buying coverage for more than one vehicle on the same car insurance policy qualifies for this discount.
Consumers should know that most discount credits are not given to the overall cost of the policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way. Any amount of discount will reduce the amount you have to pay.
Factors that can influence insurance rates for a Volkswagen Golf
Smart consumers have a good feel for the different types of things that come into play when calculating your car insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that could result in big savings.
- Keep rates low by being claim-free – Insurance companies in Texas award discounts to policyholders who file claims infrequently. If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Car insurance is designed for larger claims.
- Protect yourself with liability coverage – The liability section of your policy is the coverage that protects you if you are found to be at fault for damages caused by your negligence. Liability insurance provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
- Policy add-ons can waste money – There are a ton of extra bells and whistles that you can buy if you aren’t careful. Coverages for personal injury protection, towing coverage and term life insurance are some examples. These coverages may sound good when talking to your agent, but if they’re wasting money eliminate them to save money.
- Choose a safe vehicle and save – Cars with high safety ratings are cheaper to insure. The safest vehicles result in less severe injuries and fewer injuries means lower claim amounts passed on to you as lower rates. If your Volkswagen Golf scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
- Teen drivers pay high rates – Young drivers in Texas have a tendency to be more careless behind the wheel so they pay higher car insurance rates. Having to add a youthful driver onto a policy can really hurt. Older drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.
- Your spouse saves you money – Having a spouse actually saves money on your car insurance policy. It means you’re more mature than a single person it has been statistically shown that drivers who are married are more cautious.
- Car features impact rates – Driving a car with an alarm system can help lower your rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.
- What type of vehicle do you drive? – The make and model of the car you drive makes a substantial difference in determining your rates. Since the Volkswagen Golf is classified as a compact car, insurance will be the same to a little lower than the average rate where you live. Economy passenger cars generally have the cheapest insurance rates, but other factors influence the final cost greatly.
Beware of misleading car insurance ads
Companies like 21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. All the ads make the same claim of big savings if you switch to them. How do they all say the same thing? This is how they do it.
Insurance companies can use profiling for the type of driver that is profitable for them. For example, a driver they prefer could be between the ages of 40 and 55, has no tickets, and drives less than 7,500 miles a year. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and as a result will probably save when switching.
Drivers who don’t measure up to this ideal profile must pay more money and ends up with business going elsewhere. The ad wording is “customers who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can confidently make those claims.
This illustrates why it’s extremely important to quote coverage with many companies. It is impossible to predict which car insurance company will have the lowest rates.
To learn even more about car insurance
Much more information about car insurance in Texas can be found on the website for the Texas Department of Insurance through this link. Consumers can read consumer alerts, find a variety of consumer forms, and discover disciplinary actions.
In Summary
Lower-priced Volkswagen Golf insurance is available on the web in addition to many Texas insurance agents, and you need to comparison shop both to have the best selection. There are still a few companies who do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.
We just showed you a lot of information how to compare Volkswagen Golf insurance prices online. It’s most important to understand that the more times you quote, the higher the chance of saving money. Consumers may even find the lowest priced car insurance comes from a smaller regional carrier. These smaller insurers may only write in your state and offer lower rates than their larger competitors like Progressive and GEICO.