Volkswagen Golf Insurance Quotes in Plano

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If your goal is the lowest price, then the best way to find low-cost prices for Volkswagen Golf insurance in Plano is to compare prices at least once a year from different companies that insure vehicles in Texas.

Step 1: Get a basic knowledge of the coverage provided by your policy and the measures you can take to keep rates down. Many things that drive up the price like at-fault accidents and an unfavorable credit rating can be controlled by making minor changes to your lifestyle. Keep reading for information to prevent high prices and find overlooked discounts.

Step 2: Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from one company like GEICO or Farmers Insurance, while independent agents can provide rate quotes from multiple companies.

Step 3: Compare the quotes to your current policy and see if there is a cheaper rate. If you find better rates and change companies, make sure there is no lapse between the expiration of your current policy and the new one.

The most important part of shopping around is to try to use identical coverages on every quote request and and to get rates from all possible companies. Doing this provides a level playing field and a complete price analysis.

Insurance quote for Volkswagen Golf in PlanoIt's a known fact that auto insurance companies don't want you to compare rates. People who compare price quotes will most likely switch auto insurance companies because of the high probability of finding better rates. A recent survey revealed that drivers who shopped around annually saved on average $850 each year as compared to drivers who never shopped around for lower prices.

If finding the cheapest rates on Volkswagen Golf insurance in Plano is your ultimate target, then having an understanding of how to get price quotes and compare insurance can make it easier for you to save money.

Finding the cheapest car insurance coverage in Plano is not that difficult. If you have car insurance now, you will most likely be able to find better prices using the techniques covered below. Nevertheless, Texas consumers should learn the way companies determine how much to charge and use this information to your advantage.

Cheap Plano Volkswagen Golf insurance

All major auto insurance companies give coverage price quotes on their websites. Obtaining pricing for Volkswagen Golf insurance in Plano is quite simple because you just enter your personal and coverage information into the quote form. Behind the scenes, the quote system will order reports for credit and driving violations and gives you a price quote based on the data you entered.

This makes comparing rates easy, and it's necessary to do this in order to get a lower rate.

To save time and find out how much you're overpaying now, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you complete the form with coverages and limits as close as possible to your current policy. This helps ensure you will have rate quotes based on the exact same insurance coverage.

The car insurance companies shown below offer quotes in Texas. If multiple companies are listed, we suggest you get prices from several of them to get the cheapest price.

Volkswagen Golf detailed coverage information

The premium information displayed next outlines a range of insurance prices for Volkswagen Golf models. Being more informed about how insurance quotes are determined can benefit drivers when making smart choices when choosing a car insurance company.

Volkswagen Golf Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $252 $580 $358 $22 $108 $1,320 $110
Golf 2.5 4-Dr Hatchback $284 $580 $358 $22 $108 $1,352 $113
Golf 2.0T Turbo Diesel 2-Dr Hatchback $284 $666 $358 $22 $108 $1,438 $120
Golf 2.0T Turbo Diesel 4-Dr Hatchback $284 $580 $358 $22 $108 $1,352 $113
Get Your Own Custom Quote Go

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in vehicle location which can modify price quotes significantly.

Physical damage deductibles

When buying insurance, a common question is how high should the deductibles for physical damage be. The following insurance rates highlight the cost difference between low and high comp and collision deductibles. The first set of rates uses a $100 deductible and the second set of rates uses a $1,000 deductible.

Volkswagen Golf insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $328 $698 $382 $22 $114 $1,569 $131
Golf 2.5 4-Dr Hatchback $370 $698 $382 $22 $114 $1,611 $134
Golf 2.0T Turbo Diesel 2-Dr Hatchback $370 $804 $382 $22 $114 $1,717 $143
Golf 2.0T Turbo Diesel 4-Dr Hatchback $370 $698 $382 $22 $114 $1,611 $134
Get Your Own Custom Quote Go
Volkswagen Golf insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $182 $368 $382 $22 $114 $1,068 $89
Golf 2.5 4-Dr Hatchback $206 $368 $382 $22 $114 $1,092 $91
Golf 2.0T Turbo Diesel 2-Dr Hatchback $206 $424 $382 $22 $114 $1,148 $96
Golf 2.0T Turbo Diesel 4-Dr Hatchback $206 $368 $382 $22 $114 $1,092 $91
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in specific garaging location which can increase or decrease price quotes considerably.

We can derive from the above data that using a $100 deductible will cost you approximately $44 more each month or $528 each year than selecting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you go more than 20 months between claims, you would probably be better off if you decide on a higher deductible.

The information below shows how different deductible levels and can impact Volkswagen Golf insurance costs for different age groups. The price estimates are based on a married female driver, full physical damage coverage, and no discounts are applied.

Insurance premiums by gender

The illustration below compares Volkswagen Golf car insurance costs for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, full coverage, $100 deductibles, drivers are not married, and no policy discounts are applied.

Insurance does more than just repair your car

Despite the high cost of buying insurance for a Volkswagen Golf in Plano, paying for insurance is mandatory in Texas but it also protects more than you think.

First, just about all states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability protection in order to drive the car legally. 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.

Second, if your car has a loan, almost every bank will require you to carry insurance to protect their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Volkswagen for a much higher rate and force you to pay much more than you were paying before.

Third, insurance safeguards both your Volkswagen Golf and your assets. Insurance will also pay for medical bills incurred in an accident. As part of your policy, 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, your policy will pay to repair the damage.

The benefits of insuring your Golf definitely exceed the cost, especially with large liability claims. The average driver in Texas is currently overpaying as much as $820 a year so you should quote and compare rates at every renewal to be sure current rates are still competitive.

Do you qualify for discounts on Volkswagen Golf insurance in Plano?

Car insurance is not cheap, but you may be missing some discounts that could drop your premiums quite a bit. Some discounts apply automatically at the time you complete a quote, but some need to be inquired about prior to getting the savings. If you check and find you aren't receiving every discount possible, you could be paying more than you need to.Save money with discounts

  • ABS and Traction Control Discounts - Cars and trucks that have anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
  • Defensive Driver Discounts - Taking a defensive driving course may get you a small discount if your company offers it.
  • Save with More Vehicles Insured - Insuring more than one vehicle on one policy can get a discount on all vehicles.
  • Life Insurance Discount - Select insurance carriers reward you with a small discount if you purchase auto and life insurance together.
  • Military Discounts - Being on active deployment in the military could qualify you for better prices.
  • Passive Restraints and Air Bags - Cars that have air bags or automatic seat belts may qualify for discounts of more than 20%.
  • Home Ownership Discount - Just being a homeowner can help you save on car insurance because owning a home means you have a higher level of financial diligence.

Don't be surprised that some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, car insurance companies aren't that generous.

The information below shows the difference between Volkswagen Golf auto insurance costs with and without discounts applied to the policy premium. The costs are based on a female driver, no accidents, no driving violations, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-policy, multi-car, and homeowner discounts applied.

A few of the larger companies and a partial list of their discounts include:

  • State Farm offers discounts for driver's education, anti-theft, Drive Safe & Save, defensive driving training, and good student.
  • Esurance may offer discounts for emergency road assistance, defensive driver, Switch & Save, anti-theft, and good student.
  • Progressive includes discounts for homeowner, good student, multi-vehicle, continuous coverage, and online quote discount.
  • Liberty Mutual discounts include safety features, multi-policy, preferred payment discount, exclusive group savings, newly married, multi-car, and teen driver discount.
  • Auto-Owners Insurance has discounts for air bags, multiple vehicles, safe vehicle, paperless, good student, and group or association.
  • GEICO offers premium reductions for anti-lock brakes, multi-vehicle, emergency military deployment, membership and employees, air bags, good student, and military active duty.

Before you buy a policy, ask every prospective company which discounts can lower your rates. Some of the earlier mentioned discounts might not apply in your area. To find providers with discount car insurance rates in Texas, click this link.

Compare prices but still have a neighborhood Plano auto insurance agent

Some consumers would prefer to talk to a local agent and often times that is recommended A nice benefit of comparing car insurance online is that drivers can save money and get the best rates and also buy local.

Insurance agency in PlanoBy using this short form, your information is transmitted to insurance agents in Plano who will give competitive quotes for your coverage. You never need to even leave your home because quoted prices will be sent to you. You can find better rates without requiring a lot of work. In the event you want to get a price quote from a specific insurance company, don't hesitate to find their quoting web page to submit a rate quote request.

Choosing an insurer is decision based upon more than just a cheap price quote. The questions below may impact your decision as well.

  • Is the agency active in community causes in Plano?
  • Are they paid to recommend certain coverages?
  • Is the agent CPCU or CIC certified?
  • What insurance companies do they work with in Plano?
  • Do they prorate repair cost based on vehicle mileage?
  • What company holds the largest book of business for them?
  • Will your rates increase after a single accident?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?

Listed below is a short list of insurance companies in Plano that can give you rate quotes for Volkswagen Golf insurance in Plano.

View more Plano agents

Car insurance coverages for a Volkswagen Golf

Knowing the specifics of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive coverages - This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a broken windshield, vandalism, hitting a bird, damage from flooding and falling objects. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage - This protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle's damage.

Because many people carry very low liability coverage limits (30/60/25 in Texas), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Liability coverages - This protects you from injuries or damage you cause to other people or property that is your fault. It protects YOU against claims from other people. Liability doesn't cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 30/60/25 that translate to a $30,000 limit per person for injuries, $60,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability insurance covers claims like court costs, repair costs for stationary objects, attorney fees, repair bills for other people's vehicles and structural damage. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford. Texas requires drivers to carry at least 30/60/25 but you should think about purchasing better liability coverage.

The illustration below shows why low liability limits may not be enough coverage.

Coverage for medical payments - Med pay and PIP coverage provide coverage for expenses such as surgery, pain medications and dental work. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage - This will pay to fix damage to your Golf resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like backing into a parked car, rolling your car, scraping a guard rail, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible on your Golf to bring the cost down.

Insurance savings summarized

We just showed you many ways to find cheap Volkswagen Golf insurance in Plano. The key thing to remember is the more you quote Plano car insurance, the better your comparison will be. You may even find the lowest prices are with a small local company.

The cheapest Volkswagen Golf insurance in Plano is available on the web in addition to many Plano insurance agents, so you should compare both so you have a total pricing picture. A few companies don't offer price quotes online and these smaller companies prefer to sell through independent insurance agents.

When you buy Plano car insurance online, make sure you don't buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice collision coverage only to discover later that they should have had better coverage. Your aim should be to get the best coverage possible for the lowest cost, not the least amount of coverage.

Additional detailed information can be found at these sites: