Cheap Volkswagen Golf Insurance in Chula Vista

We don’t have to tell you that auto insurance companies don’t want their policyholders to compare prices. Insureds who shop around are very likely to move their business because of the high probability of finding a lower-cost company. A recent survey discovered that consumers who regularly compared rates saved approximately $860 a year as compared to drivers who never shopped for cheaper rates.

If finding the lowest price on Volkswagen Golf insurance is why you’re reading this, then having a grasp of the best ways to find and compare cheaper coverage can make the process less intimidating.

The easiest way to get affordable car insurance rates in Chula Vista is to start doing an annual price comparison from insurers who provide car insurance in California. This can be done by following these guidelines.

First, get an understanding of how insurance companies determine prices and the steps you can take to prevent expensive coverage. Many things that drive up the price like traffic violations and a less-than-favorable credit history can be amended by making minor changes in your lifestyle.

Second, get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO and State Farm, while agents who are independent can quote prices from multiple sources.

Third, compare the new rate quotes to your current policy premium to see if you can save by switching companies. If you find a lower rate quote and make a switch, ensure there is no coverage lapse between policies.

Fourth, notify your agent or company to cancel your current coverage. Submit the application along with any required down payment for your new policy. As soon as coverage is bound, store the certificate verifying coverage with your registration paperwork.

One key aspect of rate comparisons is that you’ll want to make sure you compare the same level of coverage on every quote and and to analyze as many different insurance providers as possible. This enables an accurate price comparison and a thorough price selection.

Volkswagen Golf coverage statistics

The price information displayed next highlights detailed analysis of rate quotes for Volkswagen Golf models. Having a better understanding of how policy rates are established can aid in making decisions on the best policy coverages.

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Prices do not factor in the specific area where the vehicle is garaged which can revise coverage rates greatly.

Physical damage deductibles

The hardest decision when buying coverage is at what level do you set your deductibles. The tables below can help you visualize how much more rates are when you choose different insurance deductibles. The first table uses a $250 deductible and the second data table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium costs do not factor in vehicle garaging location which can change premiums considerably.

Based on the figures above, using a $250 deductible would cost the average driver about $36 more each month or $432 for a full year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 21 months between claim filings, you would probably be better off if you choose the higher deductible.

The chart below shows how different deductible levels and can impact Volkswagen Golf premium costs for each different age group. The data is based on a single female driver, full physical damage coverage, and no discounts are applied.

Car insurance rates are higher with tickets and accidents

The information below illustrates how traffic citations and at-fault accidents can affect Volkswagen Golf annual premium costs for different age groups. The costs are based on a married female driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

How much more does full coverage cost?

The diagram below shows the difference between Volkswagen Golf car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on a clean driving record, no at-fault accidents, $1,000 deductibles, single status, and no discounts are factored in.

When to drop comp and collision

There is no clear-cut formula of when to stop paying for full coverage on your policy, but there is a general convention. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s say your Volkswagen Golf replacement cost is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $3,000 after paying your policy deductible. If premium cost is more than $300 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where dropping full coverage is not a good idea. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Take these six policy discounts and save on Volkswagen Golf insurance in Chula Vista

The cost of insuring your cars can be expensive, but companies offer discounts that you may not even be aware of. Some discounts apply automatically at the time you complete a quote, but occasionally some discounts must be inquired about in order for you to get them.

• Early Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can avoid monthly service charges.
• Club Memberships – Affiliation with qualifying employment or professional organizations is a simple method to lower premiums when shopping for auto insurance.
• One Accident Forgiven – This one isn’t a discount, but companies like GEICO, Progressive, and Allstate allow you one accident before they charge you more for coverage if you have no claims prior to the accident.
• New Vehicle Savings – Buying insurance on a new vehicle can save you some money compared to insuring an older model.
• 55 and Retired – If you qualify as a senior citizen, you may qualify for a discount up to 10%.
• Own a Home and Save – Owning your own home or condo may earn you a small savings since owning and maintaining a home requires a higher level of personal finance.

One thing to note about discounts is that many deductions do not apply to the overall cost of the policy. Some only reduce specific coverage prices like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, it’s just not the way it works. But any discount should definitely cut your policy cost.

The chart below illustrates the comparison of Volkswagen Golf car insurance rates with and without discounts being applied to the rates. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, multi-policy, safe-driver, and homeowner discounts applied.

To locate insurers with the best Volkswagen Golf insurance discounts in Chula Vista in Chula Vista, click here.

What auto insurance coverages do you need?

Understanding the coverages of a auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive auto coverage

This coverage will pay to fix 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 insurance covers claims like vandalism, a broken windshield, hail damage, theft and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability insurance

This will cover damages or injuries you inflict on other’s property or people. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 15/30/5 which means a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and $5,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things such as repair bills for other people’s vehicles, medical expenses, loss of income, legal defense fees and medical services. How much coverage you buy is a personal decision, but buy as large an amount as possible. California requires drivers to carry at least 15/30/5 but you should think about purchasing higher limits.

The illustration below demonstrates why buying low liability limits may not be adequate coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Volkswagen Golf.

Because many people only purchase the least amount of liability that is required (which is 15/30/5), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for ambulance fees, funeral costs and EMT expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision coverage will pay to fix damage to your Golf resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a ditch, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also bump up the deductible on your Golf to bring the cost down.

California car insurance company ratings

Selecting the highest-rated company is hard considering how many different companies insure vehicles in Chula Vista. The information shown below can help you decide which providers you want to consider when looking for cheaper rates.

Top 10 Chula Vista Car Insurance Companies Overall

1. USAA
2. American Family
3. AAA of Southern California
4. State Farm
5. The Hartford
6. AAA Insurance
7. GEICO
8. The General
9. Titan Insurance
10. Progressive

Quote often and quote early

In this article, we covered many ways to compare Volkswagen Golf insurance rates in Chula Vista. The most important thing to understand is the more you quote Chula Vista car insurance, the higher your chance of finding affordable Chula Vista car insurance quotes. Consumers could even find that the lowest rates are with a small local company.

Low-cost Volkswagen Golf insurance in Chula Vista is attainable online and from local insurance agents, so you need to shop Chula Vista car insurance with both to have the best selection. A few companies may not have rate quotes online and these regional carriers work with independent insurance agents.

People change insurance companies for a variety of reasons including policy non-renewal, extreme rates for teen drivers, unfair underwriting practices and even lack of trust in their agent. Regardless of your reason, switching companies can be easy and end up saving you some money.

For more information, link through to these articles:

• Information for Teen Drivers (GEICO)
• Who Has Affordable Chula Vista Auto Insurance for High School Students? (FAQ)
• Who Has Cheap Chula Vista Car Insurance Quotes for a Nissan Rogue? (FAQ)
• Who Has Cheap Car Insurance Quotes for 4×4 Vehicles in Chula Vista? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for a GMC Sierra in Chula Vista? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for a Company Car in Chula Vista? (FAQ)
• Who Has Cheap Chula Vista Auto Insurance Quotes for Nurses? (FAQ)
• What Car Insurance is Cheapest with Multiple Speeding Tickets in Chula Vista? (FAQ)
• Crash Avoidance Technologies FAQ (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
• Senior Drivers (Insurance Information Institute)
• Auto Insurance 101 (About.com)