Cheapest Volkswagen Golf Insurance in Scottsdale

It takes a little time, but the best way to find affordable Volkswagen Golf insurance is to annually compare prices from insurance carriers in Scottsdale. Rates can be compared by following these guidelines.

The key aspect of shopping around is to make sure you’re comparing similar limits and deductibles on each quote request and and to analyze all possible companies. Doing this guarantees an apples-to-apples comparison and a complete selection of prices.

Insurance for Volkswagen GolfIt’s easy to assume that car insurance companies want to keep your business as long as possible. Insureds who perform rate comparisons are inclined to switch companies because of the high probability of finding a policy with more affordable rates. A survey found that drivers who routinely compared rates saved an average of $865 annually compared to other drivers who didn’t regularly shop around.

If finding the lowest price for car insurance is why you’re here, knowing how to shop and compare insurance can help make the process easier.

If you have auto insurance now, you stand a good chance to be able to shop for the lowest rates using the concepts covered in this article. These techniques will tell you the best ways to compare prices and some tips to save money. But Arizona drivers must know how companies market insurance on the web and take advantage of how the system works.

Car insurance providers offering low-cost rates in Arizona

The companies in the list below provide free quotes in Scottsdale, AZ. To locate cheap auto insurance in Arizona, we suggest you compare several of them to get a more complete price comparison.

Detailed insurance information

The premium table displayed next highlights a range of insurance premium costs for Volkswagen Golf models. Having insight into how insurance rates are established can be of help when making smart choices when selecting a coverage provider.

Volkswagen Golf Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $162 $364 $314 $18 $94 $952 $79
Golf 2.5 4-Dr Hatchback $182 $364 $314 $18 $94 $972 $81
Golf 2.0T Turbo Diesel 2-Dr Hatchback $182 $418 $314 $18 $94 $1,026 $86
Golf 2.0T Turbo Diesel 4-Dr Hatchback $182 $364 $314 $18 $94 $972 $81
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can revise rates considerably.

Higher deductibles save money

A question often asked by Scottsdale drivers is which deductible level should you buy. The following insurance rates may help to conceptualize the rate differences between low and high comp and collision deductibles. The first pricing table uses a $250 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Volkswagen Golf insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $232 $460 $300 $18 $90 $1,125 $94
Golf 2.5 4-Dr Hatchback $262 $460 $300 $18 $90 $1,155 $96
Golf 2.0T Turbo Diesel 2-Dr Hatchback $262 $530 $300 $18 $90 $1,225 $102
Golf 2.0T Turbo Diesel 4-Dr Hatchback $262 $460 $300 $18 $90 $1,155 $96
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Volkswagen Golf insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $144 $290 $300 $18 $90 $842 $70
Golf 2.5 4-Dr Hatchback $162 $290 $300 $18 $90 $860 $72
Golf 2.0T Turbo Diesel 2-Dr Hatchback $162 $334 $300 $18 $90 $904 $75
Golf 2.0T Turbo Diesel 4-Dr Hatchback $162 $290 $300 $18 $90 $860 $72
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in zip code location which can affect coverage rates greatly.

Based on the data above, we can derive that using a $250 deductible costs approximately $25 more each month or $300 for a full year averaged for all Golf models than opting for the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 30 months between claim filings, you would more than likely save some money by going with a higher deductible. The numbers below show the way you can decide this on your own policy.

Average monthly premium for $250 deductibles: $97
Average monthly premium for $1,000 deductibles (subtract): – $72
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

One thing to note is that increasing deductibles to lower your rates results in a higher out-of-pocket expense when you file a claim. That will necessitate enough money stashed away in order to pay the deductible for vehicle repair.

The information below illustrates how choosing a deductible and can raise or lower Volkswagen Golf insurance rates for different age groups. The data assumes a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

Full coverage versus liability-only

The diagram below shows the comparison of Volkswagen Golf insurance costs with liability coverage only compared to full coverage. The costs are based on no claims or driving citations, $250 deductibles, single status, and no discounts are factored in.

When to switch to liability coverage only

There is no exact rule to delete comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is about 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s pretend your Volkswagen Golf settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $3,000 after the policy deductible has been paid. If it’s costing in excess of $300 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some scenarios where buying only liability insurance is not financially feasible. If you still owe a portion of the original loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not opt for liability only.

Scottsdale car insurance discounts

Car insurance is easily one of your largest bills, but there may be some discounts that may help make it more affordable. Some discounts apply automatically when you quote, but once in a while a discount must be specially asked for prior to receiving the credit.Cheaper car insurance with discounts

One last thing about discounts, many deductions do not apply to the entire cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

The information below compares Volkswagen Golf insurance prices with and without discounts. The data assumes a male driver, no claims, a clean driving record, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, claim-free, homeowner, multi-policy, and multi-car discounts applied.

A few of the larger companies and their offered discounts are shown below.

Check with each insurance company which credits you are entitled to. A few discounts may not be offered everywhere. To see a list of providers that offer multiple discounts in Scottsdale, click here to view.

Five Tips to Get Cheap Scottsdale Insurance Premiums

Lots of factors are used when pricing auto insurance. Most are fairly basic such as your driving history, but other criteria are more obscure such as your credit history or how financially stable you are. Consumers need to have an understanding of some of the elements that come into play when calculating your policy premiums. If you have some idea of what influences your rates, this empowers consumers to make smart changes that could result in better auto insurance rates.

Independent versus exclusive auto insurance agents

Some consumers just want to sit down and talk to an agent and that is not a bad decision One of the great benefits of comparing insurance prices online is that you can obtain the lowest rates but still work with a licensed agent.

Upon completion of this simple form, your coverage information is transmitted to participating agents in Scottsdale that can give you free Scottsdale auto insurance quotes for your insurance coverage. It makes it easy because there is no need to do any legwork due to the fact that quote results will go to you directly. You can find better rates without the usual hassles of price shopping. If you wish to get a rate quote from a particular provider, you can always find their quoting web page and submit a quote form there.

Deciding on an insurer needs to be determined by more than just a low price. Here are some questions you should ask.

Not all auto insurance agents are the same

If you want to use a local agent, there are a couple of different types of agents and how they operate. Agents are classified as either exclusive or independent (non-exclusive).

Exclusive Agents

Agents in the exclusive channel can only provide pricing for a single company and some examples include American Family, State Farm, and AAA. They are unable to provide other company’s prices so you might not find the best rates. Exclusive agents are very knowledgeable on sales techniques which helps them sell insurance even at higher premiums. Some people will only buy from the same agent for years primarily because of the brand rather than having low rates.

The following are exclusive insurance agencies in Scottsdale who may provide you with comparison quotes.

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Independent Agencies or Brokers

These agents do not have single company limitations so they can write business amongst many companies depending on which coverage is best. If premiums increase, the agent simply finds a different carrier without you having to go to a different agency.

If you are comparing auto insurance prices, you need to include rate quotes from a couple of independent agencies to have the best price comparison. Most can insure with small regional insurance companies which can be an advantage.

Below are independent insurance agents in Scottsdale that are able to give price quotes.

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Scottsdale auto insurance company ratings

Picking the highest-rated insurance provider is difficult considering how many companies sell insurance in Scottsdale. The ranking data shown below could help you decide which car insurance companies to look at shopping prices with.

Top 10 Scottsdale Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. State Farm – 90%
  5. Nationwide – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. The General – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%

Top 10 Scottsdale Car Insurance Companies Ranked by Customer Service

  1. State Farm
  2. GEICO
  3. The Hartford
  4. Mercury Insurance
  5. Progressive
  6. The General
  7. Allstate
  8. AAA Insurance
  9. American Family
  10. Nationwide

Affordable coverage is out there

People who switch companies do it for a number of reasons such as unfair underwriting practices, lack of trust in their agent, questionable increases in premium or even delays in responding to claim requests. It doesn’t matter what your reason, switching insurance companies is actually quite simple.

Some companies do not provide the ability to get a quote online and these smaller companies work with independent agencies. More affordable insurance in Scottsdale can be bought online in addition to many Scottsdale insurance agents, and you should be comparing both to get a complete price analysis.

When shopping online for insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped physical damage coverage to discover at claim time they didn’t have enough coverage. Your goal is to buy enough coverage for the lowest cost, not the least amount of coverage.

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