Cheapest Volkswagen Golf Insurance in Long Beach

Discount Volkswagen Golf insuranceThere isn’t a single person who likes buying insurance, especially when they know their premiums are too high.

We don’t have to tell you that car insurance companies want to keep your business as long as possible. Consumers who compare rates annually are inclined to switch companies because there is a good probability of finding a policy with more affordable rates. Remarkably, a study showed that drivers who shopped around annually saved approximately $3,450 over four years as compared to drivers who didn’t regularly shop around.

If saving the most money on auto insurance in Long Beach is the reason for your visit, then having some knowledge of the best way to quote and compare coverages can help simplify the process.

How to save money on Volkswagen Golf insurance in Long Beach

If saving the most money is your goal, then the best way to get discount auto insurance rates in Long Beach is to annually compare prices from companies who sell insurance in California. You can shop around by following these guidelines.

Step 1: Spend some time learning about coverages and the modifications you can make to drop your rates. Many risk factors that increase rates like distracted driving and a substandard credit history can be rectified by being financially responsible and driving safely.

Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive or Farmers Insurance, while agents who are independent can quote prices for many different companies. Get quotes now

Step 3: Compare the price quotes to the premium of your current policy and see if there is a cheaper rate. If you can save some money and decide to switch, make sure there is no lapse in coverage.

Step 4: Provide proper notification to your current company of your intention to cancel your current policy and submit a signed application and payment for your new coverage. As soon as coverage is bound, put the new certificate of insurance in an easily accessible location in your vehicle.

One tip to remember is to compare the same coverage limits and deductibles on each quote request and and to get price quotes from as many companies as possible. Doing this helps ensure the most accurate price comparison and maximum price selection.

Insurance companies such as GEICO and Progressive all promote huge savings with advertising and it is difficult to sift through the bull and find the best price available.

If you have a current auto insurance policy, you will most likely be able to find better prices using the ideas you’re about to read. Finding affordable coverage in Long Beach can initially seem challenging. Nevertheless, California drivers need to learn how big insurance companies determine prices and use it to find better rates.

Cheapest auto insurance in Long Beach, CA

The companies shown below are our best choices to provide price comparisons in California. To get the cheapest auto insurance in Long Beach, we recommend you get prices from several of them in order to get a fair rate comparison.

Insurance statistics and figures

The premium table shown next highlights different coverage costs for Volkswagen Golf models. Having insight into how rates are formulated can help customers make smart choices when choosing a car insurance company.

Volkswagen Golf Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $164 $362 $424 $26 $126 $1,102 $92
Golf 2.5 4-Dr Hatchback $186 $362 $424 $26 $126 $1,124 $94
Golf 2.0T Turbo Diesel 2-Dr Hatchback $186 $418 $424 $26 $126 $1,180 $98
Golf 2.0T Turbo Diesel 4-Dr Hatchback $186 $362 $424 $26 $126 $1,124 $94
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in specific garaging location which can raise or lower price quotes greatly.

Physical damage deductibles: Should you raise them?

One common question asked by Long Beach drivers is how high or low should comp and collision deductibles be. The comparison tables below can help you visualize the costs and benefits when you buy lower versus higher comp and collision deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second price grid uses a $500 deductible.

Volkswagen Golf insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $342 $678 $442 $26 $132 $1,645 $137
Golf 2.5 4-Dr Hatchback $386 $678 $442 $26 $132 $1,689 $141
Golf 2.0T Turbo Diesel 2-Dr Hatchback $386 $780 $442 $26 $132 $1,791 $149
Golf 2.0T Turbo Diesel 4-Dr Hatchback $386 $678 $442 $26 $132 $1,689 $141
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Volkswagen Golf insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $278 $546 $442 $26 $132 $1,424 $119
Golf 2.5 4-Dr Hatchback $314 $546 $442 $26 $132 $1,460 $122
Golf 2.0T Turbo Diesel 2-Dr Hatchback $314 $630 $442 $26 $132 $1,544 $129
Golf 2.0T Turbo Diesel 4-Dr Hatchback $314 $546 $442 $26 $132 $1,460 $122
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Prices do not factor in specific garaging location which can influence price quotes substantially.

Based on this data, using a $250 deductible will cost in the ballpark of $19 more each month or $228 a year than selecting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you average more than 13 months between claim filings, you would save more money if you choose a higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $142
Average monthly premium for $500 deductibles (subtract): – $123
Monthly savings from raising deductible: $19
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

One thing to be aware of is that increasing deductibles to lower your rates results in having to pay to pay more out-of-pocket when you file a claim. You need to have enough money in the bank in the event you need to pay the higher deductible.

Car insurance discounts are available to get cheap rates

Properly insuring your vehicles can get expensive, but you might already qualify for some discounts that you may not even know about. Some trigger automatically when you quote, but occasionally some discounts must be specifically requested prior to getting the savings. If you do not check that you are getting every discount possible, you could be saving more on your car insurance.Cheaper car insurance with discounts

While discounts sound great, it’s important to understand that most discounts do not apply to your bottom line cost. Most only cut individual premiums such as medical payments or collision. Despite the appearance that it’s possible to get free car insurance, it’s just not the way it works.

The example below shows the difference between Volkswagen Golf insurance costs with and without discounts applied to the policy rates. The premiums are based on a male driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, marriage, homeowner, safe-driver, and multi-policy discounts applied.

If you would like to see a list of insurers that offer multiple discounts in California, click here.

How to Lower Your Insurance Rates

Multiple criteria are part of the calculation when you get your auto insurance bill. Some factors are common sense such as your driving history, but some are more transparent like your continuous coverage or your vehicle rating. When buying auto insurance it’s important to understand some of the factors that play a part in calculating the rates you pay for auto insurance. If you understand what controls the rates you pay, this enables informed choices that can earn you much lower annual insurance costs.

The itemized list below are some of the most common factors utilized by car insurance companies to help set your rates.

Marriage can lower costs – Being married can actually save you money compared to being single. It is viewed as being more responsible and it’s statistically proven that married drivers get in fewer accidents.

Deter car thieves – Selecting a car model that has an advanced theft prevention system can save you a little every year. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent vehicle theft.

High deductibles save money – Comprehensive and collision coverage deductibles represent how much money you are willing to pay in the event of a claim. Coverage for physical damage, aka comp and collision, is used to repair damage to your car. Some coverage claims could be colliding with a stationary object, damage caused by hail, and damage caused by road hazards. The more money you pay before a claim is paid (deductible), the less your company will charge you for insurance.

Teenage drivers pay more – Older drivers are viewed as being more responsible, are lower risk to insure, and tend to be get fewer driving tickets. Drivers with little experience are proven to get distracted easily with other occupants in the car therefore auto insurance rates are much higher.

The next chart uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

Volkswagen Golf insurance claim data – Companies analyze historical claim data to determine a price that will be profitable for them. Vehicles that the statistics show to have higher claim amounts or frequency will cost more to insure. The table below demonstrates the collected loss data for Volkswagen Golf vehicles.

For each type of coverage, the loss probability for all vehicles, regardless of manufacturer or model, equals 100. Numbers below 100 indicate a favorable loss history, while values over 100 indicate more frequent claims or an increased chance of a larger loss.

Volkswagen Golf Insurance Claim Statistics
Specific Volkswagen Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Volkswagen Golf 109 97

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Everyone needs different auto insurance coverages

When it comes to coverage online or from an agent, there really isn’t a one size fits all plan. Your needs are not the same as everyone else’s and your auto insurance should unique, too.Drive safe and save
For instance, these questions may help you determine whether your personal situation may require specific advice.

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Independent versus exclusive auto insurance agents

A small number of people prefer to sit down with an agent and that can be a great decision One of the benefits of getting free rate quotes online is that you can find the lowest rates and still buy from a local agent.

To make it easy to find an agent, after completing this quick form, the coverage information is sent to insurance agents in Long Beach who will give competitive quotes for your car insurance coverage. You won’t need to leave your computer because quoted prices will be sent immediately to you. You can get cheaper car insurance rates and a licensed agent to work with. If you want to get a price quote from a specific company, feel free to navigate to their website and give them your coverage information.

Picking the best insurer requires you to look at more than just the price. Any agent in Long Beach should have no problem answering these questions:

If you need to find a reputable insurance agent or broker, you should know the types of insurance agents and how they differ in how they can insure your vehicles. Car insurance agents are classified as either independent (non-exclusive) or exclusive.

Exclusive Agents

These agents can usually just insure with one company and examples are Allstate, State Farm and Farmers Insurance. These agents are not able to give you multiple price quotes so they really need to provide good service. Exclusive agencies are usually well trained on what they offer and that enables them to sell even at higher rates.

Below are Long Beach exclusive insurance agents willing to provide rate quotes.

4202 Atlantic Ave Ste 201Long Beach, CA 90807(562) 426-1752View Map

2545 E BroadwayLong Beach, CA 90803(562) 434-0911View Map

5000 E Spring St Ste 390Long Beach, CA 90815(562) 425-5109View Map

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Independent Agents

These agents are not locked into one company so they can write business with an assortment of companies and possibly get better coverage at lower prices. If premiums increase, your policy is moved internally and that require little work on your part. When comparing car insurance prices, we recommend you compare quotes from independent agents so that you can do a thorough price comparison.

Below is a short list of independent agents in Long Beach that are able to give price quote information.

4400 Pacific Coast HwyLong Beach, CA 90804(562) 498-8661View Map

2316 E 7th StLong Beach, CA 90804(562) 439-0244View Map

100 Oceangate #1200Long Beach, CA 90802(877) 467-8799View Map

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After receiving good answers for all questions you ask in addition to an acceptable price estimate, you’ve probably found an insurance agent that can be trusted to properly insure your vehicles. Just understand that you are entitled to cancel coverage at any time so don’t think you’re contractually obligated to any specific company with no way to switch.

Smart consumers save more

As you quote Long Beach auto insurance, never sacrifice coverage to reduce premiums. There have been many cases where an insured dropped liability limits or collision coverage to discover at claim time they didn’t have enough coverage. The goal is to find the BEST coverage at the best possible price.

We covered some good ideas how you can reduce Volkswagen Golf insurance rates online in Long Beach. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding affordable Volkswagen Golf insurance quotes. Consumers could even find that the lowest rates are with some of the smallest insurance companies. Regional companies may only write in your state and offer lower auto insurance rates than their larger competitors like Allstate, GEICO and Progressive.

Steps to finding cheaper quotes for Volkswagen Golf insurance in Long Beach

If you want to save the most money, the best way to find more affordable auto insurance rates in Long Beach is to start comparing prices regularly from different companies who sell insurance in California. Drivers can shop around by completing these steps.

Step 1: Read and learn about policy coverages and the measures you can take to prevent high rates. Many rating factors that increase rates like accidents, careless driving, and an imperfect credit rating can be remedied by making lifestyle changes or driving safer.

Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from one company like GEICO and State Farm, while agents who are independent can provide prices from multiple companies.

Step 3: Compare the new rates to your current policy to see if switching to a new carrier will save money. If you find better rates and decide to switch, verify that coverage does not lapse between policies.

One bit of advice is to use the same level of coverage on every quote request and to quote with as many auto insurance providers as possible. This provides a level playing field and a better comparison of the market.

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