Volkswagen Golf insurance policy image courtesy of QuoteInspector.com
Truthfully, the best way to get the cheapest Volkswagen Golf insurance is to regularly compare prices from insurance carriers that sell auto insurance in Sacramento.
- Step 1: Try to understand car insurance and the measures you can take to prevent rate increases. Many things that increase rates such as careless driving and poor credit rating can be rectified by paying attention to minor details.
- Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO and Allstate, while agents who are independent can give you price quotes from many different companies.
- Step 3: Compare the price quotes to your existing coverage and see if you can save money. If you find a lower rate and switch companies, ensure there is no coverage lapse between policies.
- Step 4: Provide adequate notice to your current company to cancel your current policy and submit payment along with a signed and completed policy application for your new policy. As soon as you have the new policy, put the new proof of insurance paperwork in your vehicle.
A tip to remember is to make sure you enter the same deductibles and limits on each quote request and and to get price estimates from as many different companies as possible. Doing this ensures a level playing field and the best price quote selection.
Unimaginable but true, most auto insurance policyholders renewed their policy with the same company for at least the last four years, and almost half have never compared rate quotes at all. Sacramento consumers could save themselves up to 35% a year, but they won't spend time to go online and compare rates.
If you have a current car insurance policy or just want cheaper coverage, use these money-saving tips to get lower rates and still have adequate protection. Quoting the lowest cost coverage in Sacramento is not as hard as you may think. Consumers only have to learn the least time-consuming way to shop for car insurance from multiple carriers.
Low Cost car insurance in Sacramento, CA
The companies in the list below offer free quotes in California. To get cheaper car insurance in CA, we suggest you visit two to three different companies to get the best price comparison.
Auto insurance statistics and figures
The rate information shown next showcases different rate quotes for Volkswagen Golf models. Being aware of how insurance quotes are formulated can benefit drivers when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $240 | $426 | $578 | $34 | $174 | $1,452 | $121 |
| Golf 2.5 4-Dr Hatchback | $272 | $426 | $578 | $34 | $174 | $1,484 | $124 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $272 | $490 | $578 | $34 | $174 | $1,548 | $129 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $272 | $426 | $578 | $34 | $174 | $1,484 | $124 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Table data does not factor in specific zip code location which can raise or lower insurance rates considerably.
Auto insurance deductibles
One of the hardest decisions when shopping for auto insurance is what deductibles to buy. The rates shown below outline how much more rates are when you select higher and lower physical damage deductibles. The first rate table uses a $100 deductible for physical damage and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $380 | $810 | $442 | $26 | $132 | $1,815 | $151 |
| Golf 2.5 4-Dr Hatchback | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $430 | $932 | $442 | $26 | $132 | $1,987 | $166 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Premium costs do not factor in vehicle location which can decrease or increase prices considerably.
Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $34 more each month or $408 every year than quoting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 12 months between claims, you would probably be better off if you decide on a higher deductible.
Calculation for determining deductible levels
| Average monthly premium for $100 deductibles: | $157 |
| Average monthly premium for $500 deductibles (subtract): | - $123 |
| Monthly savings from raising deductible: | $34 |
| Difference between deductibles ($500 - $100): | $400 |
| Divide difference by monthly savings: | $400 / $34 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 12 months |
Six Tips to Get Cheap Sacramento Insurance Premiums
Multiple criteria are part of the equation when pricing auto insurance. Most are fairly basic such as your driving record, but others are not quite as obvious such as whether you are married or your financial responsibility. Smart consumers have a good feel for the factors that help determine your insurance rates. If you have a feel for what positively or negatively impacts your premiums, this allows you to make educated decisions that will entitle you to cheaper rates.
Marriage is a factor - Having a significant other helps lower the price on your insurance bill. Having a spouse generally demonstrates drivers are more stable financially and statistics prove married drivers tend to file fewer claims.
Employer stress can affect prices - Did you know your insurance rates can be affected by your occupation? Occupational choices like military personnel, architects, and financial analysts have higher premiums than the average policyholder because of high stress and long work hours. Conversely, careers such as farmers, historians and homemakers receive lower rates.
Higher coverage deductibles are cheaper - Insurance for physical damage to your car, aka comp and collision, insures against damage to your Volkswagen. Examples of some claims that would be covered could be colliding with a building, damage from fire, or theft. The deductibles you choose tell how much you are required to pay if a claim is determined to be covered. The more money you have to pay, the less your company will charge you for insurance.
No claims equals lower rates - Insurance companies in California give discounts to policyholders who file claims infrequently. If you file a lot of claims you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is meant to be used in the event of the large, substantial claims.
Liability protection limits are a factor - Liability coverage is the coverage that protects you when a court rules you are at fault for causing damage or personal injury in an accident. This coverage provides legal defense to defend your case. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
Tickets and citations cost more than a fine - Drivers who don't get tickets receive lower rates than their less careful counterparts. Only having one speeding ticket or other violation can boost insurance rates to the point where it's not affordable. Drivers who have dangerous tickets such as DUI or reckless driving might be required by their state to prove financial responsibility with the DMV in their state in order to legally drive.
The diagram below illustrates how speeding tickets and at-fault collisions can influence Volkswagen Golf auto insurance rates for different age groups of insureds. The costs are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
Insurance losses for a Volkswagen Golf - Insurance companies analyze past claim statistics to help calculate a profitable premium rate. Models that the data determines to have increased losses will have higher rates for specific coverages. The next table illustrates the insurance loss data for Volkswagen Golf vehicles.
For each coverage type, the claim amount for all vehicles, as an average, is represented as 100. Values that are below 100 imply a favorable loss record, while numbers that are greater than 100 indicate a higher chance of having a claim or larger claims.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Volkswagen Golf | 109 | 97 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Affordable Sacramento car insurance rates with discounts
Car insurance can cost a lot, but there are discounts available that many consumers don't even know exist. Certain credits will be shown when you purchase, but once in a while a discount must be specifically requested before they will apply.
- Pay Now and Pay Less - If you pay your entire premium ahead of time as opposed to paying monthly you can avoid monthly service charges.
- Early Renewal Discounts - A few car insurance companies offer discounts for switching companies early. It's a savings of about 10%.
- No Accidents - Drivers with accident-free driving histories get the best car insurance rates in comparison with drivers who are more careless.
- Cautious Driver Discount - Safe drivers can pay as much as 50% less than less cautious drivers.
- Federal Government Employee - Active or retired federal employment may qualify for a discount when you quote Sacramento auto insurance but check with your company.
- Driver's Education for Students - Have your child enroll in driver's education as it can save substantially.
- Paperless Signup - A few larger online companies will provide an incentive just for signing your application online.
While discounts sound great, it's important to understand that many deductions do not apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, it just doesn't work that way.
The chart below shows the comparison of Volkswagen Golf insurance premiums with and without discounts applied to the rates. The price estimates are based on a male driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, multi-car, multi-policy, and safe-driver discounts applied.
Some companies that may offer quotes with some of the discounts shown above include:
It's a good idea to ask all the companies to give you their best rates. A few discounts might not be offered on policies in your state.
When do I need to have guidance from an insurance agency?
Some people prefer to go talk to an agent and that is just fine! Experienced insurance agents will help you protect your assets and help you file claims. One of the benefits of comparing insurance online is that drivers can save money and get the lowest rates but still work with a licensed agent. Putting coverage with local agencies is still important in Sacramento.
After filling out this quick form, the coverage information is transmitted to companies in Sacramento who will give you bids for your insurance coverage. It simplifies rate comparisons since you won't have to find an agent on your own because prices are sent to you instantly. If you need to get a rate quote from a specific company, just search and find their rate quote page and fill out the quote form the provide.
If you want a good Sacramento insurance agent, it's helpful to know the different types of agents that you can choose from. Sacramento agents are classified as either independent agents or exclusive agents. Either type can write policy coverage, but it's important to know the difference between them because it may have an impact on the type of agent you choose.
Independent Agents
Agents that choose to be independent are not employed by any specific company and that enables them to quote your coverage with multiple insurance companies and find you cheaper rates. To transfer your coverage to a different company, they simply move your policy to a different company and you don't have to switch agencies. When comparing insurance prices, you will definitely want to include price quotes from multiple independent agents for maximum quote selection. Many can place coverage with small regional insurance companies that may have much lower rates than larger companies.
Featured below is a short list of independent agencies in Sacramento that can possibly get you free insurance quotes.
- Ancal Insurance Agency
2641 Cottage Way #2 - Sacramento, CA 95825 - (916) 485-5410 - View Map - Styrsky Insurance Agency
706 56th St - Sacramento, CA 95819 - (916) 361-8114 - View Map - Apna Insurance Agency
3022 Stockton Blvd #5 - Sacramento, CA 95820 - (916) 454-4495 - View Map
Exclusive Insurance Agents
Agents that elect to be exclusive can only provide one company's prices such as Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to shop your coverage around so they really need to provide good service. These agents are very knowledgeable on the products they sell which helps overcome the inability to quote other rates. Many people buy insurance from these agents primarily because of the brand rather than having the cheapest rates.
The following are Sacramento exclusive agents that can give you comparison quotes.
- Ron Andre - State Farm Insurance Agent
394 Florin Rd - Sacramento, CA 95831 - (916) 428-2918 - View Map - Trevor Fong - State Farm Insurance Agent
7485 Rush River Dr #715 - Sacramento, CA 95831 - (916) 392-1240 - View Map - Ken Perry - State Farm Insurance Agent
2724 24th St #200 - Sacramento, CA 95818 - (916) 452-6668 - View Map
Picking the best auto insurance agent requires you to look at more than just a cheap price. These are some questions you should get answers to.
- Can glass repairs be made at your home?
- If independent agents, which companies do they recommend?
- Which members of your family are coverage by the policy?
- Is the coverage adequate for your vehicle?
- Are there any extra charges for paying monthly?
- Is assistance available after office hours?
- Does the agency have a positive business rating?
Once you have received good feedback to any questions you have as well as a price you're happy with, it's a good possibility that you have found a car insurance agent that is reliable enough to provide insurance coverage. Just remember consumers can cancel coverage whenever you choose to so don't think you're contractually obligated to a specific agent for any length of time.
How much car insurance do I need?
Keep in mind that when it comes to choosing a policy, there is no perfect coverage plan. Each situation is unique.
For instance, these questions might point out whether or not you could use an agent's help.
- How do I buy GAP insurance?
- Does having multiple vehicles earn me a discount?
- Will my insurance pay for OEM parts?
- Am I covered by my employer's commercial auto policy when driving my personal car for business?
- Is other people's property covered if stolen from my vehicle?
- Do I have coverage when using my vehicle for my home business?
- Can my teen drive my company car?
- Am I covered if hit by an uninsured driver?
- How can I get high-risk coverage after a DUI?
- What is roadside assistance coverage?
If you're not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, free and can provide invaluable advice.
Compare car insurance rates regularly to save
Consumers who switch companies do it for any number of reasons including policy cancellation, unfair underwriting practices, questionable increases in premium and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching companies can be easy and end up saving you some money.
As you restructure your insurance plan, it's very important that you do not skimp on coverage in order to save money. There are too many instances where someone sacrificed uninsured motorist or liability limits and learned later that it was a big error on their part. The goal is to buy the best coverage you can find at the best price but still have enough coverage for asset protection.
We've covered a lot of ways to reduce Volkswagen Golf insurance prices online in Sacramento. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may even find the lowest prices are with some of the lesser-known companies.
More detailed car insurance information can be read in these articles:
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- How Much is Sacramento Auto Insurance for a Nissan Rogue? (FAQ)
- What Car Insurance is Cheapest for Drivers with Good Credit in Sacramento? (FAQ)
- Rental Car Insurance Tips (Insurance Information Institute)
- Safety Belts FAQ (iihs.org)
- Frontal Crash Tests (iihs.org)
- Liability Insurance Coverage (Nationwide)