Paying cheaper premium rates for Volkswagen Golf insurance in San Antonio is kind of frustrating for people new to online comparison shopping. Consumers have so many options that it can easily be a challenge to find more affordable Volkswagen Golf insurance rates.
Unimaginable but true, most Texas auto insurance customers have remained with the same auto insurance company for more than four years, and nearly 40% of drivers have never even shopped around for cheaper coverage. Most drivers in the United States could save almost 47% each year just by shopping around, but they just feel it’s too hard to find cheaper insurance by shopping around.
Consumers need to get comparison quotes on a regular basis since insurance prices trend upward over time. Despite the fact that you may have had the lowest rates on Volkswagen Golf insurance in San Antonio a couple years back a different company probably has better rate quotes today. Forget all the misinformation about auto insurance because you’re about to find out one of the best ways to find the best coverage while lowering your premiums.
Affordable car insurance in San Antonio, TX
The providers in the list below can provide comparison quotes in Texas. If more than one company is shown, it’s highly recommended you click on several of them in order to get a fair rate comparison.
Analysis of coverages
The information displayed next outlines a range of insurance policy prices for Volkswagen Golf models. Learning how insurance prices are calculated helps drivers make decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $282 | $684 | $430 | $26 | $128 | $1,550 | $129 |
| Golf 2.5 4-Dr Hatchback | $318 | $684 | $430 | $26 | $128 | $1,586 | $132 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $318 | $788 | $430 | $26 | $128 | $1,690 | $141 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $318 | $684 | $430 | $26 | $128 | $1,586 | $132 |
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Information does not factor in specific San Antonio garaging location which can alter rates significantly.
Deductible comparison
The hardest decision when buying coverage is how low should you set your deductibles. The premium rates below outline the rate fluctuation when you select higher and lower comp and collision deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $294 | $584 | $382 | $22 | $114 | $1,421 | $118 |
| Golf 2.5 4-Dr Hatchback | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $332 | $672 | $382 | $22 | $114 | $1,547 | $129 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $240 | $472 | $382 | $22 | $114 | $1,230 | $103 |
| Golf 2.5 4-Dr Hatchback | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $270 | $542 | $382 | $22 | $114 | $1,330 | $111 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Prices do not factor in vehicle garaging location which can change premium rates substantially.
Using the premium rates above, we can conclude that using a $250 deductible will cost you about $17 more each month or $204 a year averaged for all Golf models than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 15 months between claims, you would more than likely save some money if you choose the higher deductible.
The chart below shows how choosing a deductible and can increase or decrease Volkswagen Golf insurance prices for different categories of driver ages. The rate quotes are based on a married male driver, full physical damage coverage, and no discounts are applied.
Cost comparison with and without full coverage
The example below illustrates the comparison of Volkswagen Golf insurance prices with full physical damage coverage compared to only buying liability only. The data is based on no claims or violations, $500 deductibles, single marital status, and no policy discounts are applied.
Are you wasting money paying for full coverage?
There is no clear-cut rule for excluding full coverage on your policy, but there is a general convention. If the annual cost of having full coverage is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s assume your Volkswagen Golf book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $5,000 after paying the physical damage deductible. If it’s costing you more than $500 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are some conditions where removing full coverage is not advised. If you still owe money on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
San Antonio insurance discounts for a Volkswagen Golf
Some insurance providers do not list every discount in an easy-to-find place, so here is a list some of the more common as well as the least known discounts you could be receiving when you buy San Antonio auto insurance online.
- College Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from San Antonio and leave their car at home could qualify for this discount.
- ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
- Theft Deterrent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and can earn a small discount on your policy.
- Defensive Driver Discounts – Taking part in a class that teaches defensive driver techniques is a good idea and can lower rates and also improve your driving technique.
- Payment Method – By paying your policy upfront rather than paying in monthly installments you may have a lower total premium amount.
- 55 and Retired – Mature drivers are able to get lower premium rates.
It’s important to note that many deductions do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though it appears all the discounts add up to a free policy, you won’t be that lucky.
The illustration below illustrates the comparison of Volkswagen Golf car insurance costs with and without discounts applied to the policy rates. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, claim-free, multi-car, and multi-policy discounts applied.
A few of the larger companies and some of the discounts include:
- Farmers Insurance offers discounts for electronic funds transfer, multi-car, distant student, switch companies, youthful driver, business and professional, and homeowner.
- State Farm may have discounts that include good driver, student away at school, Steer Clear safe driver discount, anti-theft, multiple policy, and safe vehicle.
- Liberty Mutual offers premium reductions for multi-policy, exclusive group savings, teen driver discount, newly retired, and new move discount.
- MetLife has savings for claim-free, defensive driver, accident-free, good student, good driver, and multi-policy.
- Progressive offers discounts including good student, continuous coverage, online signing, multi-vehicle, and online quote discount.
If you need lower rates, check with each insurance company how many discounts you can get. Some credits may not apply to policies in San Antonio. To locate insurance companies who offer cheap Volkswagen Golf insurance quotes in San Antonio, click this link.
How Insurers Determine Volkswagen Golf Insurance Prices
Part of the car insurance buying process is learning the different types of things that help calculate your car insurance rates. If you have a feel for what controls the rates you pay, this enables you to make decisions that can help you get lower premium levels. Many different elements are taken into consideration when premium rates are determined. Most are fairly basic like an MVR report, but some are less apparent such as your marital status or how financially stable you are.
Listed below are some of the factors used by your company to calculate prices.
Does insurance cost more for men? – The statistics show women tend to be less risk to insure than men. The data does not necessarily mean that men are worse drivers. Females and males cause fender benders in similar numbers, but guys tend to have more serious accidents. They also have more aggressive citations such as reckless driving.
The information below shows the comparison of Volkswagen Golf car insurance rates for male and female drivers. The price estimates are based on no accidents or driving violations, full coverage, $250 deductibles, single status, and no policy discounts are applied.
Good drivers pay better premiums – Attentive drivers get better rates than bad drivers. Just one chargeable violation can increase rates substantially. Drivers who have received license-revoking tickets like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to legally drive a vehicle.
The illustration below demonstrates how speeding tickets and at-fault accidents impact Volkswagen Golf car insurance rates for different categories of driver ages. The information is based on a married female driver, full coverage, $500 deductibles, and no discounts are applied.
Insurance prices are higher for high performance vehicles – The performance of the car you are insuring makes a big difference in your auto insurance rates. Smaller low performance passenger vehicles receive the most favorable rates, but many other things help determine your insurance rates.
The data below uses these assumptions: single male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Volkswagen Golf rates compared to other vehicles that have different performances.
More policies can equal more savings – The majority of companies apply lower prices to buyers who buy several policies from them. It’s known as a multi-policy discount. The amount of the discounts can be anywhere from five to ten percent in most cases. If you currently are using one company, you still need to compare other San Antonio Golf insurance rates to ensure the best deal.There is a good possibility that you can find a better deal by buying from different companies
Where you reside factors in – Being located in small towns and rural areas is a positive aspect when trying to find low car insurance rates. Fewer drivers on the road means a lower chance of having an accident and a lower car theft rate. People who live in big cities regularly have congested traffic and more time behind the wheel. The longer drive time means more chance of being in an accident.
Too many car insurance claims drive up prices – If you file a lot of claims don’t be surprised to see higher premiums or even policy non-renewal. Insurance companies in Texas generally give discounts to drivers that do not abuse their auto insurance. Auto insurance is intended to be relied upon for more catastrophic claims.
Volkswagen Golf claim data – Companies use historical loss data when setting rates for each model. Vehicles that tend to have high amounts or severity of claims will have higher premium rates. The table shown below demonstrates the insurance loss data used by companies for Volkswagen Golf vehicles.
For each policy coverage, the loss probability for all vehicles, as a total average, equals 100. Percentage numbers below 100 imply a favorable loss record, while percentages above 100 indicate higher probability of having a loss 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: Insurance Institute for Highway Safety for 2013-2015 Model Years
You may require the services of an insurance agent
Some people still prefer to buy from a licensed agent and there is nothing wrong with that. The best thing about comparing rate quotes online is that you can find lower rates and still have an agent to talk to.
To find an agent, once you fill out this form (opens in new window), your insurance data is instantly submitted to participating agents in San Antonio that provide free San Antonio auto insurance quotes for your coverage. It’s much easier because you don’t need to even leave your home since price quotes are sent to you directly. You’ll get the best rates without the usual hassles of price shopping. If you have a need to get a comparison quote for a specific company, you just need to navigate to their website and give them your coverage information.
Picking the best provider shouldn’t rely on just a cheap quote. Any agent in San Antonio should be forthright in answering these questions:
- Do they have a Better Business Bureau rating in San Antonio?
- Does the company have a solid financial rating?
- Will the agent or a CSR service your policy?
- Are claim adjusters local or do you have to take your car somewhere else?
- How are they compensated?
- Do they have any clout with companies to ensure a fair claim settlement?
- Is the agency covered by Errors and Omissions coverage?
If you are searching for a reputable insurance agent or broker, there are a couple of types of agencies and how they are slightly different. Agencies in San Antonio can either be independent agents or exclusive agents depending on their employer.
Exclusive Agencies
Agents in the exclusive channel work for only one company such as Allstate and State Farm. Exclusive agencies are unable to compare rates from other companies so they are skilled at selling on more than just price. Exclusive insurance agents are usually quite knowledgeable on the products they sell and that enables them to sell even at higher rates. Some people will only purchase coverage from exclusives mainly due to the brand name and the convenience of having all coverages with one company.
Below are San Antonio exclusive agents that are able to give rate quotes.
- State Farm: Sam Longoria
11026 Culebra Rd #105 – San Antonio, TX 78253 – (210) 433-3264 – View Map - Enrique Enriquez – State Farm Insurance Agent
8359 Perrin Beitel Rd – San Antonio, TX 78218 – (210) 967-8669 – View Map - Ryan Meier – State Farm Insurance Agent
8015 Bandera Rd #102 – San Antonio, TX 78250 – (210) 680-6557 – View Map
Independent Agents
Agents in the independent channel do not work for one specific company and that is an advantage because they can write policies with any number of different companies and possibly get better coverage at lower prices. If they quote lower rates, an independent agent can move your coverage which requires no work on your part.
If you are trying to find cheaper rates, it’s a good idea to compare quotes from a couple of independent agencies to maximize your price options. Most can insure with additional companies that you may not be familiar with that many times have cheaper rates.
Below are independent agencies in San Antonio willing to provide price quote information.
- Legion Insurance Agency
5309 Wurzbach Rd – San Antonio, TX 78230 – (210) 693-1501 – View Map - San Antonio Insurance Agency
1100 NE Interstate 410 Loop – San Antonio, TX 78209 – (210) 822-2590 – View Map - Grona Boles Martin Bloxsom Insurance Agency
800 Isom Rd # 100 – San Antonio, TX 78216 – (210) 366-5094 – View Map
Frequent quotes can save
We’ve covered a lot of tips how to find cheap Volkswagen Golf insurance in San Antonio. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even discover the lowest car insurance rates are with some of the smallest insurance companies.
Low-cost Volkswagen Golf insurance in San Antonio can be found online as well as from independent agents in San Antonio, so you should be comparing quotes from both so you have a total pricing picture. Some companies may not have price quotes online and many times these small, regional companies only sell through local independent agencies.
As you quote San Antonio auto insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped liability coverage limits only to regret at claim time that the savings was not a smart move. The aim is to purchase plenty of coverage for the lowest price.
For more information, take a look at these articles:
- Collision Insurance Coverage (Nationwide)
- Who Has Cheap San Antonio Car Insurance for Veterans? (FAQ)
- How to Avoid Common Accidents (State Farm)
- Auto Insurance FAQ (Farmers Insurance)