Save Money on Volkswagen Golf Insurance in Las Vegas

How long has it been since you compared more competitive Volkswagen Golf insurance in Las Vegas? No normal person looks forward to paying premiums for car insurance, in particular when they could get a better deal.

It’s easy to assume that insurance companies don’t want you to look for cheaper rates. People who shop around for a cheaper policy are likely to switch to a new company because there is a great chance of finding a policy with better rates. Surprisingly, a recent survey revealed that people who shopped around saved $72 a month as compared to drivers who don’t make a habit of comparing rates.

If finding discount rates on Volkswagen Golf insurance in Las Vegas is why you’re here, then having a grasp of how to find companies and compare coverages can save money and time.

Companies like State Farm, GEICO and Farmers Insurance all claim big savings, bombarding you with advertising and it is challenging if not impossible to ignore the flashy ads and take the time to shop coverage around.

You need to compare prices on a regular basis since insurance prices are constantly changing. If you had the lowest rates on Volkswagen Golf insurance in Las Vegas two years ago you will most likely find a better rate quote today. Forget all the misinformation about car insurance because you’re about to learn the right way to eliminate unnecessary coverages and save money on Volkswagen Golf insurance in Las Vegas.

The majority of larger companies allow you to get prices for coverage from their websites. The process is quite easy as all you need to do is type in the coverages you want into the quote form. When the form is submitted, their quoting system sends out for your driving record and credit report and quotes a price based on many factors. This makes it easy to compare insurance prices and it is imperative to compare as many rates as possible in order to get cheaper rates.

To compare rates using this form now, check out the auto insurance providers below. If you have your current policy handy, we recommend you enter coverages and limits identical to your current policy. This helps ensure you will have an apples-to-apples comparison using the same coverage and limits.

The auto insurance companies shown below can provide price comparisons in Nevada. To get cheap car insurance in NV, we suggest you click on several of them in order to find the lowest rates.

Coverage statistics and figures

The rate table shown next covers detailed analysis of coverage prices for Volkswagen Golf models. Learning a little about how insurance rates are figured can be useful when making smart choices when buying a policy.

Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Price information does not factor in specific zip code location which can lower or raise rates noticeably.

Physical damage deductible comparison

The hardest decision when buying coverage is how low should you set your deductibles. The figures shown below determine how much more rates are of buying low and high comp and collision deductibles. The first set of rates uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Price information does not factor in Las Vegas location which can increase or decrease coverage prices noticeably.

Based on this data, using a $250 deductible costs approximately $26 more each month or $312 each year across all Volkswagen Golf models than choosing the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 29 months between claims, you would more than likely save some money if you decide on a higher deductible.

One thing to note is that raising deductibles to get cheaper rates means you will have to pay more out-of-pocket when you do file a claim. You need some extra savings in the event you need to pay the higher deductible.

The information below illustrates how your deductible choice and can raise or lower Volkswagen Golf insurance prices for each age group. The information is based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Three reasons to insure your Golf

Despite the high cost of buying insurance for a Volkswagen Golf in Las Vegas, insuring your vehicle is mandatory in Nevada but it also protects more than you think.

• The majority of states have compulsory liability insurance requirements which means state laws require a minimum amount of liability if you want to drive legally. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you have a lien on your Volkswagen Golf, it’s most likely the lender will require you to have comprehensive coverage to ensure they get paid if you total the vehicle. If the policy lapses, the bank may buy a policy for your Volkswagen at an extremely high rate and require you to fork over for the expensive policy.
• Auto insurance preserves not only your Volkswagen but also your financial assets. It will also cover medical transport and hospital expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of insuring your Golf are definitely more than the cost, especially for larger claims. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $865 each year so it’s recommended you shop around once a year at a minimum to save money.

You may qualify for discounts for Volkswagen Golf insurance in Las Vegas

Companies offering auto insurance do not list every discount they offer very clearly, so the list below contains a few of the more well known in addition to some of the lesser obvious discounts that you can inquire about if you buy Las Vegas auto insurance online.

• Save over 55 – Mature drivers can possibly qualify for a discount up to 10%.
• Buy New and Save – Buying a new car instead of a used Golf can cost up to 25% less due to better safety requirements for new vehicles.
• Discounts for Federal Employees – Federal government employees could provide a small rate reduction depending on your car insurance provider.
• Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you can avoid monthly service charges.
• Anti-lock Brakes – Cars equipped with ABS or steering control are much safer to drive and earn discounts up to 10%.
• Renewal Discounts – Some car insurance companies give discounts for signing up early. This can save 10% or more.
• Discount for Life Insurance – Select insurance carriers reward you with a discount if you purchase life insurance from them.
• Low Mileage Discounts – Maintaining low annual mileage can qualify you for lower premium rates on the low mileage vehicles.
• Discount for Home Ownership – Just being a homeowner can get you a discount because owning a home is proof of financial responsibility.
• Discount for Multiple Policies – If you have multiple policies with one company you may earn as much as 10 to 15 percent.

One last thing about discounts, many deductions do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it appears all those discounts means the company will pay you, it doesn’t quite work that way.

The diagram below illustrates the difference between Volkswagen Golf insurance prices with and without discounts applied to the rates. The premium estimates are based on a male driver, no accidents, no driving violations, Nevada state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, multi-car, claim-free, and marriage discounts applied.

Some of the insurance companies that may include these money-saving discounts include:

• GEICO
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

When getting a coverage quote, ask each company or agent how you can save money. Some of the earlier mentioned discounts may not be available in every state. If you would like to see a list of car insurance companies that offer multiple discounts in Las Vegas, click this link.

Shop online but buy locally

Some consumers would rather visit with an insurance agent and doing so can bring peace of mind One of the best bonuses of getting free rate quotes online is that you can find better rates and still buy from a local agent. And providing support for local agencies is important especially in Las Vegas.

For easy comparison, once you complete this short form, your insurance data is immediately sent to insurance agents in Las Vegas who will return price quotes for your business. It simplifies rate comparisons since you won’t have to search for any insurance agencies because prices are sent to you directly. You can find the lowest rates AND a local agent. If you want to get a price quote from a specific car insurance provider, just visit that company’s website and fill out the quote form the provide.

Two types of car insurance agents

If you need to find a reliable insurance agency, you need to know there are two different types of agencies and how they work. Agents in Las Vegas can either be exclusive or independent (non-exclusive).

Independent Car Insurance Agents

Independent insurance agents are not limited to a single company so they can quote policies through many different car insurance companies and find you cheaper rates. If your agent finds better pricing, an independent agent can move your coverage and you can keep the same agent. When comparing car insurance rates, you will want to get several quotes from a couple of independent agencies to ensure the widest selection of prices.

Shown below is a short list of independent agents in Las Vegas that may be able to give free car insurance quotes.

More Las Vegas agents

Exclusive Car Insurance Agencies

Agents of this type can usually just insure with one company such as Farmers Insurance and State Farm. Exclusive agents are unable to place coverage with different providers so keep that in mind. Exclusive agents are well schooled on their company’s products which helps them sell on service rather than price.

Below is a short list of exclusive insurance agencies in Las Vegas willing to provide price quote information.

More Las Vegas agents

Selecting an auto insurance agent requires more thought than just the bottom line cost. Any agent in Las Vegas should have no problem answering these questions:

• Is the agency active in community causes in Las Vegas?
• Do they review policy coverages at every renewal?
• Does the agent recommend any additional coverage?
• Is vehicle damage repaired with OEM or aftermarket parts?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?

After receiving positive feedback to any questions you may have as well as an affordable premium quote, it’s a good possibility that you have found an insurance agency that is a good match to properly service your car insurance policy.

There’s no such thing as the perfect auto insurance policy

When it comes to the best auto insurance coverage, there is no single plan that fits everyone. Your situation is unique so your insurance needs to address that.
Here are some questions about coverages that may help highlight if your insurance needs may require specific advice.

• How much will a speeding ticket raise my rates?
• Should I sign the liability waiver when renting a car?
• Is there coverage for my trailer?
• Do I need special coverage while pulling a rented trailer?
• Does my policy cover my teen driver if they drive my company car?
• Can I afford to pay high deductible claims out of pocket?
• Do I pay less if my vehicle is kept in my garage?
• Do I need replacement cost coverage on my Volkswagen Golf?
• Will damage be repaired with OEM parts?
• What if I total my Volkswagen Golf and owe more than it’s worth?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Coverage specifics

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most insurance policies.

Collision coverage – This coverage pays for damage to your Golf caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like rolling your car, hitting a parking meter, hitting a mailbox, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible on your Golf to bring the cost down.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like surgery, dental work, EMT expenses, pain medications and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision) – This pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, vandalism and rock chips in glass. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability insurance – Liability insurance can cover damages or injuries you inflict on other people or property by causing an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 15/30/10 that means you have $15,000 in coverage for each person’s injuries, a limit of $30,000 in injury protection per accident, and $10,000 of coverage for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as funeral expenses, structural damage, emergency aid and medical services. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford. Nevada requires minimum liability limits of 15/30/10 but you should think about purchasing higher limits.

The next chart demonstrates why minimum state limits may not be enough coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Volkswagen Golf.

Due to the fact that many Nevada drivers only carry the minimum required liability limits (Nevada limits are 15/30/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Shop smart and save

As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. Too many times, an insured cut collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your goal is to buy a smart amount of coverage at the best cost while still protecting your assets.

Cheaper Volkswagen Golf insurance in Las Vegas is possible both online and with local Las Vegas insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some car insurance companies may not have the ability to get quotes online and usually these regional insurance providers only sell coverage through independent agents.

How to buy cheaper Volkswagen Golf insurance in Las Vegas

The recommended way to find low-cost Volkswagen Golf insurance is to start doing an annual price comparison from insurance carriers who sell insurance in Las Vegas.

Step 1: Try to learn a little about car insurance and the factors you can control to prevent expensive coverage. Many rating criteria that drive up the price such as tickets, at-fault accidents, and a not-so-good credit score can be remedied by making minor driving habit or lifestyle changes.

Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like GEICO and Allstate, while independent agents can give you price quotes from multiple insurance companies. View prices

Step 3: Compare the new rates to your existing policy to see if you can save by switching companies. If you find a better price, make sure there is no coverage gap between policies.

Step 4: Tell your current company to cancel your existing policy and submit the signed application along with the required initial payment to the new company. As soon as coverage is bound, put the new certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.

One tip to remember is that you’ll want to make sure you compare identical limits and deductibles on every quote and and to get rates from as many different companies as possible. This guarantees an apples-to-apples comparison and plenty of rates choose from.

For more information, feel free to browse the resources below:

• Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
• Who Has the Cheapest Las Vegas Car Insurance for a Nissan Rogue? (FAQ)
• Who Has the Cheapest Auto Insurance for Immigrants in Las Vegas? (FAQ)
• Who Has Cheap Las Vegas Car Insurance Rates for Police Officers? (FAQ)
• What Auto Insurance is Cheapest for Welfare Recipients in Las Vegas? (FAQ)
• How Much are Las Vegas Car Insurance Quotes for a Toyota Corolla? (FAQ)
• Shopping for a Safe Car (Insurance Information Institute)
• Rollover Crash FAQ (iihs.org)
• Understanding Limits and Deductibles (Allstate)
• Alcohol Impaired Driving FAQ (iihs.org)