Locating better insurance prices for a Volkswagen Golf in California could be a painful process, but you can learn a few tricks to find lower rates.
There are both good and bad ways to buy car insurance so you’re going to learn the absolute fastest way to get price quotes for a new or used Volkswagen and obtain the lowest possible price either online or from Stockton insurance agents.
It’s important to do rate comparisons quite often since prices are variable and change quite frequently. If you had the best quotes on Volkswagen Golf insurance in Stockton at your last renewal a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in how to use the internet to save money, get proper coverage and the best rates.
Check for these discounts on Volkswagen Golf insurance in Stockton
Insurance can be prohibitively expensive, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of quoting, but some must be requested specifically prior to receiving the credit.
- Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance from them.
- Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school.
- Passive Restraints – Factory air bags or automatic seat belts could see savings of more than 20%.
- Government Employees – Active or former government employment may reduce rates when you quote Stockton car insurance but check with your company.
- Online Discount – A few larger online companies will provide an incentive shop Stockton car insurance digitally online.
- Defensive Driver Discount – Completing a course in safe driver may get you a small discount if you qualify.
- Save with a New Car – Buying car insurance coverage on a new vehicle is cheaper because newer vehicles keep occupants safer.
One last thing about discounts, most of the big mark downs will not be given to the entire policy premium. Most only cut the cost of specific coverages such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck.
The diagram below shows the comparison of Volkswagen Golf car insurance rates with and without some available policy discounts. The data is based on a female driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, claim-free, multi-policy, and multi-car discounts applied.
Car insurance companies that may offer quotes with some of the discounts shown above include:
Before purchasing a policy, check with every company what discounts are available to you. Some discounts might not be offered on policies in your area. To find companies that provide some of the discounts listed above in Stockton, click here.
Finding cheaper Stockton insurance prices doesn’t have to be difficult. All you need to do is spend a few minutes to compare rate quotes from online providers.
The companies in the list below provide comparison quotes in California. If several companies are displayed, we suggest you visit several of them in order to get a fair rate comparison.
Data for Volkswagen Golf insurance
The rate table below covers a range of coverage costs for Volkswagen Golf models. Having knowledge of how car insurance prices are determined can help you make smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $342 | $678 | $442 | $26 | $132 | $1,620 | $135 |
| Golf 2.5 4-Dr Hatchback | $386 | $678 | $442 | $26 | $132 | $1,664 | $139 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $386 | $780 | $442 | $26 | $132 | $1,766 | $147 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $386 | $678 | $442 | $26 | $132 | $1,664 | $139 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Prices do not factor in specific garaging location which can change insurance rates considerably.
Deductible comparison
One of the hardest decisions when shopping for insurance is how high should the physical damage coverage deductibles be. The following tables may help to conceptualize how much more you’ll pay between low and high physical damage coverage deductibles. The first rate estimation uses a $100 physical damage deductible and the second set of rates uses a $1,000 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 | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| Golf 2.5 4-Dr Hatchback | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $238 | $490 | $442 | $26 | $132 | $1,328 | $111 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Information does not factor in Stockton location which can modify auto insurance rates noticeably.
Based on the figures above, using a $100 deductible costs an average of $51 more each month or $612 every year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 18 months between claim filings, you would probably be better off if you opt for a higher deductible.
The chart below demonstrates how deductibles and can impact Volkswagen Golf insurance prices for different age groups of insureds. The price estimates are based on a married male driver, comp and collision included, and no policy discounts are applied.
Volkswagen Golf annual premiums for males versus females
The example below shows the difference between Volkswagen Golf premium costs for male and female drivers. The costs are based on no claims or violations, comprehensive and collision coverage, $500 deductibles, drivers are single, and no additional discounts are factored in.
Volkswagen Golf liability rates compared to full coverage
The information below illustrates the comparison of Volkswagen Golf insurance prices when comparing full coverage to liability only. The data is based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
Should you pay for full coverage?
There is no definitive rule for dropping comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Volkswagen Golf claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,000 after paying your policy deductible. If you are paying over $800 annually to have full coverage, then you might want to think about dropping full coverage.
There are a few situations where dropping physical damage coverage is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.
What if I want to buy from local Stockton auto insurance agents?
Certain consumers would rather talk to a local agent and that can be a smart move Experienced insurance agents are highly skilled in risk management and help file insurance claims. One of the benefits of getting online price quotes is you may find cheap insurance rates and also buy local. And buying from local agents is still important in Stockton.
By using this short form, your insurance coverage information is instantly submitted to agents in your area who will give competitive quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to search for any insurance agencies as quotes are delivered to you instantly. If you wish to get a rate quote from a specific insurance provider, you just need to go to their quote page and fill out their quote form.
Choose an insurance agent wisely
If you’re trying to find a local agent, there are two types of agencies from which to choose. Insurance agents in Stockton are either independent agents or exclusive agents depending on their employer. Both sell affordable insurance policies, but it’s important to know why they differ since it may influence the kind of agent you use.
Independent Insurance Agents
Agents that elect to be independent are not restricted to one company and that allows them to write policies with lots of companies enabling the ability to shop coverage around. If they quote lower rates, your policy is moved internally which requires no work on your part.
When comparing insurance prices, you absolutely need to get insurance quotes from independent agents in order to compare the most rates. They also have the ability to place coverage with additional companies that you may not be familiar with that can offer cheaper rates than bigger companies.
Shown below is a small list of independent insurance agencies in Stockton that may be able to provide comparison quotes.
- Nationwide Insurance: Maffei Ins and Fin Services
2540 Pacific Ave #1 – Stockton, CA 95204 – (209) 957-9433 – View Map - Nationwide Insurance: Larry Benson Insurance Agency Inc
4545 Georgetown Pl Ste A1 – Stockton, CA 95207 – (209) 337-0241 – View Map - Travaille Insurance: Travaille Amy
6735 Herndon Pl # A – Stockton, CA 95219 – (209) 473-1777 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive work for only one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents are unable to compare rates from other companies so they have no alternatives for high prices. These agents are trained well on their products and sales techniques which helps them compete with independent agents. Drivers often purchase coverage from exclusives partially due to the brand and strong financial ratings.
Listed below is a short list of exclusive agents in Stockton who can help you get rate quotes.
- Allstate Insurance Agent: Confidence Plus Insurance Services
6852 Pacific Ave b – Stockton, CA 95207 – (209) 473-4403 – View Map - Farmers Insurance – Jason Ramey
5250 Claremont Ave #138 – Stockton, CA 95207 – (209) 472-6080 – View Map - Farmers Insurance – Reklai Salazar
7843 N Pershing Ave – Stockton, CA 95207 – (209) 407-4000 – View Map
Finding the right auto insurance agent requires more thought than just a cheap quote. Here are some questions you might want to ask.
- Does the quote include credit and driving reports?
- What are their preferred companies if they are an independent agency?
- Which company do they place the most coverage with?
- Can you use your own choice of collision repair facility?
- Do they assist clients in filing claims?
- Will their companies depreciate repairs to your car based on the mileage?
- Can glass repairs be made at your home?
- By raising physical damage deductibles, how much would you save?
Car insurance companies ranked
Buying coverage from the best auto insurance company can be difficult considering how many different companies there are to choose from in California. The ranking data shown next may help you decide which insurers you want to consider when comparing rate quotes.
Top 10 Stockton Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Stockton Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
More comparisons equals cheaper rates
As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. There are too many instances where someone dropped liability limits or collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to find the BEST coverage at the best price, not the least amount of coverage.
Throughout this article, we presented some good ideas how you can shop for Volkswagen Golf insurance online. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. Drivers may even discover the biggest savings come from a small mutual company.
Cheap Volkswagen Golf insurance in Stockton can be sourced both online as well as from insurance agents, and you should compare rates from both to get a complete price analysis. A few companies may not have the ability to get quotes online and these regional insurance providers prefer to sell through local independent agencies.
How to find affordable Volkswagen Golf insurance in Stockton
If you want to find the absolute lowest rates, then the best way to get affordable auto insurance rates is to compare prices regularly from companies who provide auto insurance in Stockton. Prices can be compared by following these steps.
- Take a little time to learn about car insurance and the steps you can take to keep rates in check. Many things that are responsible for high rates like careless driving and an unacceptable credit history can be improved by making minor changes in your lifestyle.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive and State Farm, while agents who are independent can give you price quotes for a wide range of companies.
- Compare the new rate quotes to your current policy to see if cheaper Golf coverage is available in Stockton. If you find a lower rate and change companies, make sure coverage is continuous and does not lapse.
The key aspect of shopping around is that you’ll want to make sure you compare the same coverage limits and deductibles on every quote request and and to look at as many car insurance companies as possible. This helps ensure a level playing field and the best price selection.
Even more information is available at these sites:
- Auto Insurance FAQ (Farmers Insurance)
- Who Has Affordable Car Insurance Quotes for Low Mileage Drivers in Stockton? (FAQ)
- Who Has Cheap Car Insurance Rates for 16 Year Olds in Stockton? (FAQ)
- What Insurance is Cheapest for Low Credit Scores in Stockton? (FAQ)
- Who Has the Cheapest Stockton Car Insurance Quotes for Drivers Over Age 60? (FAQ)
- Who Has the Cheapest Stockton Auto Insurance for a Nissan Rogue? (FAQ)
- Red Light Cameras (State Farm)
- How to Avoid Common Accidents (State Farm)
- How do I File a Claim? (Insurance Information Institute)