Finding cheap prices for Volkswagen Golf insurance in Detroit is always a challenge for drivers not familiar with shopping for insurance online. People have so many different companies and agents to choose from that it can easily become a difficult situation to find cheaper prices on Volkswagen Golf insurance.
It’s an obvious assumption that car insurance companies don’t want you to look at other companies. People who shop rates annually are very likely to switch insurance companies because they stand a good chance of finding a more affordable policy. A recent survey discovered that drivers who shopped around annually saved as much as $72 a month as compared to drivers who never compared rates.
If finding low prices for Volkswagen Golf insurance is why you’re here, then having a good understanding how to find companies and compare insurance coverage can make the process less intimidating.
How to compare Detroit Volkswagen Golf insurance rate quotes
Most major insurance companies such as Progressive, Allstate and GEICO make it easy to get coverage prices directly from their websites. Doing online price comparisons for Volkswagen Golf insurance in Detroit doesn’t take a lot of time as you simply enter your coverage preferences into a form. After you complete the form, their quoting system orders your driving record and credit report and gives you a price quote.
This helps simplify price comparisons, and it’s necessary to get many rate quotes in order to get the lowest payment possible.
To get comparison pricing now, compare rates now from the companies shown below. To compare your current rates, we recommend that you enter the insurance coverages just like they are on your policy. Doing this assures you will get a fair comparison for exact coverage.
The providers in the list below offer comparison quotes in Michigan. If multiple companies are listed, we recommend you visit several of them to find the lowest auto insurance rates.
Premium rates and analysis
The coverage information shown below outlines estimates of insurance prices for Volkswagen Golf models. Having a good understanding how auto insurance prices are formulated can be useful when making 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 | $324 | $766 | $836 | $50 | $250 | $2,226 | $186 |
| Golf 2.5 4-Dr Hatchback | $364 | $766 | $836 | $50 | $250 | $2,266 | $189 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $364 | $882 | $836 | $50 | $250 | $2,382 | $199 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $364 | $766 | $836 | $50 | $250 | $2,266 | $189 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in vehicle garaging location which can decrease or increase price quotes greatly.
Raise deductibles and save
One of the hardest decisions when shopping for insurance is which deductibles should you choose. The rates below summarize how much more you’ll pay when you select higher and lower policy deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $534 | $1060 | $690 | $40 | $206 | $2,555 | $213 |
| Golf 2.5 4-Dr Hatchback | $602 | $1060 | $690 | $40 | $206 | $2,623 | $219 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $602 | $1220 | $690 | $40 | $206 | $2,783 | $232 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $602 | $1060 | $690 | $40 | $206 | $2,623 | $219 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $434 | $854 | $690 | $40 | $206 | $2,224 | $185 |
| Golf 2.5 4-Dr Hatchback | $490 | $854 | $690 | $40 | $206 | $2,280 | $190 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $490 | $984 | $690 | $40 | $206 | $2,410 | $201 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $490 | $854 | $690 | $40 | $206 | $2,280 | $190 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium costs do not factor in specific garaging location which can increase or decrease price quotes substantially.
Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $29 more each month or $348 a year than buying the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at least 9 months between claims, you would probably save some money if you choose the higher deductible. The illustration below shows a better example of how you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $221 |
| Average monthly premium for $500 deductibles (subtract): | – $192 |
| Monthly savings from raising deductible: | $29 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $29 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 9 months |
Impact of speeding/accidents on Detroit insurance rates
The chart below shows how traffic citations and at-fault claims can affect Volkswagen Golf car insurance rates for different insured age categories. The information is based on a single female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
Auto insurance does more than just repair your car
Despite the high cost of buying insurance for a Volkswagen Golf in Detroit, insurance serves several important purposes.
- Just about all states have minimum liability requirements which means you are required to carry specific limits of liability coverage in order to drive the car. In Michigan these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your Golf with a loan, more than likely the lender will make it mandatory that you buy full coverage to guarantee their interest in the vehicle. If the policy lapses, the lender may insure your Volkswagen for a lot more money and force you to reimburse them for the expensive policy.
- Insurance protects your Volkswagen Golf and your assets. It also can pay for medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance are definitely more than the cost, especially when you need to use it. According to a 2015 survey, the average American driver is currently overpaying as much as $825 a year so you should quote rates at least once a year to help ensure money is not being wasted.
Take these seven policy discounts and save on Volkswagen Golf insurance in Detroit
Insuring your fleet can be pricey, but there could be significant discounts that may help make it more affordable. Some of these discounts will be visible when you purchase, but lesser-known reductions have to be requested specifically prior to receiving the credit.
- No Accidents – Good drivers with no accidents can save substantially when compared with insureds who have frequent claims or accidents.
- Good Grades Discount – Getting good grades can earn a discount of 20% or more. Most companies allow this discount well after school through age 25.
- Driver’s Education for Students – Have your child successfully take a driver’s education course if it’s offered in school.
- Paperwork-free – Certain larger companies will give you a small discount just for signing your application over the internet.
- Distant Student Discount – College-age children who live away from home to go to college and do not have access to a covered vehicle may be able to be covered for less.
- Discounts for Cautious Drivers – Drivers who don’t get into accidents may save up to 50% more than drivers with accidents.
- Discounts for Seat Belt Usage – Requiring all passengers to fasten their seat belts can save 10% or more off the PIP or medical payment premium.
As a footnote on discounts, most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, you’re out of luck.
The illustration below visualizes the comparison of Volkswagen Golf insurance premiums with and without discounts applied to the premium. The price estimates are based on a female driver, no claims or violations, Michigan state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-car, multi-policy, claim-free, and marriage discounts applied.
Larger auto insurance companies and some of the premium reductions they offer can be read below.
- GEICO has discounts for driver training, emergency military deployment, anti-theft, five-year accident-free, air bags, and daytime running lights.
- USAA policyholders can earn discounts including defensive driver, multi-vehicle, safe driver, loyalty savings, and multi-policy.
- Progressive offers discounts for multi-policy, online signing, good student, continuous coverage, multi-vehicle, homeowner, and online quote discount.
- American Family has savings for multi-vehicle, good driver, defensive driver, air bags, and accident-free.
- Esurance may include discounts for renters, online shopper, safety device, good driver, online quote, and defensive driver.
- Farmers Insurance discounts include youthful driver, alternative fuel, homeowner, pay in full, early shopping, business and professional, and teen driver.
- State Farm includes discounts for good student, Steer Clear safe driver discount, driver’s education, accident-free, multiple policy, and passive restraint.
When getting free Detroit auto insurance quotes, it’s a good idea to each company or agent how many discounts you can get. Discounts might not be offered on policies in Detroit. If you would like to view companies offering auto insurance discounts in Michigan, click this link.
Local Detroit insurance agencies
Many drivers would prefer to get professional advice from a licensed agent and that can be a great decision One of the benefits of comparing auto insurance online is that you can find cheap auto insurance quotes and also buy local.
After filling out this simple form, your insurance coverage information is transmitted to insurance agents in Detroit who will give you quotes for your auto insurance coverage. You won’t even need to contact any insurance agencies due to the fact that quote results will go to you instantly. You can most likely find cheaper rates and work with a local agent. If you want to get a rate quote from a particular provider, you just need to visit that company’s website and submit a quote form there.
Selecting a company needs to be determined by more than just the price. The questions below may impact your decision as well.
- What discounts might you be missing?
- Are claims handled at the agent’s location?
- Are aftermarket or OEM parts used to repair vehicles?
- Do they write coverage based solely on cost?
- Is the agent CPCU or CIC certified?
When looking for a good insurance agency, you should know the different agency structures and how they operate. Insurance agencies in Detroit can be categorized as either exclusive or independent.
Exclusive Auto Insurance Agencies
Agents that elect to be exclusive can only quote rates from one company and examples are State Farm, Allstate, or Farmers Insurance. Exclusive agencies are unable to place coverage with different providers so you might not find the best rates. Exclusive agencies receive extensive training on their company’s products which helps overcome the inability to quote other rates. Consumers frequently use the same agent mostly because of the brand name and strong financial ratings.
Listed below are exclusive agencies in Detroit who can help you get comparison quotes.
- Tony Massey – State Farm Insurance Agent
15 E Kirby St #112 – Detroit, MI 48202 – (313) 873-3334 – View Map - Charlotte Knight – State Farm Insurance Agent
7100 W Seven Mile Rd – Detroit, MI 48221 – (313) 340-9000 – View Map - State Farm – Eric Huffman
3031 W Grand Blvd #568 – Detroit, MI 48202 – (313) 875-3172 – View Map
Independent Auto Insurance Agents
Independent insurance agents do not work for one specific company and that allows them to write policies through many different auto insurance companies and find you the best rates. To transfer your coverage to a different company, your agent can just switch to a different company which makes it simple for you.
When comparison shopping, you need to include price quotes from a few independent agents in order to compare the most rates. They also have the ability to place coverage with small regional insurance companies which may provide better rates.
Shown below is a short list of independent insurance agents in Detroit that can give you comparison quotes.
- Advasure
22824 John R Rd – Hazel Park, MI 48030 – (248) 398-5200 – View Map - L.A. Insurance
17516 Livernois Ave – Detroit, MI 48221 – (313) 863-6000 – View Map - Michigan Basic Property Insurance
3245 E Jefferson Ave – Detroit, MI 48207 – (313) 877-7400 – View Map
Detailed coverages of your auto insurance policy
Knowing the specifics of your auto insurance policy aids in choosing the best coverages for your vehicles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Volkswagen Golf.
Due to the fact that many Michigan drivers carry very low liability coverage limits (20/40/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
Coverage for liability
This can cover damage or injury you incur to people or other property. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 20/40/10 which means a $20,000 limit per person for injuries, a per accident bodily injury limit of $40,000, and a total limit of $10,000 for damage to vehicles and property.
Liability coverage protects against things like loss of income, medical expenses, court costs and bail bonds. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible. Michigan state minimum liability requirements are 20/40/10 but you should think about purchasing more liability than the minimum.
The chart below demonstrates why low liability limits may not be high enough to adequately cover claims.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like damage from flooding, a tree branch falling on your vehicle, falling objects, a broken windshield and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance pay for immediate expenses for EMT expenses, X-ray expenses, surgery and ambulance fees. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Coverage for collisions
Collision coverage pays for damage to your Golf from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as crashing into a ditch, backing into a parked car, rolling your car, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible on your Golf in order to get cheaper collision rates.
More comparisons equals cheaper rates
Drivers leave their current company for many reasons like high rates after DUI convictions, an unsatisfactory settlement offer, poor customer service or even delays in paying claims. It doesn’t matter why you want to switch switching companies is less work than it seems.
Affordable Volkswagen Golf insurance in Detroit is possible online in addition to local insurance agencies, and you need to comparison shop both so you have a total pricing picture. Some companies may not offer online price quotes and most of the time these regional insurance providers only sell through local independent agents.
As you shop your coverage around, it’s very important that you do not reduce coverage to reduce premium. There have been many cases where drivers have reduced physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at the best cost, but don’t skip important coverages to save money.
How to buy lower priced Volkswagen Golf insurance in Detroit
Truthfully, the best way to save on Volkswagen Golf insurance is to annually compare prices from providers in Detroit.
Step 1: Learn about how insurance companies determine prices and the modifications you can make to prevent high rates. Many factors that increase rates like getting speeding tickets and poor credit history can be remedied by paying attention to minor details.
Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from one company like GEICO and State Farm, while independent agents can give you price quotes from multiple insurance companies.
Step 3: Compare the quotes to your existing coverage to see if you can save by switching companies. If you can save money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Provide notification to your current agent or company to cancel the current policy and submit payment along with a signed and completed policy application to your new company or agent. Once the paperwork is finalized, keep the new proof of insurance certificate along with the vehicle’s registration papers.
One thing to point out is that you’ll want to compare identical limits and deductibles on every quote and and to get price estimates from as many companies as feasibly possible. This enables a fair rate comparison and a complete price analysis.
Other resources
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- How Much is Auto Insurance for a Ford Escape in Detroit? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Drivers Over Age 60 in Detroit? (FAQ)
- How Much is Auto Insurance for a Ford Explorer in Detroit? (FAQ)
- How Much are Car Insurance Rates for Drivers Requiring a SR22 in Detroit? (FAQ)
- Who Has Affordable Detroit Auto Insurance for Uninsured Drivers? (FAQ)
- What Insurance is Cheapest for 19 Year Olds in Detroit? (FAQ)
- What is the Best Car Insurance in Detroit? (DetroitInsure.com)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Electronic Stability Control FAQ (iihs.org)