Volkswagen Golf insurance rates image courtesy of QuoteInspector.com
Searching for cheaper insurance for your Volkswagen Golf SportWagen in California can be a lot of work, but you can use these tips to find lower rates. There is a better way to buy auto insurance so we're going to tell you the quickest way to quote coverages for a Volkswagen and find the cheapest rates from San Diego insurance agents and online providers.
Locating the best rates in San Diego can initially seem challenging. If you already have coverage or are looking for a new policy, you can use these techniques to get lower rates and still have adequate protection. Smart shoppers only have to learn the least time-consuming way to shop for auto insurance from many different companies.
Reducing your insurance rates can be surprisingly simple. All you need to do is invest a little time getting comparison quotes to see which company has affordable Volkswagen Golf SportWagen insurance quotes.
The companies shown below offer price quotes in San Diego, CA. If several companies are displayed, we recommend you visit as many as you can in order to find the lowest rates.
Protect more than your Volkswagen vehicle
Even though it can be expensive, paying for insurance is required in California but also provides important benefits.
- Just about all states have compulsory liability insurance requirements which means you are required to carry a specific minimum amount of liability insurance if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a loan on your vehicle, almost every bank will stipulate that you buy insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender will be forced to insure your Volkswagen at a more expensive rate and force you to pay for the much more expensive policy.
- Insurance preserves your Volkswagen Golf SportWagen and your assets. It will also provide coverage for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you cause an accident and are sued. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay to repair the damage.
The benefits of having insurance definitely exceed the price paid, particularly for liability claims. As of last year, the average driver in California overpays more than $869 every year so it's recommended you shop around at least once a year to be sure current rates are still competitive.
Get cheaper Volkswagen Golf SportWagen insurance in San Diego with discounts
Companies do not list every policy discount in an easy-to-find place, so below is a list some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy San Diego auto insurance online.
- Auto/Life Discount - Not all insurance companies offer life insurance, but some may give you a break if you buy life insurance from them.
- Seat Belt Usage - Drivers who require all vehicle occupants to use a seat belt can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- New Car Discount - Adding a new car to your policy is cheaper since new vehicles are generally safer.
- Multi-Vehicle Discounts - Buying a policy with multiple vehicles on one policy could earn a price break for each car.
- Lower Rates for Military - Having a deployed family member could be rewarded with lower insurance rates.
- Auto/Home Discount - When you combine your home and auto insurance with the same insurance company they may give you a discount of approximately 10% to 15%.
A little disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only cut individual premiums such as liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, insurance companies aren't that generous.
A partial list of companies that may offer policyholders most of the discounts above are:
When getting a coverage quote, ask all companies you are considering which discounts you qualify for. Some credits might not be offered in San Diego. If you would like to see a list of companies with the best discounts in California, click here to view.
Insurance agent or online?
Some people would rather get advice from a local agent and that is just fine! Experienced insurance agents are trained risk managers and help you file claims. The best thing about comparing rate quotes online is you can get the lowest rates and also buy local.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information is instantly submitted to participating agents in San Diego that can give you free San Diego auto insurance quotes to get your business. It's much easier because you don't need to contact any agents due to the fact that quote results will go to you directly. If for some reason you want to get a rate quote from a specific company, feel free to find their quoting web page and give them your coverage information.
Finding the right company needs to be determined by more than just the premium amount. Before buying a policy in San Diego, get answers to these questions.
- Will you work with the agent or an assistant?
- What insurance companies do they work with in San Diego?
- Do they have 24-hour customer assistance?
- Do they write coverage based solely on cost?
- If independent agents, which companies do they recommend?
- How much can you save by raising your physical damage deductibles?
- Do they get paid more for recommending certain coverages?
When researching a reputable agency, it's helpful to know the different types of agencies and how they differ in how they can insure your vehicles. Agents in San Diego are categorized either exclusive or independent. Both types of agents can insure your vehicles properly, but it is a good idea to know the difference in how they write coverage because it can factor into buying decisions.
Exclusive Agencies
These agents have only one company to place business with like Allstate and State Farm. Exclusive agents cannot compare other company's rates so they are skilled at selling on more than just price. They are usually well trained on their company's products which helps overcome the inability to quote other rates. A lot of people use the same exclusive agent partially due to the prominent brand name rather than having the cheapest rates.
Listed below are San Diego exclusive agencies that are able to give price quote information.
- R J Blake - State Farm Insurance Agent
1040 University Ave B201 - San Diego, CA 92103 - (619) 681-0060 - View Map - David Hiser - State Farm Insurance Agent
910 Grand Ave #205 - San Diego, CA 92109 - (858) 272-2343 - View Map - Steve Elder - State Farm Insurance Agent
9225 Mira Mesa Blvd #208d - San Diego, CA 92126 - (858) 271-8928 - View Map
Independent Auto Insurance Agents
Agents that elect to be independent do not write with just one company and that is an advantage because they can write policies with a variety of different insurance companies and help determine which has the cheapest rates. To move your coverage to a new company, the business is moved internally which is easy for the insured. If you are comparing auto insurance prices, you will want to get some free quotes from several independent agencies to ensure the widest selection of prices. Most independent agents also contract with smaller mutual companies which can save you money.
The following are independent agents in San Diego that can give you rate quotes.
- Barney and Barney Insurance Services LLC
9171 Towne Centre Dr Suite 500 - San Diego, CA 92122 - (800) 321-4696 - View Map - Leavitt Insurance Agency of San Diego
380 Stevens Ave - Solana Beach, CA 92075 - (858) 259-5800 - View Map - Anchor General Insurance Agency-Texas
10256 Meanley Dr - San Diego, CA 92131 - (858) 527-3600 - View Map
Quote. Compare. Save.
As you shop your coverage around, never reduce needed coverages to save money. There are too many instances where someone sacrificed physical damage coverage only to regret at claim time that it was a big mistake. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost, but do not skimp to save money.
Low-cost Volkswagen Golf SportWagen insurance in San Diego can be sourced on the web as well as from insurance agents, so you need to shop San Diego auto insurance with both to have the best selection. Some insurance companies may not offer online rate quotes and most of the time these smaller companies only sell coverage through independent insurance agents.
We just covered some good ideas how to get a better price on Volkswagen Golf SportWagen insurance in San Diego. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may even discover the best price on insurance is with some of the lesser-known companies.
More learning opportunities
- Vehicle Insurance in the U.S. (Wikipedia)
- Who Has the Cheapest San Diego Car Insurance for High Risk Drivers? (FAQ)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Determing Auto Insurance Rates (GEICO)