The easiest way to get affordable Volkswagen Golf insurance in Pittsburgh is to start comparing prices regularly from insurance carriers who can sell car insurance in Pennsylvania.
- First, take a little time to learn about coverages and the changes you can make to drop your rates. Many policy risk factors that increase rates like traffic citations, accidents, and a not-so-good credit score can be rectified by making lifestyle changes or driving safer.
- Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO or Farmers Insurance, while independent agencies can provide price quotes from multiple sources.
- Third, compare the price quotes to your existing coverage to see if cheaper Golf coverage is available in Pittsburgh. If you find a better price and decide to switch, ensure coverage does not lapse between policies.
- Fourth, notify your agent or company of your intent to cancel your current car insurance policy. Submit a signed application and payment to your new company or agent. Make sure you put the certificate verifying proof of insurance in your vehicle.
One key aspect of rate comparisons is that you’ll want to make sure you compare similar limits and deductibles on each quote request and and to look at every company you can. Doing this helps ensure a level playing field and a better comparison of the market.
Everyone knows that car insurance companies don’t want you quoting rates from other companies. Insureds who compare other rates are highly likely to buy a new policy because there is a good chance of finding a more affordable policy. Surprisingly, a recent survey revealed that consumers who compared prices once a year saved about $3,400 over four years compared to drivers who never shopped around for better prices.
If finding discount rates on Volkswagen Golf insurance in Pittsburgh is the reason you’re here, understanding the best way to shop and compare coverage rates can make the process less intimidating.
Affordable companies for Volkswagen Golf insurance in Pennsylvania
The following companies have been selected to offer price quotes in Pennsylvania. If you want to find the best cheap auto insurance in Pittsburgh, it’s a good idea that you visit several of them in order to get a fair rate comparison.
Rates and detailed analysis
The premium information displayed next covers different policy rates for Volkswagen Golf models. Learning how insurance policy rates are established is important for you to make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $152 | $312 | $336 | $20 | $100 | $920 | $77 |
| Golf 2.5 4-Dr Hatchback | $172 | $312 | $336 | $20 | $100 | $940 | $78 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $172 | $358 | $336 | $20 | $100 | $986 | $82 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $172 | $312 | $336 | $20 | $100 | $940 | $78 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rates do not factor in garaging location in Pittsburgh which can alter premium rates substantially.
Policy deductibles
The hardest decision when buying coverage is where to set your physical damage deductibles. The following insurance rates lay out the premium difference of buying low and high physical damage coverage deductibles. The first rate table uses a $250 physical damage deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $254 | $506 | $330 | $20 | $98 | $1,233 | $103 |
| Golf 2.5 4-Dr Hatchback | $288 | $506 | $330 | $20 | $98 | $1,267 | $106 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $288 | $582 | $330 | $20 | $98 | $1,343 | $112 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $288 | $506 | $330 | $20 | $98 | $1,267 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $206 | $408 | $330 | $20 | $98 | $1,062 | $89 |
| Golf 2.5 4-Dr Hatchback | $234 | $408 | $330 | $20 | $98 | $1,090 | $91 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $234 | $468 | $330 | $20 | $98 | $1,150 | $96 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $234 | $408 | $330 | $20 | $98 | $1,090 | $91 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in zip code location which can impact price quotes substantially.
Using the premium rates above, we can conclude that using a $250 deductible costs about $15 more each month or $180 each year than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 17 months between claim filings, you would probably come out ahead going with the higher deductible.
These discounts can lower your car insurance quotes
Companies don’t always publicize all available discounts in an easy-to-find place, so the following is a list of a few of the more common in addition to some of the lesser obvious discounts that may be available.
- Accident Forgiveness Coverage – Not necessarily a discount, but companies like State Farm and Progressive allow you one accident without raising rates with the catch being you have to be claim-free for a set time period.
- Pay Now and Pay Less – If you can afford to pay the entire bill instead of paying each month you may have a lower total premium amount.
- Pittsburgh Homeowners Discount – Simply owning a home can get you a discount because it requires personal responsibility.
- Senior Citizen Discount – Drivers that qualify as senior citizens can get a discount up to 10%.
- Low Mileage Discounts – Fewer annual miles on your Volkswagen may allow you to get lower rates on the low mileage vehicles.
- Driver Safety – Taking part in a course teaching safe driver skills could earn you a small percentage discount and easily pay for the cost of the class.
- Membership in Organizations – Participating in a professional or civic organization is a good way to get lower rates on car insurance.
- Discount for Multiple Policies – When you have multiple policies with the same insurance company you could earn a discount of up to 20% off your total Golf insurance premium.
- Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education if it’s offered in school.
As a sidenote, some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. Even though it appears it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will help reduce your overall bill.
The illustration below shows the comparison of Volkswagen Golf insurance rates with and without discounts applied to the rates. The costs are based on a female driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, multi-car, claim-free, and marriage discounts applied.
Larger car insurance companies and a selection of discounts can be found below.
- Farmers Insurance policyholders can earn discounts including bundle discounts, business and professional, homeowner, switch companies, distant student, multi-car, and alternative fuel.
- Esurance offers premium reductions for paid-in-full, online quote, emergency road assistance, multi-car, and Switch & Save.
- State Farm has discounts for good driver, passive restraint, Steer Clear safe driver discount, multiple autos, and good student.
- GEICO may have discounts that include seat belt use, five-year accident-free, driver training, anti-theft, and multi-policy.
- Allstate may include discounts for good payer, eSmart discount, farm vehicle, good student, resident student, safe driver, and EZ pay plan discount.
Check with each company the best way to save money. A few discounts may not be offered in Pittsburgh. To view insurance companies who offer online Volkswagen Golf insurance quotes in Pennsylvania, click here to view.
Insurance Price Influencing Factors
It’s important that you understand some of the elements that go into determining your premiums. When you understand what determines base rates, this empowers consumers to make smart changes that will entitle you to better insurance rates. Many different elements are used in the calculation when quoting car insurance. Some of the criteria are obvious like your driving record, but some are more transparent such as your credit history or how financially stable you are.
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Accidents can increase costs – Your driving citation history has a big impact on rates. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Even one speeding ticket may increase your cost to the point where it’s not affordable. Drivers who have multiple tickets such as reckless driving, hit and run or driving under the influence might be required by their state to complete a SR-22 with their state’s department of motor vehicles in order to legally drive.
The diagram below demonstrates how citations and at-fault accidents drive up Volkswagen Golf insurance costs for different age groups of insureds. The prices are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
- Amount of liability insurance – Liability insurance provides coverage if a court rules you are at fault for damages caused by your negligence. Your policy’s liability insurance provides for a legal defense to attempt to prove you were not liable. This coverage is relatively inexpensive compared to comp and collision, so buy as much as you can afford.
- Safer cars save money – Cars with high safety ratings tend to have lower insurance rates. These vehicles reduce injuries and better occupant protection translates directly to fewer claims which can result in lower premiums. If your Volkswagen Golf earned at least four stars on Safercar.gov it may be receiving lower rates.
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Gender impacts prices – Statistics have proven women tend to be less risk to insure than men. The data does not necessarily mean that men are worse drivers. Males and females are in at-fault accidents in similar percentages, but men have accidents that have higher claims. Men also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
The example below compares Volkswagen Golf auto insurance rates for male and female drivers. The costs are based on no claims, a clean driving record, full physical damage coverage, $100 deductibles, drivers are not married, and no policy discounts are applied.
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Volkswagen Golf insurance loss statistics – Car insurance companies include the past claim trends for vehicles as a way to help calculate a profitable premium rate. Vehicles that statistically have increased claim numbers or amounts will be charged more to insure.
The information below illustrates the actual insurance loss data for Volkswagen Golf vehicles. For each type of coverage, the claim probability for all vehicles, as a total average, is equal to 100. Percentages below 100 suggest a positive loss record, while values that are 100 or greater indicate more frequent claims or tendency to have higher losses.
Car Insurance Loss Data for Volkswagen Golf Models Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Volkswagen Golf 109 97 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
You may need specialized auto insurance coverage
When quoting and comparing insurance from an agent or online for your vehicles, there really is not a “best” method to buy coverage. Every situation is different.
These are some specific questions can aid in determining whether your personal situation may require specific advice.
- How can I get my company to pay me more for my totaled car?
- Is upholstery damage covered by car insurance?
- What happens if I owe more than my Volkswagen Golf is worth?
- How can I get the company to pay a claim?
- How many claims can I have before being canceled?
- Do I have ACV or replacement cost coverage?
- Is a fancy paint job covered?
- When should my teen driver be added to my policy?
- Are combined or split liability limits better?
- What is an umbrella policy?
If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.
Compare prices but still have a neighborhood Pittsburgh auto insurance agent
Many drivers would rather get professional advice from a licensed agent and that is just fine! Most agents can point out coverage gaps and help file insurance claims. One of the benefits of price shopping on the web is you can get better rates but also keep your business local.
Once you complete this quick form, the quote information is immediately sent to agents in your area that provide free Pittsburgh auto insurance quotes for your business. There is no need to even leave your home since rate quotes are delivered to your email. In the event you want to compare rates for a specific company, you can always search and find their rate quote page and complete a quote there.
Selecting an insurer should include more criteria than just a cheap price. Any agent in Pittsburgh should be forthright in answering these questions:
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Which family members are covered?
- How long has their agency been open in Pittsburgh?
- Is auto insurance their primary focus in Pittsburgh?
- If they are an independent agency in Pittsburgh, which companies do they recommend?
- Do they write coverage based solely on cost?
- How often do they review coverages?
If you are wanting to find a local insurance agency, there are two types of agencies and how they are slightly different. Agents in Pittsburgh may be either exclusive agents or independent agents. Both types of agents can do a good job, but it is important to understand why they differ because it may have an impact on your selection of an agent.
Exclusive Insurance Agencies
These type of agents can only write with one company such as State Farm, Allstate and AAA. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agents receive extensive training on their company’s products which helps offset the inability to provide other markets. Consumers sometimes buy from the same agent for years mostly because of the brand legacy rather than having low rates.
Shown below are Pittsburgh exclusive insurance agents that are able to give comparison quotes.
- Danielle Howard – State Farm Insurance Agent
1500 Ardmore Blvd Ste 403 – Pittsburgh, PA 15221 – (412) 351-3305 – View Map - Allstate Insurance: Thomas Bianco
1154 Freeport Rd – Pittsburgh, PA 15238 – (412) 967-7655 – View Map - Chad Gregorini – State Farm Insurance Agent
7 Brilliant Ave – Pittsburgh, PA 15215 – (412) 784-8855 – View Map
Independent Agents (or Brokers)
Agents of this type are appointed with more than one company so they can insure your vehicles with a variety of different insurance companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies which requires no work on your part. When comparing rates, you should always get rate quotes from at least one independent agent so that you have a good selection of quotes to compare. They often place coverage with companies that do not advertise much that may have much lower rates than larger companies.
Below are independent insurance agents in Pittsburgh that are able to give comparison quotes.
- Preston and Grafton Insurance Agency
2012 Murray Ave – Pittsburgh, PA 15217 – (412) 586-7340 – View Map - Hurley Insurance Brokers
3508 Fifth Ave – Pittsburgh, PA 15213 – (412) 682-6100 – View Map - J.S. Smith Insurance Agency
101 Bellevue Rd Suite 02 – Pittsburgh, PA 15229 – (412) 931-6070 – View Map
Cheap car insurance premiums are possible
In this article, we presented many tips how you can compare Volkswagen Golf insurance prices in Pittsburgh. The key thing to remember is the more you quote Pittsburgh auto insurance, the higher your chance of finding affordable Volkswagen Golf insurance quotes. Drivers may even discover the biggest savings come from the least-expected company.
When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced liability limits or collision coverage and learned later that the savings was not a smart move. Your goal is to buy enough coverage for the lowest cost, not the least amount of coverage.
Lower-priced Volkswagen Golf insurance in Pittsburgh can be purchased from both online companies as well as from independent agents in Pittsburgh, and you should compare rates from both to get a complete price analysis. There are still a few companies who do not offer price quotes online and many times these regional insurance providers provide coverage only through independent agents.
Additional articles
- Winter Driving (Insurance Information Institute)
- What Car Insurance is Cheapest for a Jeep Grand Cherokee in Pittsburgh? (FAQ)
- Who Has the Cheapest Auto Insurance for a Company Car in Pittsburgh? (FAQ)
- What Insurance is Cheapest for Low Mileage Drivers in Pittsburgh? (FAQ)
- Who Has the Cheapest Pittsburgh Auto Insurance for Welfare Recipients? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers with Bad Credit in Pittsburgh? (FAQ)
- What is Gap Insurance? (Insurance Information Institute)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Safety Features for Your New Car (State Farm)
- Shopping for a Safe Car (Insurance Information Institute)