It takes a little time, but the best way to find affordable Volkswagen Golf insurance is to annually compare prices from insurance carriers in Scottsdale. Rates can be compared by following these guidelines.
- Step 1: Take a few minutes and learn about how companies price auto insurance and the things you can change to prevent rate increases. Many policy risk factors that drive up the price such as traffic violations and a low credit rating can be rectified by paying attention to minor details. Keep reading for the details to prevent high rates and earn larger discounts.
- Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from a single company like GEICO or State Farm, while independent agencies can give you price quotes from multiple insurance companies.
- Step 3: Compare the quotes to the premium of your current policy to see if a cheaper rate is available. If you find better rates and switch companies, make sure there is no coverage gap between policies.
The key aspect of shopping around is to make sure you’re comparing similar limits and deductibles on each quote request and and to analyze all possible companies. Doing this guarantees an apples-to-apples comparison and a complete selection of prices.
It’s easy to assume that car insurance companies want to keep your business as long as possible. Insureds who perform rate comparisons are inclined to switch companies because of the high probability of finding a policy with more affordable rates. A survey found that drivers who routinely compared rates saved an average of $865 annually compared to other drivers who didn’t regularly shop around.
If finding the lowest price for car insurance is why you’re here, knowing how to shop and compare insurance can help make the process easier.
If you have auto insurance now, you stand a good chance to be able to shop for the lowest rates using the concepts covered in this article. These techniques will tell you the best ways to compare prices and some tips to save money. But Arizona drivers must know how companies market insurance on the web and take advantage of how the system works.
Car insurance providers offering low-cost rates in Arizona
The companies in the list below provide free quotes in Scottsdale, AZ. To locate cheap auto insurance in Arizona, we suggest you compare several of them to get a more complete price comparison.
Detailed insurance information
The premium table displayed next highlights a range of insurance premium costs for Volkswagen Golf models. Having insight into how insurance rates are established can be of help when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $162 | $364 | $314 | $18 | $94 | $952 | $79 |
| Golf 2.5 4-Dr Hatchback | $182 | $364 | $314 | $18 | $94 | $972 | $81 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $182 | $418 | $314 | $18 | $94 | $1,026 | $86 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $182 | $364 | $314 | $18 | $94 | $972 | $81 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can revise rates considerably.
Higher deductibles save money
A question often asked by Scottsdale drivers is which deductible level should you buy. The following insurance rates may help to conceptualize the rate differences between low and high comp and collision deductibles. The first pricing table uses a $250 comprehensive and collision 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 | $232 | $460 | $300 | $18 | $90 | $1,125 | $94 |
| Golf 2.5 4-Dr Hatchback | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $262 | $530 | $300 | $18 | $90 | $1,225 | $102 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $144 | $290 | $300 | $18 | $90 | $842 | $70 |
| Golf 2.5 4-Dr Hatchback | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $162 | $334 | $300 | $18 | $90 | $904 | $75 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in zip code location which can affect coverage rates greatly.
Based on the data above, we can derive that using a $250 deductible costs approximately $25 more each month or $300 for a full year averaged for all Golf models than opting for the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 30 months between claim filings, you would more than likely save some money by going with a higher deductible. The numbers below show the way you can decide this on your own policy.
| Average monthly premium for $250 deductibles: | $97 |
| Average monthly premium for $1,000 deductibles (subtract): | – $72 |
| Monthly savings from raising deductible: | $25 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $25 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 30 months |
One thing to note is that increasing deductibles to lower your rates results in a higher out-of-pocket expense when you file a claim. That will necessitate enough money stashed away in order to pay the deductible for vehicle repair.
The information below illustrates how choosing a deductible and can raise or lower Volkswagen Golf insurance rates for different age groups. The data assumes a single female driver, comprehensive and collision coverage, and no other discounts are factored in.
Full coverage versus liability-only
The diagram below shows the comparison of Volkswagen Golf insurance costs with liability coverage only compared to full coverage. The costs are based on no claims or driving citations, $250 deductibles, single status, and no discounts are factored in.
When to switch to liability coverage only
There is no exact rule to delete comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is about 10% or more of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s pretend your Volkswagen Golf settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $3,000 after the policy deductible has been paid. If it’s costing in excess of $300 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are some scenarios where buying only liability insurance is not financially feasible. If you still owe a portion of the original loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not opt for liability only.
Scottsdale car insurance discounts
Car insurance is easily one of your largest bills, but there may be some discounts that may help make it more affordable. Some discounts apply automatically when you quote, but once in a while a discount must be specially asked for prior to receiving the credit.
- Drivers Ed for Students – Require your teen driver to enroll and complete driver’s education if it’s offered in school.
- E-sign – A few car insurance companies will give you a small discount shop Scottsdale auto insurance on the internet.
- Multiple Cars – Insuring all your vehicles on one policy can reduce the rates for all insured vehicles.
- Active Military Service – Being deployed in the military may lower your car insurance rates slightly.
- Discount for Home Ownership – Being a homeowner may earn you a small savings since owning and maintaining a home demonstrates responsibility.
- Savings for New Vehicles – Adding a new car to your policy can save you some money since newer vehicles are generally safer.
- Seat Belts Save more than Lives – Forcing all vehicle occupants to use a seat belt could save 15% off the personal injury premium cost.
- Employee of Federal Government – Active or retired federal employment may reduce rates when you quote Scottsdale auto insurance depending on your company.
- Waiver for an Accident – This one isn’t a discount, but a handful of insurance companies allow you one accident without the usual rate increase as long as you don’t have any claims before the accident.
- Membership in Organizations – Participating in a professional or civic organization could trigger savings on your policy.
One last thing about discounts, many deductions do not apply to the entire cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way.
The information below compares Volkswagen Golf insurance prices with and without discounts. The data assumes a male driver, no claims, a clean driving record, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, claim-free, homeowner, multi-policy, and multi-car discounts applied.
A few of the larger companies and their offered discounts are shown below.
- 21st Century offers premium reductions for early bird, automatic seat belts, anti-lock brakes, homeowners, and air bags.
- Progressive may have discounts that include good student, homeowner, multi-vehicle, online quote discount, continuous coverage, and multi-policy.
- State Farm has discounts for Steer Clear safe driver discount, good driver, defensive driving training, driver’s education, and safe vehicle.
- Nationwide discounts include good student, easy pay, accident-free, business or organization, Farm Bureau membership, and family plan.
- Esurance policyholders can earn discounts including good driver, Pac-12 alumni, homeowner, multi-policy, emergency road assistance, and defensive driver.
- The Hartford may include discounts for good student, vehicle fuel type, driver training, anti-theft, bundle, and air bag.
Check with each insurance company which credits you are entitled to. A few discounts may not be offered everywhere. To see a list of providers that offer multiple discounts in Scottsdale, click here to view.
Five Tips to Get Cheap Scottsdale Insurance Premiums
Lots of factors are used when pricing auto insurance. Most are fairly basic such as your driving history, but other criteria are more obscure such as your credit history or how financially stable you are. Consumers need to have an understanding of some of the elements that come into play when calculating your policy premiums. If you have some idea of what influences your rates, this empowers consumers to make smart changes that could result in better auto insurance rates.
- Know your vehicle’s crash test rating – Vehicles that have high safety ratings are cheaper to insure. Highly rated vehicles protect occupants better and lower injury rates means less claims paid and more competitive rates for policyholders.
- Lower prices with continuous auto insurance coverage – Driving any period of time without insurance is a misdemeanor and auto insurance companies will penalize you for letting your coverage cancel without a new policy in place. And not only will insurance be more expensive, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with the Arizona motor vehicle department.
- Only buy extra coverages you need – Insurance companies have many additional coverages that you can buy if you aren’t diligent. Insurance for things like replacement cost coverage, death and dismemberment, and extra life insurance coverage are some examples. The coverages may be enticing when deciding what coverages you need, but now you might not need them so consider taking them off your policy.
- Pay more out-of-pocket – Coverage for physical damage, also called ‘full coverage’, is used to repair damage to your vehicle. Examples of covered claims could be a broken windshield, hail damage, and damage from a fallen tree branch. Physical damage deductibles are how much the insured will be required to pay if a claim is determined to be covered. The more damage repair cost you are required to pay out-of-pocket, the less money you will pay for auto insurance.
- Single drivers take more risk – Having a wife or husband may cut your premiums on your policy. Having a spouse generally demonstrates drivers are less irresponsible and it’s proven that being married results in fewer claims.
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Loss statistics for a Volkswagen Golf – Insurance companies analyze the history of losses to help calculate a profitable premium price. Models that tend to have a higher amount or frequency of claims will have higher rates for specific coverages.
The table shown below demonstrates the collected loss data for Volkswagen Golf vehicles. For each type of coverage, the claim amount for all vehicles averaged together is represented as 100. Numbers that are below 100 suggest a positive loss record, while percentage values above 100 indicate more frequent claims or an increased chance of a larger loss.
Volkswagen Golf Insurance Loss Statistics Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Volkswagen Golf 109 97 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Independent versus exclusive auto insurance agents
Some consumers just want to sit down and talk to an agent and that is not a bad decision One of the great benefits of comparing insurance prices online is that you can obtain the lowest rates but still work with a licensed agent.
Upon completion of this simple form, your coverage information is transmitted to participating agents in Scottsdale that can give you free Scottsdale auto insurance quotes for your insurance coverage. It makes it easy because there is no need to do any legwork due to the fact that quote results will go to you directly. You can find better rates without the usual hassles of price shopping. If you wish to get a rate quote from a particular provider, you can always find their quoting web page and submit a quote form there.
Deciding on an insurer needs to be determined by more than just a low price. Here are some questions you should ask.
- Can they provide you with a list of referrals?
- What is their Better Business Bureau rating?
- Is the agency active in community causes in Scottsdale?
- If you have an accident, will your rates go up?
- Is there any savings for paying the full premium?
- Do they have any clout with companies to ensure a fair claim settlement?
- Is there a local claims center in Scottsdale?
- Are they full-time agents?
Not all auto insurance agents are the same
If you want to use a local agent, there are a couple of different types of agents and how they operate. Agents are classified as either exclusive or independent (non-exclusive).
Exclusive Agents
Agents in the exclusive channel can only provide pricing for a single company and some examples include American Family, State Farm, and AAA. They are unable to provide other company’s prices so you might not find the best rates. Exclusive agents are very knowledgeable on sales techniques which helps them sell insurance even at higher premiums. Some people will only buy from the same agent for years primarily because of the brand rather than having low rates.
The following are exclusive insurance agencies in Scottsdale who may provide you with comparison quotes.
- Manny Birch – State Farm Insurance Agent
7297 N Scottsdale Rd Ste 1001 – Scottsdale, AZ 85253 – (602) 279-4383 – View Map - Joe Dufek – State Farm Insurance Agent
5425 E Bell Rd #108 – Scottsdale, AZ 85254 – (602) 493-5300 – View Map - American Family Insurance – Denis Zdrale
7001 N Scottsdale Rd #1045 – Paradise Valley, AZ 85253 – (480) 951-0115 – View Map
Independent Agencies or Brokers
These agents do not have single company limitations so they can write business amongst many companies depending on which coverage is best. If premiums increase, the agent simply finds a different carrier without you having to go to a different agency.
If you are comparing auto insurance prices, you need to include rate quotes from a couple of independent agencies to have the best price comparison. Most can insure with small regional insurance companies which can be an advantage.
Below are independent insurance agents in Scottsdale that are able to give price quotes.
- Colonial General Insurance Co
8475 E Hartford Dr – Scottsdale, AZ 85255 – (480) 991-7889 – View Map - Good’s Insurance Agency, Inc. – South West
33725 N Scottsdale Rd #125h – Scottsdale, AZ 85266 – (877) 208-6690 – View Map - J B Martin Insurance Agency
4835 E Cholla St – Scottsdale, AZ 85254 – (480) 423-7444 – View Map
Scottsdale auto insurance company ratings
Picking the highest-rated insurance provider is difficult considering how many companies sell insurance in Scottsdale. The ranking data shown below could help you decide which car insurance companies to look at shopping prices with.
Top 10 Scottsdale Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Top 10 Scottsdale Car Insurance Companies Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Affordable coverage is out there
People who switch companies do it for a number of reasons such as unfair underwriting practices, lack of trust in their agent, questionable increases in premium or even delays in responding to claim requests. It doesn’t matter what your reason, switching insurance companies is actually quite simple.
Some companies do not provide the ability to get a quote online and these smaller companies work with independent agencies. More affordable insurance in Scottsdale can be bought online in addition to many Scottsdale insurance agents, and you should be comparing both to get a complete price analysis.
When shopping online for insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped physical damage coverage to discover at claim time they didn’t have enough coverage. Your goal is to buy enough coverage for the lowest cost, not the least amount of coverage.
For more information, feel free to browse the following helpful articles:
- What is Gap Insurance? (Insurance Information Institute)
- Who Has the Cheapest Scottsdale Car Insurance Quotes for a Toyota Highlander? (FAQ)
- What Insurance is Cheapest for a Toyota Corolla in Scottsdale? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a School Permit in Scottsdale? (FAQ)
- Who Has the Cheapest Scottsdale Auto Insurance with Multiple Speeding Tickets? (FAQ)
- Who Has the Cheapest Scottsdale Auto Insurance for a Learners Permit? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers with Bad Credit in Scottsdale? (FAQ)
- Property Damage Coverage (Liberty Mutual)
- Tools for Teen Driving Safety (State Farm)