How to Compare New Orleans Volkswagen Golf Insurance

Insurance quote for Volkswagen Golf in New OrleansIf you want to find the absolute lowest rates, then the best way to get discount Volkswagen Golf insurance is to annually compare prices from different companies who can sell car insurance in New Orleans. You can compare prices by completing these steps.

Step 1: Take a little time to learn about what coverages are included in your policy and the measures you can control to prevent rate increases. Many risk factors that are responsible for high rates like at-fault accidents and bad credit can be eliminated by making minor changes to your lifestyle.

Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO or Farmers Insurance, while independent agencies can provide prices for a wide range of insurance providers. Start a quote

Step 3: Compare the new rate quotes to your existing policy to see if a cheaper price is available. If you can save money, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Give notification to your current company of your intention to cancel your current coverage and submit payment along with a signed and completed policy application for your new coverage. Once received, store the proof of insurance paperwork in an easily accessible location.

One bit of advice is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on every quote request and and to compare every insurance company. Doing this provides an apples-to-apples comparison and maximum price selection.

It’s a known fact that insurance companies don’t want their policyholders to compare prices. Insureds who shop around for the cheapest rate are inclined to switch to a new company because they have good chances of finding a policy with more affordable rates. A recent study showed that people who shopped around annually saved over $865 annually compared to policyholders who never compared rates.

If finding budget-friendly rates on car insurance is why you’re reading this, then having some insight into how to find companies and compare coverage rates can make the process less intimidating.

Buying affordable policy in New Orleans is not as confusing as people think. Nearly every person who is required by state law to have insurance stands a good chance to be able to save money. Although Louisiana car owners do need to learn the way companies market on the web because rates fluctuate considerably.

Discounts mean cheaper rates for Volkswagen Golf insurance in New Orleans

Insuring your fleet can be pricey, but you may find discounts that may help make it more affordable. Some of these discounts will be visible at the time of purchase, but lesser-known reductions have to be asked about before being credited.

A little note about advertised discounts, most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. Even though it may seem like you can get free auto insurance, that’s just not realistic. But any discount will cut the amount you pay for coverage.

The diagram below illustrates the comparison of Volkswagen Golf yearly insurance costs with and without discounts applied. The prices are based on a female driver, a clean driving record, no claims, Louisiana state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, homeowner, safe-driver, and multi-policy discounts applied.

The best car insurance companies and a partial list of their discounts include:

When quoting, ask every insurance company which credits you are entitled to. Discounts might not be available to policyholders in your state. To see insurance companies who offer free Volkswagen Golf insurance quotes in Louisiana, follow this link.

When quoting car insurance, remember that comparing all the rates in your area increases the chance that you will find more affordable insurance.

The following companies can provide price quotes in Louisiana. If multiple companies are listed, it’s highly recommended you click on several of them in order to find the lowest rates.

Rates and data analysis

The price information displayed below showcases estimates of coverage costs for Volkswagen Golf models. Having a better idea how rates are figured can be of help when making decisions when shopping your coverage around.

Volkswagen Golf Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $280 $650 $604 $36 $180 $1,750 $146
Golf 2.5 4-Dr Hatchback $316 $650 $604 $36 $180 $1,786 $149
Golf 2.0T Turbo Diesel 2-Dr Hatchback $316 $748 $604 $36 $180 $1,884 $157
Golf 2.0T Turbo Diesel 4-Dr Hatchback $316 $650 $604 $36 $180 $1,786 $149
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in vehicle garaging location which can lower or raise rates substantially.

Physical damage deductible comparison

When buying insurance, a common question is how high should the physical damage coverage deductibles be. The premium rates below determine the rate difference of buying low and high coverage deductibles. The first data set uses a $250 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.

Volkswagen Golf insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $358 $712 $464 $28 $140 $1,727 $144
Golf 2.5 4-Dr Hatchback $406 $712 $464 $28 $140 $1,775 $148
Golf 2.0T Turbo Diesel 2-Dr Hatchback $406 $820 $464 $28 $140 $1,883 $157
Golf 2.0T Turbo Diesel 4-Dr Hatchback $406 $712 $464 $28 $140 $1,775 $148
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Volkswagen Golf insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $222 $448 $464 $28 $140 $1,302 $109
Golf 2.5 4-Dr Hatchback $250 $448 $464 $28 $140 $1,330 $111
Golf 2.0T Turbo Diesel 2-Dr Hatchback $250 $516 $464 $28 $140 $1,398 $117
Golf 2.0T Turbo Diesel 4-Dr Hatchback $250 $448 $464 $28 $140 $1,330 $111
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in specific New Orleans garaging location which can revise coverage rates significantly.

Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $37 more each month or $444 a year across all Volkswagen Golf models than buying the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 20 months between claims, you would save money if you opt for a higher deductible.

Smart Consumers Can Cut Insurance Costs

Lots of things are part of the calculation when you quote your car insurance policy. Some factors are common sense like an MVR report, but others are less obvious such as your marital status or how safe your car is. Part of the auto insurance buying process is learning some of the elements that help calculate the level of your policy premiums. If you understand what influences your rates, this helps enable you to make changes that will entitle you to much lower annual insurance costs.

Reserve auto insurance claims for larger damages – Companies in Louisiana provide most affordable rates to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Your car insurance is meant to be used in the event of more catastrophic claims.

Having a spouse can save on auto insurance – Your spouse may save some money when buying auto insurance. Marriage usually means you are more stable financially and insurance companies reward insureds because married drivers tend to have fewer serious accidents.

Safer the car lower the rate – Vehicles that have high safety ratings are cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders. If your Volkswagen has ratings of a minimum four stars on or an “acceptable” rating on it may be receiving lower rates.

Do you work long hours in a stressful job? – Occupations like military personnel, executives, and miners tend to have higher premiums than the average policyholder attributed to intense work requirements and extremely grueling work hours. Conversely, professions such as scientists, historians and homemakers receive lower rates.

Is your vehicle theft-ready? – Buying a car that has a built-in theft deterrent system can help lower your rates. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.

Battle of the sexes – Statistics demonstrate that men are more aggressive behind the wheel. The data does not necessarily mean that women are better drivers. Women and men tend to get into accidents at about the same rate, but the male of the species tend to have more serious accidents. Men also get cited for more serious violations like driving under the influence (DUI).

The information below illustrates the difference between Volkswagen Golf car insurance rates for male and female drivers. Data assumes no claims or violations, comp and collision included, $100 deductibles, drivers are single, and no discounts are taken into consideration.

Always keep your coverage in force – Having a gap between insurance policy dates is a sure-fire way to pay more for auto insurance. And not only will your rates increase, not being able to provide proof of insurance could earn you a license revocation or jail time.

Volkswagen Golf historical loss data – Insurance companies use data from past claims to calculate a price that offsets possible losses. Models that tend to have a trend towards higher claim severity or frequency will cost more for coverage. The table below illustrates the loss history for Volkswagen Golf vehicles.

For each policy coverage, the claim probability for all vehicles averaged together equals 100. Values under 100 suggest losses that are better than average, while numbers above 100 indicate higher probability of having a loss or tendency to have larger claims.

Car Insurance Loss Data for Volkswagen Golf Models
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Volkswagen Golf 109 97

Empty fields indicate not enough data collected
Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Don’t assume everyone needs the same insurance coverage

Always keep in mind that when comparing proper insurance coverage for your vehicles, there is no cookie cutter policy. Your financial needs are unique so your insurance should reflect that These are some specific questions can aid in determining whether or not you would benefit from professional advice.

If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Insurance quotes from local neighborhood New Orleans car insurance agents

A small number of people still like to sit down with an agent and that is a personal choice. One of the best bonuses of price shopping on the web is you may find better rates but also keep your business local. Buying from local agencies is especially important in New Orleans.

Insurance agents in New OrleansAfter filling out this simple form, your insurance coverage information is transmitted to companies in New Orleans who want to provide quotes for your business. There is no reason to drive around since rate quotes are delivered straight to your inbox. Get lower rates without having to waste a lot of time. If for some reason you want to quote rates from a particular provider, you would need to search and find their rate quote page and submit a quote form there.

The type of car insurance agent you choose is important

When searching for a local New Orleans insurance agent, you should know the different types of agents and how they can quote your rates. Insurance policy providers can be described as either independent or exclusive depending on the company they work for.

Independent Insurance Agents

Independent agencies are not locked into one company so they have the ability to put coverage through many different insurance companies and get the cheapest rates. If they find a lower price, an independent agent can move your coverage and the insured can keep the same agent.

If you are comparing rate quotes, you absolutely need to compare prices from a few independent agents for maximum quote selection. They often place coverage with smaller companies which may have better rates.

Featured below is a partial list of independent agencies in New Orleans who may be able to give you competitive price quotes.

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Exclusive Insurance Agencies

Exclusive agencies can usually just insure with one company and examples are Allstate and State Farm. Exclusive agents cannot provide rate quotes from other companies so you might not find the best rates. Exclusive agents are trained well on sales techniques which helps offset the inability to provide other markets. Some people will only use the same exclusive agent mostly because of the prominence of the brand and the convenience of having all coverages with one company.

Shown below is a short list of exclusive agencies in New Orleans willing to provide price quote information.

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Finding the right insurance agency should depend on more than just a cheap quote. These are some valid questions you should ask.

If you get satisfactory answers to any questions you may have and a low price estimate, chances are good that you have found an auto insurance agent that can properly service your insurance policy. Just understand that consumers can terminate your policy at any time so don’t think you are locked into your new company with no way to switch.

Three main reasons to buy insurance

Despite the high insurance cost for a Volkswagen Golf in New Orleans, insuring your vehicle is not optional due to several reasons.

First, almost all states have mandatory insurance requirements which means you are required to buy specific minimum amounts of liability insurance coverage if you want to drive legally. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a lien on your Golf, almost all lenders will force you to buy insurance to ensure they get paid if you total the vehicle. If you default on your policy, the bank may insure your Volkswagen at a more expensive rate and force you to reimburse them for it.

Third, insurance preserves both your Volkswagen and your assets. It will also provide coverage for medical bills for yourself as well as anyone injured by you. Liability coverage will also pay attorney fees in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of buying enough insurance outweigh the cost, particularly for liability claims. But the average driver in Louisiana is overpaying over $855 a year so it’s recommended you shop around every year to ensure rates are competitive.

Louisiana car insurance companies

Buying coverage from the highest-rated car insurance provider is difficult considering how many companies provide coverage in New Orleans. The company information below could help you decide which car insurance companies to look at when shopping around.

Best Car Insurance Companies in New Orleans
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Smart shoppers get results

Budget-friendly insurance in New Orleans is attainable from both online companies and with local New Orleans insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance providers do not offer rate quotes online and many times these smaller companies only sell through independent agents.

When getting New Orleans car insurance quotes online, you should never skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced full coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase a proper amount of coverage at the best price.

Throughout this article, we presented some good ideas how you can get a better price on Volkswagen Golf insurance in New Orleans. The key concept to understand is the more you quote New Orleans car insurance, the better chance you’ll have of finding inexpensive New Orleans car insurance quotes. You may even be surprised to find that the lowest priced insurance comes from a company that doesn’t do a lot of advertising. Regional companies often have lower prices on specific markets as compared to the big name companies such as State Farm, GEICO and Nationwide.

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