Want to learn how to buy cheaper Volkswagen Golf insurance in Las Vegas? Finding low cost Volkswagen Golf insurance in Las Vegas may be slightly frustrating for drivers who have little experience comparing rates online. With more and more insurers available, it can quickly become hard work to locate the lowest price in Nevada.
Unthinkable but true, nearly 70% of drivers kept their policy with the same company for over three years, and almost 40% of drivers have never quoted car insurance rates at all. Consumers in Nevada can save hundreds of dollars each year just by comparing rates, but they just don't want to shop around.
If you already have coverage, you stand a good chance to be able to find better prices using this strategy. Quoting and buying the cheapest insurance in Las Vegas is easy to do. But Nevada car owners must know how big insurance companies calculate your insurance rates because rates are impacted by many factors.
The best way to get rate comparisons for Volkswagen Golf insurance in Las Vegas is to take advantage of the fact most of the larger companies will pay a fee to provide you with a free rate quote. The only thing you need to do is provide a small amount of information like if you are currently licensed, how your vehicles are used, if a SR-22 is required, and what your job is. The rating information gets transmitted to many different companies and they respond with quotes immediately.
To compare cheap Volkswagen Golf insurance rates now, click here and find out if you can get cheaper insurance in Las Vegas.
The following companies have been selected to offer comparison quotes in Nevada. If more than one company is shown, we suggest you compare several of them in order to find the most competitive rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Golf 2.5 2-Dr Hatchback||$190||$438||$372||$22||$112||$1,134||$95|
|Golf 2.5 4-Dr Hatchback||$142||$306||$348||$20||$104||$920||$77|
|Golf 2.0T Turbo Diesel 2-Dr Hatchback||$198||$404||$318||$18||$96||$1,034||$86|
|Golf 2.0T Turbo Diesel 4-Dr Hatchback||$190||$298||$404||$24||$120||$1,036||$86|
|Get Your Own Custom Quote Go|
Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rate information does not factor in specific zip code location which can affect premiums significantly.
Careless driving habits raise auto insurance rates
The example below demonstrates how traffic citations and at-fault fender-benders can raise Volkswagen Golf annual premium costs for different age groups. The data assumes a single male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
Gender-based auto insurance premiums
The example below shows the difference between Volkswagen Golf premium costs for male and female drivers. The premiums assume no violations or claims, full coverage, $100 deductibles, drivers are not married, and no discounts are factored in.
Price comparison of only insuring for liability
The information below examines Volkswagen Golf auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no driving violations, no at-fault accidents, $250 deductibles, single female driver, and no discounts are factored in.
When to drop comprehensive and collision
There is no set rule of when to stop paying for full coverage, but there is a general convention. If the yearly cost of full coverage is about 10% or more of the vehicle's replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let's assume your Volkswagen Golf claim settlement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $3,000 after the policy deductible has been paid. If you are currently paying more than $300 a year to have full coverage, then it might be time to consider dropping full coverage.
There are some circumstances where dropping full coverage is not a good plan. If you still have a loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not buy liability only.
You are unique and your insurance should be too
When choosing the right insurance coverage for your vehicles, there really isn't a one size fits all plan. Everyone's needs are different and a cookie cutter policy won't apply. Here are some questions about coverages that might help in determining whether or not you may require specific advice.
- Which companies are cheaper for teen drivers?
- At what point should I drop full coverage?
- How much coverage applies to personal belongings?
- Do I have coverage if I rent a car in Mexico?
- How do I buy GAP insurance?
- How do I file an SR-22 for a DUI in Nevada?
If you're not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.
Exclusive versus independent insurance agents
Many drivers would rather buy from a local agent and that is a smart decision The best thing about comparing insurance prices online is you can get cheaper premium rates but also keep your business local.
After completing this form (opens in new window), your information is instantly submitted to agents in your area who will give you bids to get your business. You won't even need to leave your computer because quoted prices will be sent to you instantly. Get lower rates without having to waste a lot of time. If you want to get a rate quote from a particular provider, you just need to visit that company's website and fill out their quote form.
Choosing an company shouldn't rely on just the premium amount. The questions below may impact your decision as well.
- Is the agency covered by Errors and Omissions coverage?
- Is the agent properly licensed in Nevada?
- How long has the business existed?
- How does the company pay claims for a total loss?
- Will your rates increase after a single accident?
- How much training do they have in personal risk management?
- Are they able to influence company decisions when a claim is filed?
- Do they make recommendations based only on price?
When researching a local Las Vegas insurance agent, it can be helpful to understand the different types of agents and how they differ in how they can insure your vehicles. Agents in Las Vegas are categorized either independent agents or exclusive agents depending on their employer.
Agents that choose to be exclusive generally can only insure with one company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive insurance agents are very knowledgeable on the products they sell and that enables them to sell even at higher rates. Drivers often buy from the same agent for years mostly because of the brand and strong financial ratings.
Below is a list of exclusive insurance agencies in Las Vegas that can give you comparison quotes.
- David Habart - State Farm Insurance Agent
2035 Village Center Cir #100 - Las Vegas, NV 89134 - (702) 851-2400 - View Map
- State Farm: Gregory A Moore
4312 W Charleston Blvd - Las Vegas, NV 89102 - (702) 870-9298 - View Map
- Ron Reedom - State Farm Insurance Agent
1943 N Nellis Blvd - Las Vegas, NV 89115 - (702) 459-9546 - View Map
Independent Auto Insurance Agents
Independent agents are not required to write business for one company so they can write business through many different auto insurance companies and find you cheaper rates. If they find a lower price, your policy is moved internally which makes it simple for you. If you are comparing rate quotes, you definitely need to get some free quotes from several independent agencies to maximize your price options. A lot of them also have access to smaller regional carriers that many times have cheaper rates.
Listed below are independent insurance agents in Las Vegas that are able to give comparison quotes.
- Red Rock Insurance
1958 Village Center Cir #5 - Las Vegas, NV 89134 - (702) 733-0330 - View Map
- Las Vegas Auto Insurance
1953 N Decatur Blvd - Las Vegas, NV 89108 - (702) 570-5777 - View Map
- Superior Insurance
2511 Stewart Ave - Las Vegas, NV 89101 - (702) 721-7575 - View Map