Are you tired of trying to find low-cost Volkswagen Golf insurance in Atlanta? Have you finally had enough of being strong-armed to pay auto insurance each month? You are in the same boat as many other Georgia consumers.

Insurance rates Volkswagen Golf in AtlantaA recent study showed that most auto insurance policyholders in Georgia have bought auto insurance from the same company for four years or more, and nearly half have never taken the time to shop around. The average driver in America could save almost 47% every year by just comparing rate quotes, but they just don't understand how easy it is to do a rate comparison.

Online insurance companies like Progressive, GEICO and Farmers Insurance all claim big savings, bombarding you with TV and radio ads and consumers find it hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

If you currently have auto insurance, you should be able to shop for the lowest rates using this strategy. Locating the best rates in Atlanta is quite easy if you know the best way to do it. Nevertheless, Georgia consumers must know how the larger insurance companies sell insurance online because it varies considerably.

Car insurance discounts help lower rates for Volkswagen Golf insurance in Atlanta

Auto insurance companies do not advertise their entire list of discounts in a way that's easy to find, so the list below contains both the well known and the more hidden savings tricks you should be using when you buy Atlanta auto insurance online.

As is typical with insurance, most discounts do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you can get free auto insurance, you won't be that lucky.

A list of car insurance companies and their possible discounts are shown below.

If you need inexpensive Atlanta auto insurance quotes, ask each company or agent to apply every possible discount. All car insurance discounts may not apply to policyholders everywhere.

When price shopping your coverage, obtaining a wide range of quotes will enable you to find a better price.

The companies shown below can provide free rate quotes in Atlanta, GA. If multiple providers are shown, we suggest you visit several of them to get the lowest price.

Volkswagen Golf Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $308 $662 $406 $24 $122 $1,522 $127
Golf 2.5 4-Dr Hatchback $336 $694 $476 $28 $142 $1,676 $140
Golf 2.0T Turbo Diesel 2-Dr Hatchback $218 $476 $378 $22 $114 $1,208 $101
Golf 2.0T Turbo Diesel 4-Dr Hatchback $192 $350 $406 $24 $122 $1,094 $91
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can alter insurance rates greatly.

Choosing deductibles

When shopping for auto insurance, a common question is which deductible level should you buy. The rates below can help show the premium difference between low and high deductibles. The first price estimate table uses a $250 physical damage deductible and the second price table uses a $500 deductible.

Volkswagen Golf insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $304 $604 $394 $24 $118 $1,469 $122
Golf 2.5 4-Dr Hatchback $344 $604 $394 $24 $118 $1,509 $126
Golf 2.0T Turbo Diesel 2-Dr Hatchback $344 $694 $394 $24 $118 $1,599 $133
Golf 2.0T Turbo Diesel 4-Dr Hatchback $344 $604 $394 $24 $118 $1,509 $126
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Volkswagen Golf insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $248 $486 $394 $24 $118 $1,270 $106
Golf 2.5 4-Dr Hatchback $278 $486 $394 $24 $118 $1,300 $108
Golf 2.0T Turbo Diesel 2-Dr Hatchback $278 $560 $394 $24 $118 $1,374 $115
Golf 2.0T Turbo Diesel 4-Dr Hatchback $278 $486 $394 $24 $118 $1,300 $108
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase premiums substantially.

Based on this data, using a $250 deductible costs roughly $18 more each month or $216 a year than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at least 14 months between claim filings, you would probably come out ahead if you choose the higher deductible.

Deductible comparison

The example below illustrates how your deductible choice and can impact Volkswagen Golf annual premium costs for different age groups. The premiums assume a single male driver, comp and collision included, and no discounts are taken into consideration.

Volkswagen Golf Insurance Cost Factors

Many factors are taken into consideration when you get a price on insurance. Some factors are common sense such as traffic violations, although some other factors are more obscure like your vehicle usage or your commute time. An important part of buying insurance is that you know the different types of things that help determine the level of your policy premiums. When consumers understand what controls the rates you pay, this enables you to make decisions that could help you find cheaper rates.

Vehicle features that cut prices - Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent car theft and help bring rates down.

Safer vehicles means better prices - Vehicles with high crash test scores tend to be cheaper to insure. Vehicles built for safety reduce injuries and any reduction in injury severity means lower claim amounts and thus lower rates.

Bundle policies with the same company - Many companies allow lower prices for people who consolidate policies with them in the form of a multi-policy discount. The discount can be five, ten or even twenty percent. Even though this discount sounds good, it's still a good idea to comparison shop to verify if the discount is saving money.

High physical damage deductibles cost less - Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Volkswagen. Examples of some claims that would be covered could be a broken side mirror, flood damage, and rolling your vehicle. Comp and collision deductibles tell how much the insured will be required to pay in the event of a claim. The more expense the insured has to pay upfront, the better rate you will receive.

Volkswagen Golf claim data - Insurers include the past claim trends for vehicles to help determine prices. Vehicles that have a higher amount or frequency of claims will have increased rates. The information below illustrates the compiled insurance loss statistics for Volkswagen Golf vehicles.

For each coverage category, the statistical loss for all vehicles, regardless of make or model, is a value of 100. Percentage numbers below 100 imply a favorable loss record, while numbers above 100 show a trend for more claims or an increased chance of larger losses than average.

Car Insurance Loss Data for Volkswagen Golf Models

Vehicle 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

When do I need an agent's advice?

When quoting and choosing coverage online or from an agent, there really is not a one-size-fits-all type of policy. Every situation is different.

For example, these questions might help in determining whether you could use an agent's help.

If you're not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.

Local insurance agents

Many drivers still prefer to have an agent's advice and that is a smart decision A nice benefit of comparing rate quotes online is the fact that you can find better rates and still choose a local agent. Putting coverage with small agencies is important particularly in Atlanta.

Once you complete this quick form, your information is instantly submitted to companies in Atlanta who will give competitive quotes and help you find cheaper coverage. It's much easier because you don't need to search for an agent because prices are sent straight to your inbox. You'll get the best rates AND a local agent. In the event you want to compare rates from one company in particular, just visit that company's website to submit a rate quote request.

When researching an insurance agent, it's helpful to know the types of insurance agents and how they are slightly different. Insurance policy providers can be categorized as either independent or exclusive depending on the company they work for.

Independent Agents (or Brokers)

Independent agencies often have many company appointments and that allows them to write policies with a variety of different insurance companies and find you cheaper rates. If they quote lower rates, they simply move your policy to a different company and you won't have to switch agencies. When comparing insurance rates, it's a good idea to get quotes from at a minimum one independent agency for maximum quote selection.

Shown below is a short list of independent insurance agencies in Atlanta that may be able to provide free insurance quotes.

2800 Century Pkwy NE #300 - Atlanta, GA 30345 - (404) 633-4321 - View Map

1830 Water Pl #105 - Atlanta, GA 30339 - (404) 892-2864 - View Map

Access General Agency Inc
1627 Peachtree St NE - Atlanta, GA 30309 - (404) 817-9744 - View Map

View more Atlanta agents

Exclusive Insurance Agents

Exclusive insurance agents work for only one company like Allstate, Farmers Insurance or State Farm. Exclusive agents cannot compare rates from other companies so they have to upsell other benefits. Exclusive agents are trained well in insurance sales which aids in selling service over price.

Listed below is a list of exclusive agencies in Atlanta that can give you rate quotes.

1465 Chattahoochee Ave NW #550 - Atlanta, GA 30318 - (678) 927-9977 - View Map

2900 Chamblee-Tucker Rd, Bldg 15 - Atlanta, GA 30341 - (770) 455-0017 - View Map

DeWayne Hrabowski - State Farm Insurance Agent
1120 Ralph David Abernathy Blvd SW #4 - Atlanta, GA 30310 - (404) 758-5400 - View Map

View more Atlanta agents

Choosing the best car insurance agent should include more criteria than just the price. Before buying a policy in Atlanta, get answers to these questions.

After getting answers to your satisfaction to these questions and a low price estimate, you may have just found an auto insurance agent that meets your needs to insure your vehicles. But keep in mind you can always terminate coverage when you choose so don't feel that you're stuck with a specific company for the entire policy term.

Why you need quality insurance for your vehicle

Despite the high cost of buying insurance for a Volkswagen Golf in Atlanta, insurance is most likely required but also gives you several important benefits.

The benefits of insuring your car more than cancel out the cost, particularly when you have a large claim. Unknowingly, the average driver overpays as much as $865 each year so we recommend shopping around at every renewal to be sure current rates are still competitive.

One last thing to lower rates

When shopping online for auto insurance, it's not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice collision coverage to discover at claim time that they should have had better coverage. Your aim should be to purchase a proper amount of coverage for the lowest price, but do not sacrifice coverage to save money.

Consumers switch companies for a number of reasons such as poor customer service, extreme rates for teen drivers, policy non-renewal or even lack of trust in their agent. No matter why you want to switch, switching auto insurance companies can be pretty painless.

Some auto insurance companies do not provide rate quotes online and these small insurance companies provide coverage only through independent agents. Low-cost Volkswagen Golf insurance in Atlanta can be sourced both online in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates.

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