The best way to get discount Volkswagen Golf insurance in Oklahoma City is to compare prices once a year from providers who can sell car insurance in Oklahoma. You can compare rates by following these steps.
First, spend some time learning about how auto insurance works and the things you can control to prevent expensive coverage. Many policy risk factors that are responsible for high rates such as inattentive driving and a low credit score can be improved by making minor driving habit or lifestyle changes. This article gives more details to help find cheaper rates and find overlooked discounts.
Second, quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agencies can provide prices for a wide range of companies. View a list of agents
Third, compare the new quotes to your current policy to see if switching to a new carrier will save money. If you can save money and change companies, make sure coverage is continuous and does not lapse.
Fourth, give notification to your current company to cancel your current policy. Submit a completed application and payment to the new company. As soon as you have the new policy, keep your new proof of insurance certificate in an easily accessible location in your vehicle.
The most important part of shopping around is to try to compare the same coverage limits and deductibles on each quote request and and to get quotes from every company you can. Doing this helps ensure an accurate price comparison and a complete rate analysis.
It’s an obvious statement that auto insurance companies don’t want you to look for a cheaper policy. Insureds who shop around for cheaper rates will probably switch companies because there is a good chance of finding good coverage at a lower price. A survey found that drivers who make a habit of shopping around saved an average of $72 a month as compared to drivers who don’t make a habit of comparing rates.
If finding the lowest price on auto insurance in Oklahoma City is your target objective, then learning a little about the best way to quote and compare cheaper coverage can make it easier to shop your coverage around.
Learn How to Get Car Insurance at a Discount
An important part of buying insurance is that you know a few of the rating criteria that go into determining your premiums. When consumers understand what determines base rates, this allows you to make good choices that may reward you with better car insurance rates. Multiple criteria are taken into consideration when quoting car insurance. Some of the criteria are obvious such as your driving history, but other criteria are more transparent such as your marital status or your financial responsibility.
The itemized list below are some of the most common factors utilized by car insurance companies to help set your rates.
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Premiums increase with driving tickets – Attentive drivers receive lower rates than people who have multiple driving citations. Having just one citation can increase the cost of insurance substantially. Drivers who have careless tickets such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
The information below illustrates how violations and accidents can drive up Volkswagen Golf annual premium costs for different age groups. The premiums assume a married male driver, comp and collision included, $250 deductibles, and no policy discounts are applied.
- More people means more accidents – Being located in small towns and rural areas has definite advantages if you are looking for the lowest rates. Urban drivers tend to have traffic congestion and more severe claims. Less people corresponds to lower accident rates as well as less vandalism and auto theft.
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Men are more aggressive – Over the last 30 years, statistics show women are more cautious behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Both genders have auto accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also tend to get ticketed for serious violations like driving under the influence (DUI).
The information below illustrates the difference between Volkswagen Golf insurance costs for male and female drivers. The information is based on a clean driving record, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.
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Affects performance affects auto insurance costs – The performance level of the car you own makes a huge difference in your car insurance bill. The cheapest rates will normally be found when insuring lower performance four cylinder passenger vehicles, but many other things help determine your insurance rates.
The data below uses these assumptions: single female driver age 30, full coverage with $100 deductibles, and no discounts or violations. The data compares Volkswagen Golf insurance premiums compared to other models of vehicles that have a range of performance risks.
- Avoid car insurance lapses – Letting your insurance expire will be a quick way to increase your rates. And not only will your rates increase, being ticketed for driving with no insurance can result in a fine, jail time, or a revoked license.
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Volkswagen Golf historical loss data – Insurance companies include the past claim history for a vehicle when they calculate premium costs for each model. Vehicles that tend to have a trend towards higher claim severity or frequency will have a higher cost to insure. The data below shows the actual insurance loss data for Volkswagen Golf vehicles.
For each type of coverage, the claim amount for all vehicles, regardless of make or model, is set at 100. Values that are under 100 suggest a positive loss record, while percentages above 100 point to more frequent losses or an increased probability of a larger loss.
Volkswagen Golf Insurance Loss Statistics Make and 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
Buy Oklahoma City Volkswagen Golf insurance online
It’s important to know that comparing more prices helps improve the odds of finding the best offered rates. Some companies don’t provide price estimates online, so it’s necessary to compare quotes from them, too.
The providers in the list below have been selected to offer price quotes in Oklahoma City, OK. If more than one company is shown, we recommend you visit as many as you can in order to get a fair rate comparison.
Volkswagen Golf insurance charts and tables
The table displayed below outlines detailed analysis of rate quotes for Volkswagen Golf models. Having knowledge of how car insurance prices are established can help guide drivers when making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $384 | $846 | $606 | $36 | $182 | $2,054 | $171 |
| Golf 2.5 4-Dr Hatchback | $434 | $846 | $606 | $36 | $182 | $2,104 | $175 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $434 | $974 | $606 | $36 | $182 | $2,232 | $186 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $434 | $846 | $606 | $36 | $182 | $2,104 | $175 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Prices do not factor in specific garaging location which can decrease or increase coverage prices greatly.
Comparison of full coverage and liability-only policies
The information below illustrates the comparison of Volkswagen Golf premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Oklahoma. The information is based on no claims or driving citations, $100 deductibles, marital status is single, and no additional discounts are factored in.
Are you wasting money paying for full coverage?
There is no exact rule to stop buying comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let’s say your Volkswagen Golf settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after you pay the deductible. If you are paying over $300 annually to have full coverage, then you might consider buying liability only.
There are a few cases where removing full coverage is not a good plan. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not remove full coverage.
Three reasons to insure your Volkswagen Golf
Even though it’s not necessarily cheap to insure a Volkswagen in Oklahoma City, insuring your vehicle is required in Oklahoma but also provides important benefits.
First, the majority of states have compulsory liability insurance requirements which means you are required to carry a specific level of liability if you want to drive legally. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your Volkswagen Golf, almost all lenders will make it a condition of the loan that you buy insurance to protect their interest in the vehicle. If you default on your policy, the bank may insure your Volkswagen at a much higher rate and force you to pay much more than you were paying before.
Third, car insurance protects both your Volkswagen and your assets. It will also reimburse you for medical bills for yourself as well as anyone injured by you. Liability coverage, the one required by state law, will also pay attorney fees if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will pay to restore your vehicle to like-new condition.
The benefits of buying car insurance definitely exceed the price paid, particularly when you have a large claim. But the average American driver overpays as much as $869 every year so compare quotes from several companies at least once a year to make sure the price is not too high.
Insurance discounts help lower rates for Volkswagen Golf insurance in Oklahoma City
Insurance is easily one of your largest bills, but discounts can save money and there are some available that many people don’t even know exist. Certain reductions will be credited at the time you complete a quote, but some must be manually applied before they will apply.
- Service Members Pay Less – Being on active deployment in the military may lower your premium rates slightly.
- Online Discount – Many companies provide a small discount for signing up on your computer.
- Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the medical payments premium.
- Claim Free – Oklahoma City drivers who stay claim-free can earn big discounts as opposed to policyholders that have many claims.
- Include Life Insurance and Save – Larger insurance carriers have a discount if you purchase auto and life insurance together.
- Theft Prevention System – Cars with anti-theft systems help deter theft and can earn a small discount on your policy.
- More Vehicles More Savings – Buying insurance for multiple vehicles on one policy qualifies for this discount.
It’s important to understand that most discount credits are not given to the overall cost of the policy. Most cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any qualifying discounts will definitely reduce your insurance premiums.
The information below illustrates the difference between Volkswagen Golf insurance premiums with and without discounts applied to the policy premium. The costs are based on a male driver, a clean driving record, no claims, Oklahoma state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, marriage, homeowner, multi-policy, and claim-free discounts applied.
If you would like to view insurers that provide some of the discounts listed above in Oklahoma City, click here to view.
When to have guidance from an agent
Some people prefer to sit down with an agent and that can be a great decision A nice benefit of comparing rate quotes online is you can get cheaper prices but still work with a licensed agent.
To find an agent, once you fill out this short form, your information is transmitted to insurance agents in Oklahoma City who will give competitive quotes to get your business. There is no need to find an agent on your own due to the fact that quote results will go to you. It’s the lowest rates and a licensed agent to work with. If for some reason you want to get a rate quote from a particular provider, feel free to find their quoting web page and give them your coverage information.
Finding the right insurer needs to be determined by more than just the bottom line cost. Here are some questions you should ask.
- Can glass repairs be made at your home?
- Can they give you a list of client referrals?
- What company holds the largest book of business for them?
- Is coverage determined by price?
- How much training do they have in personal risk management?
- Is there a local claims center in Oklahoma City?
Best car insurance in Oklahoma
Picking a highly-rated company can be challenging considering how many choices you have in Oklahoma. The information displayed below may help you choose which car insurance providers you want to consider when comparing rate quotes.
Top 10 Oklahoma City Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
In conclusion
The cheapest Volkswagen Golf insurance in Oklahoma City is definitely available on the web and with local Oklahoma City insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers may not offer online price quotes and most of the time these smaller companies sell through local independent agents.
You just read a lot of tips how to lower your Volkswagen Golf insurance rates in Oklahoma City. The key concept to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the best rates are with a small mutual company. Regional companies may often insure only within specific states and give better rates than the large multi-state companies such as State Farm and Allstate.
While you’re price shopping online, never skimp on critical coverages to save a buck or two. In many cases, an insured cut physical damage coverage only to regret that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at the lowest possible cost but still have enough coverage for asset protection.
More information
- Prom Night Tips for Teen Drivers (State Farm)
- How Much is Car Insurance After a Speeding Ticket in Oklahoma City? (FAQ)
- Who Has Cheap Car Insurance for High Mileage Drivers in Oklahoma City? (FAQ)
- Who Has Cheap Car Insurance Quotes for Low Income Drivers in Oklahoma City? (FAQ)
- Who Has Cheap Oklahoma City Car Insurance Quotes for Used Cars? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Unemployed Drivers in Oklahoma City? (FAQ)
- Preventing Carjacking and Theft (Insurance Information Institute)
- Airbag FAQ (iihs.org)
- Uninsured Motorist Statistics (Insurance Information Institute)