Cheap Anchorage Volkswagen Golf Insurance

Everyone knows that car insurance companies don’t want you comparing rates. Insureds who compare price quotes are very likely to buy a new policy because they have a good chance of finding a lower-priced policy. A survey found that consumers who compared rates annually saved approximately $850 each year as compared to drivers who never compared prices.

If finding the lowest price on insurance in Anchorage is your objective, then having a grasp of how to quote and compare cheaper coverage can help you succeed in saving money.

Discount Volkswagen Golf insuranceIf you want to save the most money, the best way to find low-cost prices for auto insurance rates is to compare quotes once a year from insurers that sell auto insurance in Anchorage.

Step 1: Gain an understanding of how auto insurance works and the factors you can control to prevent expensive coverage. Many things that result in higher prices like traffic tickets, fender benders, and a lousy credit rating can be eliminated by making lifestyle changes or driving safer. Continue reading for tips to prevent high rates and get bigger discounts that may have been overlooked.

Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agencies can give you price quotes for a wide range of insurance providers. View insurance agents

Step 3: Compare the new rate quotes to your current policy to see if you can save by switching companies. If you find a better price, verify that coverage does not lapse between policies.

Step 4: Tell your current company to cancel your existing policy and submit payment along with a signed and completed policy application for your new coverage. As soon as you have the new policy, keep the new certificate of insurance in a readily accessible location in your vehicle.

One piece of advice is to use the same coverage limits and deductibles on every price quote and and to get price estimates from all possible companies. This guarantees an apples-to-apples comparison and and a good selection of different prices.

Do you qualify for discounts?

Insurance is expensive, but there are discounts available that may help make it more affordable. Some discounts will apply when you complete an application, but some discounts are required to be specifically requested before they will apply.Discount insurance

Please keep in mind that most credits do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, you’re out of luck.

The example below compares Volkswagen Golf auto insurance rates with and without discounts being applied to the rates. The data is based on a male driver, no driving violations, no at-fault accidents, Alaska 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, homeowner, multi-policy, marriage, safe-driver, and claim-free discounts applied.

Popular insurance companies and a summarized list of policyholder discounts are:

Before you buy a policy, ask all the companies how many discounts you can get. A few discounts might not be offered in Anchorage.

The most recommended method to compare car insurance company rates for Volkswagen Golf insurance in Anchorage takes advantage of the fact most insurance companies provide online access to give rate comparisons. All you need to do is provide information such as if you have a valid license, how you use your vehicles, if a SR-22 is needed, and if it has an alarm system. That information is then sent to multiple top-rated companies and you will get price comparisons very quickly.

To get price quotes for your Volkswagen Golf now, click here and enter your coverage details.

The providers in the list below can provide quotes in Anchorage, AK. If you want to find cheap car insurance in Anchorage, we suggest you visit several of them to get the lowest price.

Volkswagen Golf insurance rates and statistics

The rate information shown below covers detailed analysis of prices for Volkswagen Golf models. Learning a little about how insurance rates are determined can benefit drivers when making informed decisions when shopping around for a new policy.

Volkswagen Golf Insurance Rates in Anchorage, AK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $190 $414 $368 $22 $110 $1,104 $92
Golf 2.5 4-Dr Hatchback $214 $414 $368 $22 $110 $1,128 $94
Golf 2.0T Turbo Diesel 2-Dr Hatchback $214 $476 $368 $22 $110 $1,190 $99
Golf 2.0T Turbo Diesel 4-Dr Hatchback $214 $414 $368 $22 $110 $1,128 $94
Get Your Own Custom Quote Go

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Alaska minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium amounts do not factor in vehicle location which can modify prices noticeably.

Higher deductibles save money

When shopping for insurance, a common question is which deductible level should you buy. The following insurance rates outline the differences in premium rates when you choose different coverage deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Volkswagen Golf insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $234 $498 $272 $16 $82 $1,127 $94
Golf 2.5 4-Dr Hatchback $264 $498 $272 $16 $82 $1,157 $96
Golf 2.0T Turbo Diesel 2-Dr Hatchback $264 $574 $272 $16 $82 $1,233 $103
Golf 2.0T Turbo Diesel 4-Dr Hatchback $264 $498 $272 $16 $82 $1,157 $96
Get Your Own Custom Quote Go

Volkswagen Golf insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $170 $336 $272 $16 $82 $876 $73
Golf 2.5 4-Dr Hatchback $192 $336 $272 $16 $82 $898 $75
Golf 2.0T Turbo Diesel 2-Dr Hatchback $192 $388 $272 $16 $82 $950 $79
Golf 2.0T Turbo Diesel 4-Dr Hatchback $192 $336 $272 $16 $82 $898 $75
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Alaska minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Estimates do not factor in Anchorage location which can impact premiums noticeably.

We can estimate from the data above that using a $100 deductible costs about $21 more each month or $252 annually than buying the higher $500 deductible. Because you would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you usually have at least 19 months between claim filings, you would probably be better off if you elect the higher deductible.

The illustration below shows how different deductible levels and can raise or lower Volkswagen Golf insurance costs for different age groups. The rate quotes are based on a single female driver, full physical damage coverage, and no discounts are factored in.

Safe drivers pay cheaper rates

The illustration below demonstrates how speeding tickets and accident claims can impact Volkswagen Golf insurance rates for different age groups of insureds. The premium estimates are based on a married male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

Insurance premiums based on gender

The illustration below visualizes the comparison of Volkswagen Golf car insurance costs for male and female drivers. The premiums are based on no claims or violations, full coverage, $1,000 deductibles, drivers are not married, and no discounts are applied.

Volkswagen Golf full coverage rates compared to liability only

The illustration below visualizes the comparison of Volkswagen Golf insurance rates with full physical damage coverage and with liability coverage only. The premiums assume no driving violations, no at-fault accidents, $1,000 deductibles, marital status is single, and no other discounts are factored in.

When to drop full coverage

There is no set rule for dropping comp and collision coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s pretend your Volkswagen Golf replacement value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $3,000 after paying your deductible. If you are paying in excess of $300 a year for your policy with full coverage, then you might consider buying liability only.

There are some cases where removing full coverage is not advised. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not drop full coverage.

Do I need special coverages?

Always keep in mind that when comparing proper insurance coverage, there really is no “best” method to buy coverage. Each situation is unique.Drive safe and save

These are some specific questions can help discover if your insurance needs will benefit from professional help.

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.

Local neighborhood agents and auto insurance

A small number of people would rather get advice from a local agent and that is not a bad decision One of the benefits of comparing rate quotes online is that you can find cheap auto insurance quotes but also keep your business local.

Insurance agents in AnchorageFor easy comparison, once you complete this simple form, the quote information is instantly submitted to participating agents in Anchorage who can give free rate quotes for your coverage. It simplifies rate comparisons since you won’t have to drive around because prices are sent instantly to you. It’s the lowest rates without the usual hassles of price shopping. If you want to quote rates from one company in particular, you would need to jump over to their website to submit a rate quote request.

Finding a good company should depend on more than just a low price. These questions are important to ask:

If you are wanting to find a reliable agent, there are two types of agencies and how they operate. Auto insurance agents in Anchorage can either be exclusive or independent (non-exclusive).

Exclusive Auto Insurance Agents

Exclusive insurance agents are contracted to one company and some examples include Farmers Insurance and State Farm. They usually cannot place coverage with different providers so they have to upsell other benefits. Exclusive agents are well schooled in insurance sales and that allows them to sell at a higher price point.

The following is a list of exclusive agents in Anchorage who can help you get price quotes.

1120 Huffman Rd, Ste A21Anchorage, AK 99515(907) 333-4411View Map

1731 Bragaw StAnchorage, AK 99508(907) 333-4566View Map

550 E Tudor Rd Ste 201Anchorage, AK 99503(907) 563-9690View Map

More insurance agents

Independent Auto Insurance Agents

Agents of this type are not restricted to one company and that enables them to quote your coverage amongst many companies depending on which coverage is best. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to do anything.

When comparison shopping, we recommend you include a few independent agents for maximum quote selection.

The following are independent agents in Anchorage that are able to give price quote information.

2960 C St #200Anchorage, AK 99503(907) 562-6224View Map

6901 Debarr Road #201Anchorage, AK 99504(907) 337-2311View Map

205 E Benson BlvdAnchorage, AK 99503(907) 258-8888View Map

More insurance agents

Upon getting reasonable responses to these questions and an affordable coverage quote, chances are good that you have found a car insurance agent that is professional and can insure your vehicles. But remember, you have the power to terminate your policy any time you want so don’t assume that you’re stuck with a policy for a certain time period.

Persistence is the key to affordable rates

We just presented a lot of ways to shop for Volkswagen Golf insurance online. The key concept to understand is the more companies you get rates for, the better your comparison will be. You may even be surprised to find that the lowest prices are with an unexpected company.

Cheaper Volkswagen Golf insurance in Anchorage can be bought on the web in addition to local insurance agencies, and you need to comparison shop both to have the best selection. There are still a few companies who may not have online price quotes and many times these smaller companies prefer to sell through local independent agents.

People switch companies for many reasons like questionable increases in premium, denial of a claim, policy cancellation or not issuing a premium refund. No matter why you want to switch, switching car insurance companies can be easy and end up saving you some money.

More detailed car insurance information is available by following these links: