The easiest way to get cheaper car insurance rates in Boston is to regularly compare price quotes from providers in Massachusetts. You can compare rates by completing these steps.
Step 1: It will benefit you to learn about what coverages are included in your policy and the modifications you can make to keep rates down. Many rating factors that are responsible for high rates like getting speeding tickets and an unacceptable credit history can be amended by making minor changes to your lifestyle. Read the full article for information to prevent expensive rate increases and find discounts that may have been missed.
Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like GEICO or Farmers Insurance, while independent agents can provide prices from many different companies. Compare rates now
Step 3: Compare the new rate quotes to your existing rates to see if a cheaper price is available. If you find a lower rate quote, verify that coverage does not lapse between policies.
Step 4: Provide written notification to your current company to cancel the current policy and submit a completed application and payment to the new insurer. Be sure to safely store the proof of insurance certificate in your vehicle’s glove compartment or console.
A key point to remember is to try to compare the same coverage limits and deductibles on each price quote and to quote with as many car insurance companies as possible. Doing this helps ensure an accurate price comparison and the best rate selection.
It’s an obvious statement that auto insurance companies don’t want policyholders to compare prices from other companies. Drivers who shop around will most likely move their business because there are good odds of finding a more affordable policy premium. A recent study showed that consumers who compared rates annually saved approximately $850 each year compared to people who never shopped for cheaper rates.
If finding the cheapest price for car insurance is your intention, then having a grasp of how to shop and compare coverage rates can help you be more efficient.
Getting quotes for affordable coverage in Boston is easy if you know what you’re doing. If you already have coverage or just want to reduce your rates, use these tips to reduce premiums without having to cut coverage. Shoppers just need to understand the proper methods to find the lowest price over the internet.
Affordable companies for Volkswagen Golf insurance
The companies shown below have been selected to offer price comparisons in Boston, MA. If multiple companies are listed, we suggest you visit two to three different companies to find the lowest auto insurance rates.
Insurance statistics for a Volkswagen Golf
The coverage information below showcases estimates of insurance policy prices for Volkswagen Golf models. Being aware of how car insurance premiums are determined can assist in making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $254 | $590 | $404 | $24 | $122 | $1,394 | $116 |
| Golf 2.5 4-Dr Hatchback | $286 | $590 | $404 | $24 | $122 | $1,426 | $119 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $286 | $678 | $404 | $24 | $122 | $1,514 | $126 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $286 | $590 | $404 | $24 | $122 | $1,426 | $119 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Table data does not factor in vehicle location which can decrease or increase price quotes greatly.
Rate comparison for different deductibles
When shopping for insurance, a common question is where should you set your physical damage deductibles. The tables below may help to illustrate the rate difference when you buy lower versus higher deductibles. The first rate quote example uses a $100 deductible for physical damage and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $288 | $612 | $334 | $20 | $100 | $1,379 | $115 |
| Golf 2.5 4-Dr Hatchback | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $324 | $704 | $334 | $20 | $100 | $1,507 | $126 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $210 | $414 | $334 | $20 | $100 | $1,078 | $90 |
| Golf 2.5 4-Dr Hatchback | $236 | $414 | $334 | $20 | $100 | $1,104 | $92 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $236 | $476 | $334 | $20 | $100 | $1,166 | $97 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $236 | $414 | $334 | $20 | $100 | $1,104 | $92 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Table data does not factor in specific zip code location which can decrease or increase premiums considerably.
Based on these figures, using a $100 deductible could cost the average driver approximately $26 more each month or $312 a year than requesting the higher $500 deductible. Since you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 15 months between claim filings, you would probably come out ahead if you choose a higher deductible. The table below illustrates how you can do this calculation yourself.
| Average monthly premium for $100 deductibles: | $119 |
| Average monthly premium for $500 deductibles (subtract): | – $93 |
| Monthly savings from raising deductible: | $26 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $26 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
The information below shows how choosing a deductible and can increase or decrease Volkswagen Golf annual premium costs for different categories of driver ages. The costs are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Tickets and at-fault accidents raise rates
The diagram below highlights how traffic violations and fender-benders raise Volkswagen Golf insurance prices for different insured age categories. The costs are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
Liability only or full coverage
The diagram below illustrates the comparison of Volkswagen Golf car insurance rates with full coverage and liability only. The rate quotes are based on no violations or claims, $1,000 deductibles, single status, and no discounts are taken into consideration.
Guidelines for eliminating full coverage
There is no exact rule of when to exclude physical damage coverage, but there is a general guideline. If the annual cost of coverage is more than about 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let’s assume your Volkswagen Golf settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after paying the physical damage deductible. If premiums are more than $500 annually for physical damage coverage, then you might consider buying liability only.
There are some circumstances where only buying liability is not in your best interest. If you still owe a portion of the original loan, you have to carry full 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 keep full coverage.
Learn How to Lower Your Insurance Prices
Consumers need to have an understanding of a few of the rating criteria that are used to determine the level of your policy premiums. If you have some idea of what determines premiums, this enables you to make decisions that can help you get big savings.
Single drivers take more risk – Having a spouse may cut your premiums on your insurance policy. Marriage may mean you are more stable financially and insurance companies reward insureds because married drivers tend to file fewer claims.
Low coverage deductibles cost more – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your Volkswagen. Examples of covered claims are a broken side mirror, damage caused by hail, and damage caused by flying debris. Comp and collision deductibles state the amount of money the insured will be required to pay before a claim is paid by your company. The more expense you pay before a claim is paid (deductible), the bigger discount you will receive.
Job stress can affect rates – Occupations such as military personnel, police officers, and dentists generally pay the highest rates in part from intense work situations and long work days. Other careers such as farmers, students and homemakers pay lower than average rates.
Insurance rates and vehicle performance – The make and model of the car, truck or SUV you need to insure makes a substantial difference in your premium level. The best insurance prices will normally be found when insuring small economy passenger cars, but other factors influence the final cost greatly.
The chart below assumes a married male driver age 40, full coverage with $100 deductibles, and no discounts or violations. It illustrates Volkswagen Golf policy rates compared to other vehicles that have different risk factors.
Your age impacts your costs – Older insureds are viewed as being more responsible, tend to file fewer claims, and are generally more financially stable. Teenage drivers are proven to be easily distracted when driving with friends so insurance rates are higher.
The following data assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Filing insurance claims can increase rates – Companies in Massachusetts provide most affordable rates to people who are claim-free. If you are a frequent claim filer, you can pretty much guarantee higher rates. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
Fewer miles means better rates – The more you drive your Volkswagen in a year’s time the more you will pay for insurance. The majority of insurers charge to insure your cars based on their usage. Cars and trucks left parked in the garage receive better premium rates compared to those used for work or business. Having the wrong rating on your Golf can result in significantly higher rates. It’s a good idea to make sure your policy reflects annual mileage.
Don’t buy extra coverages that may not be needed – Policies have additional coverages you can purchase on your Golf policy. Insurance for things like coverage for rental cars, high-cost glass coverage, and extra equipment coverage may be wasting your money. You may think they are a good idea when discussing your needs, but if you don’t need them consider taking them off your policy.
Volkswagen Golf insurance loss probability – Companies analyze claim trends for every vehicle to help determine the rate you pay. Vehicles that tend to have increased losses will have higher premium rates. The data below shows the collected loss data for Volkswagen Golf vehicles.
For each coverage type, the loss probability for all vehicles, as a total average, equals 100. Values that are under 100 indicate a favorable loss history, while numbers that are greater than 100 indicate more frequent losses or a tendency for claims to be larger.
| 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
Car insurance quotes and discounts
Insurance can be prohibitively expensive, but there are discounts available that you may not even know about. Some discounts apply automatically when you purchase, but less common discounts must be inquired about prior to getting the savings.
- Student Discount for Driver Training – Have your child take driver’s ed class as it will make them better drivers and lower rates.
- Discount for New Cars – Insuring a vehicle that is new can get you a discount due to better safety requirements for newer models.
- Life Insurance – Not all car insurance companies offer life insurance, but some may give you a discount if you purchase a life insurance policy as well.
- ABS Braking Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
- Save with More Vehicles Insured – Buying a policy with multiple cars or trucks with the same company may reduce the rate for each vehicle.
- Bundled Policy Discount – When you have multiple policies and insure them both with the same insurance company you will save over 10 percent off each policy depending on the company.
- Low Mileage – Fewer annual miles on your Volkswagen could earn better rates on cars that stay parked.
- Driver Safety – Taking part in a course teaching safe driver skills could save 5% or more and easily recoup the cost of the course.
- Telematics Discount – Drivers that enable driving data submission to spy on where and when they drive by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they show good driving skills.
- Resident Student – Children living away from Boston attending college and do not take a car to college could get you a discount.
We need to note that some of the credits will not apply to the entire policy premium. A few only apply to specific coverage prices like comprehensive or collision. If you do the math and it seems like all the discounts add up to a free policy, it doesn’t quite work that way.
The information below compares Volkswagen Golf annual premium costs with and without discounts applied to the rates. The information is based on a female driver, no claims, a clean driving record, Massachusetts state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, multi-policy, marriage, and homeowner discounts applied.
To view car insurance companies who offer free Volkswagen Golf insurance quotes in Boston, click this link.
Shop online but buy locally
Some consumers just want to get advice from a local agent and often times that is recommended Good insurance agents are trained risk managers and will help you if you have claims. One of the great benefits of comparing auto insurance online is you may find cheap auto insurance rates but still work with a licensed agent. Buying insurance from neighborhood agents is still important in Boston.
For easy comparison, once you complete this short form, your insurance coverage information is sent to insurance agents in Boston who will gladly provide quotes and help you find cheaper coverage. It’s much easier because you don’t need to drive around since price quotes are sent straight to your inbox. In the event you want to get a comparison quote from a specific company, feel free to visit that company’s website and fill out the quote form the provide.
Picking a provider should depend on more than just the bottom line cost. The following questions are important to ask.
- How are claims handled?
- Is auto insurance their primary focus in Boston?
- How experienced are they in personal risk management?
- Is the agent properly licensed in Massachusetts?
- Will the company cover a rental car if your car is getting fixed?
- What are the financial ratings for the companies they represent?
- Does the company allow you to choose your own collision repair facility?
- Which companies can they place coverage with?
Be persistent and save
Affordable Volkswagen Golf insurance in Boston is possible online and with local Boston insurance agents, so you need to quote Boston car insurance with both to have the best chance of lowering rates. Some insurance companies do not provide the ability to get quotes online and most of the time these regional carriers only sell through independent insurance agencies.
Throughout this article, we presented some good ideas how you can find cheap Volkswagen Golf insurance in Boston. The key thing to remember is the more providers you compare, the better likelihood of getting affordable Volkswagen Golf insurance quotes. You may even be surprised to find that the best rates are with the smaller companies. Regional companies may have significantly lower auto insurance rates on certain market segments compared to the large companies like Allstate or State Farm.
Additional car insurance information is available at the links below
- How do I File a Claim? (Insurance Information Institute)
- Who Has the Cheapest Boston Auto Insurance Rates for Drivers Over Age 60? (FAQ)
- Who Has the Cheapest Auto Insurance for a Hyundai Sonata in Boston? (FAQ)
- What Insurance is Cheapest for Safe Drivers in Boston? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a School Permit in Boston? (FAQ)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Should I Buy a New or Used Car? (Allstate)