Want to learn how to find more affordable Volkswagen Golf insurance in Portland? Searching for cheaper Portland Volkswagen Golf insurance quotes may seem to be rather difficult for vehicle owners that are relatively new to comparison shopping over the internet. Since there are so many companies in the marketplace, how are we expected to possibly compare every possible option in order to find the best available price?
Steps to finding cheaper rates for Volkswagen Golf insurance in Portland
It takes a few minutes, but the best way to find cheaper prices for car insurance rates is to compare prices regularly from providers that sell auto insurance in Portland.
- First, try to learn a little about how companies price auto insurance and the changes you can make to keep rates low. Many rating criteria that increase rates such as careless driving and poor credit history can be controlled by paying attention to minor details.
- Second, compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like Progressive and State Farm, while agents who are independent can provide rate quotes from multiple companies. View a list of agents
- Third, compare the quotes to the premium of your current policy to see if a cheaper price is available in Portland. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.
The most important part of shopping around is to make sure you’re comparing identical deductibles and limits on each quote request and and to get prices from as many carriers as you can. Doing this provides an apples-to-apples comparison and a thorough selection of prices.
Regrettably, almost 70% of insureds have purchased from the same company for a minimum of four years, and virtually 40% of consumers have never even compared quotes to find lower-cost rates. Drivers in Portland can save almost $970 each year, but they don’t want to spend time to compare rate quotes.
If you have auto insurance now, you will surely be able to find the best rates using the techniques covered below. Comparison shopping for affordable coverage in Portland is not as time-consuming as you think. Nevertheless, Oregon consumers benefit from understanding how the larger insurance companies charge you for coverage because rates fluctuate considerably.
Just keep in mind that having more price comparisons provides better odds of finding lower pricing. Not every company allows you to get Portland Golf insurance quotes online, so it’s important to also get price estimates from the smaller companies as well.
The companies shown below can provide price quotes in Oregon. To buy the best cheap car insurance in Portland, it’s a good idea that you visit several of them in order to get a fair rate comparison.
Analysis of Volkswagen Golf rates
The coverage table below outlines different insurance coverage prices for Volkswagen Golf models. Having a better idea how auto insurance prices are determined can help customers make informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $154 | $328 | $300 | $18 | $90 | $890 | $74 |
| Golf 2.5 4-Dr Hatchback | $174 | $328 | $300 | $18 | $90 | $910 | $76 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $174 | $378 | $300 | $18 | $90 | $960 | $80 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $174 | $328 | $300 | $18 | $90 | $910 | $76 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price information does not factor in vehicle location which can alter coverage prices significantly.
Deductible analysis
One of the most common car insurance questions is where to set your physical damage deductibles. The data tables below can help you understand the difference in cost of buying low and high comp and collision deductibles. The first data set uses a $100 deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $274 | $586 | $320 | $18 | $96 | $1,319 | $110 |
| Golf 2.5 4-Dr Hatchback | $310 | $586 | $320 | $18 | $96 | $1,355 | $113 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $310 | $674 | $320 | $18 | $96 | $1,443 | $120 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $310 | $586 | $320 | $18 | $96 | $1,355 | $113 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Golf 2.5 2-Dr Hatchback | $200 | $396 | $320 | $18 | $96 | $1,030 | $86 |
| Golf 2.5 4-Dr Hatchback | $226 | $396 | $320 | $18 | $96 | $1,056 | $88 |
| Golf 2.0T Turbo Diesel 2-Dr Hatchback | $226 | $456 | $320 | $18 | $96 | $1,116 | $93 |
| Golf 2.0T Turbo Diesel 4-Dr Hatchback | $226 | $396 | $320 | $18 | $96 | $1,056 | $88 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in garaging location in Portland which can increase or decrease coverage prices substantially.
Based on these figures, using a $100 deductible will cost you approximately $25 more each month or $300 a year than choosing the higher $500 deductible. Because you would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 16 months between claims, you would probably save some money if you elect the higher deductible.
The information below demonstrates how deductible levels and can raise or lower Volkswagen Golf insurance prices for each age group. The premium estimates are based on a single female driver, full coverage, and no discounts are factored in.
Bad driving habits will cost you more
The information below shows how traffic citations and at-fault claims can impact Volkswagen Golf premium costs for different age categories. Data assumes a married female driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
Full coverage versus liability only rates
The information below visualizes the comparison of Volkswagen Golf insurance costs with full physical damage coverage compared to only buying liability only. The information is based on no claims or driving violations, $1,000 deductibles, single status, and no policy discounts are applied.
When to stop paying for full coverage
There is no definitive rule for phasing out full coverage, but there is a general convention. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s say your Volkswagen Golf book value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $4,000 after you pay the deductible. If you are paying in excess of $400 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are some situations where removing full coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage.
Three reasons to insure your vehicle
Despite the high cost of buying insurance for a Volkswagen Golf in Portland, insurance is most likely required but also gives you several important benefits.
- Most states have compulsory liability insurance requirements which means you are required to buy a specific level of liability protection in order to drive the car legally. In Oregon these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
- If your Volkswagen has a loan, most lenders will force you to carry insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may insure your Volkswagen at a more expensive rate and force you to pay the higher price.
- Insurance preserves not only your Volkswagen Golf but also your assets. It will also reimburse you for medical bills for both you and anyone you injure as the result of an accident. Liability coverage will also pay for a defense attorney if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of having insurance definitely exceed the cost, particularly if you ever have a claim. But the average American driver is wasting up to $820 a year so you should quote and compare rates at least once a year to help ensure money is not being wasted.
You Can Change Your Insurance Premiums
Multiple criteria are considered when pricing auto insurance. Most are fairly basic like your driving record, but others are not quite as obvious like your continuous coverage or your commute time. Smart consumers have a good feel for the rating factors that come into play when calculating your policy premiums. When you understand what influences your rates, this enables you to make decisions that can earn you lower car insurance prices.
How much liability – The liability coverage on your policy is the protection in the event that a jury decides you are liable for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense to attempt to prove you were not liable. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
Fast cars cost more to insure – The performance level of the vehicle you are insuring makes a substantial difference in how high your rates are. The cheapest rates will generally be found on smaller low performance passenger vehicles, but the final cost of insurance is determined by many other factors.
The chart below is based on a single female driver age 40, full coverage with $500 deductibles, and no discounts or violations. It shows Volkswagen Golf insurance premiums compared to other vehicles that have a range of risk factors.
Stay claim-free and lower premiums – If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Insurance companies in Oregon give lower rates to insureds who file claims infrequently. Auto insurance is designed for more catastrophic claims.
Fewer miles means better premiums – The higher the mileage driven annually the higher your rates will be. Most insurance companies rate vehicles based upon how you use the vehicle. Vehicles used primarily for pleasure use qualify for better rates than cars that get driven a lot. Having an incorrect usage rating on your Golf can cost quite a bit. Make sure your car insurance policy is rated on how each vehicle is driven.
Insurance loss data for Volkswagen Golf vehicles – Insurance companies use claims history to help calculate a profitable premium rate. Models that have increased losses will have a higher cost to insure. The table below outlines the actual insurance loss data for Volkswagen Golf vehicles.
For each type of coverage, the claim amount for all vehicles combined as an average equals 100. Numbers under 100 suggest a positive loss record, while percentage numbers above 100 point to more frequent losses or an increased chance of a larger loss.
| Specific Volkswagen Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Volkswagen Golf | 109 | 97 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Portland auto insurance discounts
Some insurers don’t always advertise all available discounts very clearly, so we researched some of the best known and the harder-to-find credits that you can use to lower your rates.
- Memberships – Belonging to certain professional organizations is a good way to get lower rates when shopping for auto insurance.
- Air Bags and Passive Restraints – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 25 to 30%.
- Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it can save substantially.
- Senior Discount – Mature drivers are able to get better auto insurance rates.
- Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts could cut 10% or more off the medical payments premium.
- Payment Method – By paying your entire bill at once rather than spreading payments over time you could save 5% or more.
Don’t be shocked that some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, it’s just not the way it works.
The illustration below illustrates the difference between Volkswagen Golf insurance rates with and without discounts being applied to the rates. The premium estimates are based on a male driver, no accidents, no driving violations, Oregon state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, multi-car, homeowner, safe-driver, and marriage discounts applied.
Large auto insurance companies and some of the discounts can be read below.
- Farm Bureau includes discounts for multi-vehicle, good student, youthful driver, driver training, and multi-policy.
- State Farm discounts include good driver, multiple autos, driver’s education, good student, student away at school, defensive driving training, and passive restraint.
- Progressive has discounts for good student, multi-policy, multi-vehicle, continuous coverage, online quote discount, homeowner, and online signing.
- Allstate has savings for premier discount, multi-policy, anti-lock brakes, senior citizen, farm vehicle, and eSmart discount.
- Nationwide may have discounts that include business or organization, defensive driving, family plan, accident-free, multi-policy, and anti-theft.
- MetLife offers discounts for defensive driver, claim-free, multi-policy, good student, good driver, and accident-free.
When getting free Portland auto insurance quotes, it’s a good idea to each company or agent which discounts they offer. All car insurance discounts may not apply to policyholders in Portland. For a list of insurers who offer auto insurance discounts in Oregon, follow this link.
When to contact an insurance agency
A lot of people prefer to talk to an insurance agent and there is nothing wrong with that. The biggest benefit of price shopping on the web is that drivers can save money and get cheaper prices and still have a local agent. Buying insurance from neighborhood agents is still important in Portland.
Once you complete this form (opens in new window), the coverage information is submitted to local insurance agents in Portland that can provide free Portland auto insurance quotes to get your business. It’s much easier because you don’t need to search for any insurance agencies due to the fact that quote results will go instantly to you. You can find better rates and a licensed agent to work with. If you wish to compare prices from a specific auto insurance provider, you would need to visit that company’s website and complete a quote there.
If you’re trying to find a good Portland insurance agent, you should know the types of insurance agents and how they can service your needs differently. Auto insurance agents can either be exclusive or independent.
Independent Auto Insurance Agents
These agents do not write with just one company so they can write business with an assortment of companies and possibly get better coverage at lower prices. If you want to switch companies, they simply switch companies in-house and that require little work on your part. If you are comparing auto insurance prices, we highly recommend that you include rate quotes from a few independent agents to get the best comparison. Most independent agents also contract with small mutual carriers who may have lower rates.
Below is a partial list of independent agents in Portland who may be able to give you comparison quotes.
- Fox Insurance Agency
1819 SW 5th Ave – Portland, OR 97201 – (503) 277-2300 – View Map - Vern Fonk
9955 SE Washington St #103 – Portland, OR 97216 – (971) 213-1015 – View Map - Pibal Insurance Brokers of Oregon
1314 NW Irving St – Portland, OR 97209 – (503) 287-8808 – View Map
Exclusive Agencies
Agents of this type normally can only provide a single company’s rates like Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot shop your coverage around so they have no alternatives for high prices. They receive extensive training on their company’s products which helps overcome the inability to quote other rates. Consumers sometimes purchase coverage from exclusives mostly because of the prominent brand name rather than having low rates.
The following are exclusive insurance agents in Portland willing to provide comparison quotes.
- Kilong Ung – State Farm Insurance Agent
4000 SE 82nd Ave #1400 – Portland, OR 97266 – (503) 777-6762 – View Map - Dan Lucich – State Farm Insurance Agent
1516 NE 15th Ave – Portland, OR 97232 – (503) 287-3757 – View Map - Ricky Hayter – State Farm Insurance Agent
7112 NE Sandy Blvd – Portland, OR 97213 – (503) 253-9315 – View Map
Picking the best car insurance agent should depend on more than just the premium amount. These are valid questions to ask:
- Do they prorate repair cost based on vehicle mileage?
- How long has their agency been in business in Portland?
- If you are a high risk driver, do they have special markets for your coverage?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Can you use your own choice of collision repair facility?
Upon receiving acceptable answers to any questions you have as well as a price you’re happy with, it’s a good possibility that you have found an insurance agent that can be relied on to insure your vehicles. But remember, you have the power to terminate your policy any time you want so never feel that you are obligated to any specific agency for the full policy term.
Best car insurance company in Oregon
Selecting a highly-rated auto insurance provider is hard considering how many choices drivers have in Oregon. The information below could help you choose which providers to look at purchasing a policy from.
Top 10 Portland Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Top 10 Portland Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
- Safeco
Compare. Compare. Compare.
Some companies don’t offer online quoting and usually these regional insurance providers sell through independent agencies. Cheaper Volkswagen Golf insurance in Portland is available on the web and also from your neighborhood Portland agents, and you need to comparison shop both in order to have the best price selection to choose from.
People who switch companies do it for any number of reasons including extreme rates for teen drivers, denial of a claim, delays in responding to claim requests and delays in paying claims. It doesn’t matter what your reason, finding a new company can be less work than you think.
As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where someone sacrificed liability coverage limits only to find out that it was a big error on their part. The proper strategy is to purchase plenty of coverage at the best possible price while not skimping on critical coverages.
Steps to finding affordable quotes for Volkswagen Golf insurance in Portland
The preferred way to find discount Volkswagen Golf insurance in Portland is to do an annual price comparison from different companies in Oregon.
First, read and learn about auto insurance and the changes you can make to prevent rate increases. Many risk factors that cause rate increases like inattentive driving and a less-than-favorable credit rating can be controlled by making lifestyle changes or driving safer.
Second, quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like GEICO and State Farm, while independent agencies can provide prices from multiple sources. Begin your rate comparison
Third, compare the new rate quotes to your current policy to see if cheaper Golf coverage is available in Portland. If you can save money, make sure there is no lapse between the expiration of your current policy and the new one.
One bit of advice is that you use the same physical damage deductibles and liability limits on each quote request and and to get rate quotes from as many car insurance companies as possible. This helps ensure an accurate price comparison and a complete price analysis.
Helpful learning opportunities
- Booster Seat Ratings (iihs.org)
- Who Has the Cheapest Portland Car Insurance Quotes for Drivers Under 25? (FAQ)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)