Best Insurance for a Volkswagen Golf in El Paso

Have you fallen victim to an under-performing, overpriced auto insurance policy? Believe me when I say you’re not alone.

Statistics show that nearly 70% of drivers have purchased from the same company for four years or more, and 38% of drivers have never quoted auto insurance rates at all. With the average premium in Texas being $2,700, drivers could save 70% a year by just shopping around, but most tend to underestimate how much money they would save if they just switched companies.

With so many online and local companies to choose from, it can be impossible to choose a lower cost insurance company.

Consumers need to compare rates periodically because auto insurance prices are rarely the same from one policy term to another. If you had the best rates on Volkswagen Golf insurance in El Paso last year other companies may now be cheaper. Forget all the misinformation about auto insurance because you’re about to learn the best methods to get good coverage on Volkswagen Golf insurance in El Paso at a lower rate.

Buying the cheapest auto insurance in El Paso is not rocket science. If you are insured now, you should be able to get lower rates using the ideas covered in this article. Nevertheless, Texas car owners do need to know how insurance companies set your policy premium because it can help you find the best coverage.

When comparison shopping, there are several ways of comparing price quotes from different El Paso insurance companies. The fastest way to find the cheapest Volkswagen Golf insurance rates is to perform an online rate comparison.

It’s so easy to compare price quotes online that it replaces the need to drive around to all the different insurance agencies. Quoting and buying Volkswagen Golf insurance online has reduced the need for local agents unless you’re the type of person who wants the professional assistance that only an agent can give. Drivers can comparison shop your insurance online but have a local agent actually write the policy.

When quoting insurance, remember that obtaining a wide range of quotes provides better odds of finding a better price. Some smaller insurers do not give online rate quotes, so you need to compare rates on coverage from those companies, too.

The providers in the list below provide quotes in Texas. If multiple companies are shown, we recommend you visit several of them to get a more complete price comparison.

Rate information and statistics

The price information shown next highlights different coverage costs for Volkswagen Golf models. Being aware of how policy rates are determined can be valuable when making smart choices when choosing a car insurance company.

Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Estimates do not factor in your specific El Paso location which can lower or raise premiums greatly.

Physical damage deductibles

One of the most common auto insurance questions is how low should you set your deductibles. The tables below may aid in understanding the rate difference when you buy lower versus higher physical damage deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Estimates do not factor in specific location which can increase or decrease premium rates considerably.

Based on the data above, we can derive that using a $250 deductible costs about $31 more each month or $372 for a full year averaged for all Golf models than buying the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 24 months between claim filings, you would save more money going with the higher deductible. The numbers below show how we made this calculation.

One important caveat is that raising deductibles results in having to pay to pay more out-of-pocket when you have a comprehensive or collision claim. You should have some savings in the bank in order to pay the higher deductible in order to repair your vehicle.

It’s not one size fits all

When buying the right insurance coverage, there really is not a “best” method to buy coverage. You are unique.

Here are some questions about coverages that could help you determine whether your personal situation could use an agent’s help.

• When would I need additional glass coverage?
• What are the liability requirements in my state?
• When should I buy a commercial auto policy?
• What is an umbrella policy?
• How many claims can I have before being canceled?
• Does every company file a SR-22 automatically?
• Do I need medical payments coverage since I have good health insurance?
• Should I rate my Volkswagen Golf as pleasure use or commute?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Getting quotes from local El Paso insurance agents

Many people just prefer to sit down and talk to an agent and that is just fine! One of the benefits of comparing rate quotes online is the fact that drivers can get lower rates and still have an agent to talk to.

To make it easy to find an agent, after completing this form (opens in new window), your coverage information is instantly submitted to insurance agents in El Paso who will gladly provide quotes to get your business. It makes it easy because there is no need to do any legwork as quotes are delivered immediately to you. You can most likely find cheaper rates and a licensed agent to work with. If you want to compare rates from one company in particular, don’t hesitate to visit that company’s website and fill out their quote form.

Finding the right insurance company requires you to look at more than just a low price. These questions are important to ask:

• Can you use your own choice of collision repair facility?
• Will a damage claim use OEM or aftermarket replacement parts?
• How are they compensated?
• Are they full-time agents?
• Are they able to influence company decisions when a claim is filed?

When looking for a good insurance agency, it’s important to understand the different types of agencies and how they work. Car insurance agents in El Paso are either independent (non-exclusive) or exclusive.

Exclusive Car Insurance Agents

Agents in the exclusive channel can only provide pricing for a single company and some examples include Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot place coverage with different providers so they really need to provide good service. Exclusive agents are usually well trained in insurance sales and that enables them to sell even at higher rates.

Shown below are exclusive agencies in El Paso willing to provide rate quotes.

View more agents

Independent Car Insurance Agencies

Independent agencies do not have single company limitations and that gives them the ability to insure with many different companies and help determine which has the cheapest rates. If your agent finds better pricing, your policy is moved internally and that require little work on your part.

If you are comparing rate quotes, we recommend you contact a few independent agents to ensure the widest selection of prices.

Shown below are El Paso independent insurance agents willing to provide price quote information.

View more agents

What is the best car insurance company in El Paso?

Selecting the best car insurance provider is hard considering how many companies there are in El Paso. The company rank data in the lists below may help you select which car insurance companies you want to consider when looking for cheaper rates.

Top 10 El Paso Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Mercury Insurance – 89%
5. Nationwide – 89%
6. Travelers – 88%
7. Progressive – 88%
8. Safeco Insurance – 88%
9. State Farm – 88%
10. Allstate – 88%

Top 10 El Paso Car Insurance Companies Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance