Volkswagen Golf Insurance Rates in Montgomery

Insurance for Volkswagen GolfAre you regretting the purchase of an overpriced car insurance policy? It's quite common and you are not the only one feeling buyer's remorse.

Unbelievable but true according to a study the vast majority of car insurance customers in Alabama have remained with the same car insurance company for over three years, and approximately 38% of consumers have never even compared quotes to find affordable rates. U.S. drivers could pocket $850 a year, but they don't know the amount of money they would save if they bought a different policy. There are many insurers to pick from, and although it's nice to have a choice, more choices can make it harder to compare rates and find the lowest cost car insurance.

Low-cost companies for Volkswagen Golf insurance in Alabama

The providers in the list below are our best choices to provide comparison quotes in Alabama. If multiple companies are listed, it's a good idea that you click on several of them to get the best price comparison.

Volkswagen Golf Insurance Costs in Montgomery, AL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $206 $408 $344 $20 $102 $1,080 $90
Golf 2.5 4-Dr Hatchback $252 $508 $382 $22 $114 $1,278 $107
Golf 2.0T Turbo Diesel 2-Dr Hatchback $328 $710 $338 $20 $100 $1,496 $125
Golf 2.0T Turbo Diesel 4-Dr Hatchback $282 $584 $438 $26 $132 $1,462 $122
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate quotes do not factor in vehicle garaging location which can affect premiums significantly.

Raise deductibles and save

When buying car insurance, a common question is how high should the physical damage deductibles be. The premium rates below show the price difference when you select higher and lower deductibles. The first price estimate table uses a $100 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Volkswagen Golf insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $290 $618 $338 $20 $100 $1,391 $116
Golf 2.5 4-Dr Hatchback $328 $618 $338 $20 $100 $1,429 $119
Golf 2.0T Turbo Diesel 2-Dr Hatchback $328 $710 $338 $20 $100 $1,521 $127
Golf 2.0T Turbo Diesel 4-Dr Hatchback $328 $618 $338 $20 $100 $1,429 $119
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Volkswagen Golf insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $160 $326 $338 $20 $100 $944 $79
Golf 2.5 4-Dr Hatchback $182 $326 $338 $20 $100 $966 $81
Golf 2.0T Turbo Diesel 2-Dr Hatchback $182 $374 $338 $20 $100 $1,014 $85
Golf 2.0T Turbo Diesel 4-Dr Hatchback $182 $326 $338 $20 $100 $966 $81
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Alabama minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium amounts do not factor in vehicle location which can raise or lower coverage prices noticeably.

Based on these figures, using a $100 deductible will cost in the ballpark of $38 more each month or $456 each year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 24 months between claim filings, you would most likely save money if you choose the higher deductible.

Montgomery insurance discounts

Insurance is not inexpensive, but there's a good chance there are discounts that you may not even be aware of. Some trigger automatically when you quote, but occasionally some discounts must be specifically requested prior to receiving the credit.

Discounts lower rates, but most credits do not apply the the whole policy. Most cut the cost of specific coverages such as comp or med pay. Even though it appears you could get a free insurance policy, it just doesn't work that way.

A few of the larger companies and a partial list of their discounts can be found below.

Double check with every company how you can save money. Some credits may not be available in your state. If you would like to view insurance companies with discount insurance rates in Montgomery, click here to view.

Insurance agencies are trained to help

Many drivers just want to talk to a local agent and doing that can be a smart decision Good agents can help you build your policy and give you someone to call. The biggest benefit of getting online price quotes is you may find lower car insurance rates but also keep your business local.

Insurance agents in MontgomeryTo find an agent, once you fill out this simple form, your insurance coverage information is instantly submitted to companies in Montgomery who want to provide quotes for your insurance coverage. You never need to leave your computer because prices are sent instantly to you. If for some reason you want to get a rate quote from a specific company, just search and find their rate quote page and give them your coverage information.

Choosing an insurer shouldn't rely on just a low price. Here are some questions to ask:

The difference between Montgomery car insurance agents

If you need to find a local insurance agency, there are two types of agencies and how they differ in how they can insure your vehicles. Insurance agents may be either independent or exclusive. Both properly insure your vehicles, but it's worth learning the subtle differences since it can affect which type of agent you select.

Exclusive Agencies

Agents that elect to be exclusive normally can only provide a single company's rates like American Family, State Farm, and Allstate. They are unable to provide rate quotes from other companies so it's a take it or leave it situation. Exclusive agents are usually quite knowledgeable in insurance sales which helps offset the inability to provide other markets.

The following is a list of exclusive insurance agents in Montgomery that can give you rate quotes.

Courtney Combs - State Farm Insurance Agent
4137 Carmichael Rd #120 - Montgomery, AL 36106 - (334) 271-5900 - View Map


1311 Tin Barn Ln - Montgomery, AL 36117 - (334) 279-1288 - View Map


2101 Eastern Blvd #111 - Montgomery, AL 36117 - (334) 277-6655 - View Map

More Montgomery agents

Independent Insurance Agents

Agents in the independent channel can sell policies from many different companies so they have the ability to put coverage with many different companies and help determine which has the cheapest rates. If they quote lower rates, they can switch companies in-house and you can keep the same agent. If you are trying to find cheaper rates, you will definitely want to get some free quotes from a few independent agents to have the most options to choose from.

Shown below are independent insurance agencies in Montgomery who can help you get comparison quotes.


3028 Woodley Rd - Montgomery, AL 36116 - (334) 280-0002 - View Map

Alabama Credit Collection Agency
5295 Vaughn Rd - Montgomery, AL 36116 - (334) 239-7488 - View Map


210 Commerce St - Montgomery, AL 36104 - (334) 263-5535 - View Map

More Montgomery agents

Upon receiving positive responses to any questions you may have as well as a affordable price, it's possible that you found an insurance agent that is reputable and can adequately provide insurance.

Quote more and you will save more

As you shop your coverage around, it's very important that you do not reduce coverage to reduce premium. There have been many cases where someone sacrificed liability coverage limits to discover at claim time that it was a big mistake. Your goal should be to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

Some insurance providers may not have rates over the internet and usually these smaller companies work with local independent agents. Cheaper insurance in Montgomery is attainable online in addition to local insurance agencies, and you need to comparison shop both so you have a total pricing picture.

Additional insurance information is available below: