Cheapest 2003 Volkswagen Golf Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

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No one in their right mind enjoys paying for car insurance, especially when they are paying too much. Multiple insurers compete for your insurance dollar, so it can be very hard to choose a insurer and get the definite lowest rate

If you are insured now or are looking for a new policy, you can use these tips to find the best rates and still get good coverage. Finding the best rates is not rocket science. Vehicle owners just need to understand how to compare prices over the internet.

How to Compare Insurance Coverage Rates

Most major insurance companies such as Progressive, GEICO, Allstate and State Farm allow you to get prices on the web. Obtaining pricing doesn’t take a lot of time as you simply enter the amount of coverage you want as detailed in the form. After you submit the form their system gets reports for credit and driving violations and generates a price based on many factors. Quoting online streamlines rate comparisons, but the work required to visit each company’s website and repetitively fill out multiple forms can be a bit repetitive. But it’s absolutely necessary to have as many quotes as possible in order to find the best price possible.

A less time-consuming method to compare rates utilizes a single form to obtain quotes from many companies. The form is fast, eliminates repetitive work, and makes online price comparison much more enjoyable. After your information is entered, it gets priced and you can choose any one of the returned quotes.

If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. It only takes a few minutes and could lower your rates considerably.

To quickly find out how much you’re overpaying now, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend that you enter the insurance coverages as close as possible to your current policy. Doing this assures you will be getting a price comparison for similar insurance coverage.

Switch companies and save? Really?

Consumers can’t get away from ads that promise big savings by Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing of big savings after switching to their company.

How does each company make almost identical claims? This is how they do it.

Different companies have a certain “appetite” for the type of customer that earns them a profit. For instance, a profitable customer might be profiled as between 25 and 40, a clean driving record, and has great credit. Any driver who meets those qualifications gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who don’t qualify for this ideal profile must pay a higher premium which leads to business going elsewhere. The ad wording is “customers that switch” not “people who quote” save that much money. That’s why insurance companies can confidently make those claims.

This illustrates why you should compare many company’s rates. It is impossible to predict which auto insurance company will give you the biggest savings on Volkswagen Golf insurance.

Why your Volkswagen Golf insurance rates may be high

It’s important that you understand the rating factors that come into play when calculating your auto insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that could result in lower auto insurance prices.

The list below includes a partial list of the pieces used by your company to calculate premiums.

  • Where you reside plays a part – Being located in a small town has it’s advantages when it comes to auto insurance. Drivers who live in large cities regularly have congested traffic and longer commutes to work. Fewer people translates into fewer accidents.
  • Having a spouse can save you money – Being married can actually save you money on your policy. Having a spouse is viewed as being more mature than a single person and it’s proven that drivers who are married are more cautious.
  • Credit scores impact auto insurance rates – Credit history is a huge factor in calculating your auto insurance rates. If your credit is not that good, you could be paying less to insure your 2003 Volkswagen Golf by improving your rating. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have lower credit scores.
  • Lower deductibles cost more – Deductibles for physical damage represent how much money you are willing to pay in the event of a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims are colliding with a building, collision with an animal, and rolling your vehicle. The more expense you have to pay, the lower your rates will be on Golf insurance.
  • Careful drivers pay lower rates – Only having one citation can increase rates by twenty percent. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers with severe tickets like DWI, reckless driving or hit and run convictions are required to file a SR-22 with their state DMV in order to drive a vehicle legally.
  • Your job and insurance rates – Occupations such as doctors, social workers and accountants tend to pay higher rates than average attributed to high stress and long work hours. On the flip side, occupations such as actors, athletes and retirees have the lowest average rates on Golf insurance.

More discounts equal less premium

Car insurance can cost a lot, but you may find discounts to help offset the cost. Larger premium reductions will be automatically applied at the time you complete a quote, but a few must be manually applied before they will apply. If you don’t get every credit possible, you are paying more than you should be.

  • Discount for Life Insurance – Some companies give a discount if you purchase life insurance from them.
  • No Claims – Good drivers with no accidents can save substantially when compared with drivers who are more careless.
  • Homeowners Pay Less – Owning a home can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
  • Safety Course Discount – Taking a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Resident Student – Kids in college who are attending college and do not have a car may be able to be covered for less.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • New Car Discount – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.

Consumers should know that most credits do not apply to the entire cost. Most only apply to individual premiums such as medical payments or collision. So despite the fact that it appears you could get a free car insurance policy, it just doesn’t work that way. Any qualifying discounts will cut the cost of coverage.

Insurance companies who might offer these discounts may include but are not limited to:

It’s a good idea to ask each insurance company which discounts you may be entitled to. Discounts might not be offered in every state.

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It’s not one size fits all

When choosing proper insurance coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if your situation would benefit from professional advice.

  • Where can I find high-risk insurance?
  • Am I getting all the discounts available?
  • Do I need replacement cost coverage?
  • Will filing a claim cost me more?
  • What is an SR-22 filing?
  • Am I better off with higher deductibles on my 2003 Volkswagen Golf?
  • Should I drop comprehensive coverage on older vehicles?
  • How can I get high-risk coverage after a DUI?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

The coverage is in the details

Having a good grasp of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types offered by insurance companies.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as falling objects, damage from getting keyed, rock chips in glass, vandalism and theft. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage

Med pay and PIP coverage pay for immediate expenses for things like X-ray expenses, doctor visits, nursing services, chiropractic care and EMT expenses. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible


Liability insurance provides protection from damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like bail bonds, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as backing into a parked car, crashing into a building, colliding with a tree, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Money doesn’t grow on trees

We just covered many ideas to reduce 2003 Volkswagen Golf insurance prices online. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. You may even find the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising. Some small companies may have significantly lower rates on certain market segments compared to the large companies like Allstate or State Farm.

Cheap insurance is available on the web as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

For more information, feel free to browse the resources below:

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I compare insurance coverage rates?

Most major insurance companies allow you to get prices online by entering the amount of coverage you want in a form. The system generates a price based on various factors. Alternatively, you can use a single form to obtain quotes from multiple companies, which streamlines the rate comparison process.

Can I really save money by switching insurance companies?

Different insurance companies have different preferences for the type of customers they want to insure. Customers who meet certain criteria, such as having a clean driving record and good credit, may qualify for lower rates and could save money by switching companies. It’s important to compare rates from multiple companies to find the best savings.

Why are my Volkswagen Golf insurance rates high?

Several factors can influence your auto insurance rates. It’s essential to understand the rating factors used by insurance companies, such as your driving record, credit history, and the coverage options you choose. By understanding these factors, you can make informed decisions that may result in lower insurance prices.

Are there any discounts available to reduce my premium?

Yes, many insurance companies offer discounts that can help offset the cost of car insurance. These discounts vary by company but may include safe driver discounts, multi-policy discounts, and discounts for certain safety features on your vehicle. It’s recommended to ask each insurance company about the discounts you may be eligible for.

How can I find the best insurance coverage for my needs?

Choosing the right insurance coverage depends on your individual situation. There is no one-size-fits-all policy. It’s advisable to consider factors such as your driving habits, budget, and personal preferences when selecting coverage options. If you’re unsure, it may be helpful to consult with an insurance agent who can provide professional advice.

What are some common coverage types offered by insurance companies?

Some common coverage types include:

  • Uninsured or underinsured coverage: Protects you and your vehicle if the other driver is uninsured or lacks sufficient coverage.
  • Comprehensive protection: Covers damage to your vehicle from events other than collision, such as theft, vandalism, or natural disasters.
  • Medical expense coverage: Pays for immediate medical expenses resulting from an accident.
  • Liability: Provides protection from damage caused to others and their property in an accident.
  • Collision protection: Covers damage to your vehicle resulting from a collision with another vehicle or object.

How can I reduce my insurance prices?

To reduce insurance prices, it’s advisable to compare quotes from multiple companies, take advantage of available discounts, and consider adjusting your coverage options or deductibles. It’s also worth exploring smaller insurance companies that may offer competitive rates.

Where can I find more information about auto insurance?

You can find more information about auto insurance on our website, where we strive to be an objective, third-party resource for all things related to auto insurance. Additionally, you can use our free quote tool to compare rates from top companies and find the best coverage for your needs.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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