Insurance for Volkswagen GolfWant to learn the secrets to finding low-cost Volkswagen Golf insurance in Denver? Trying to come up with a payment for high-priced auto insurance can draw down your checking account and force you to cut corners elsewhere. Doing a rate comparison can lower your rates and help to cut your insurance bill.

Unfortunately, a large majority of drivers kept buying from the same company for more than four years, and roughly 40% of drivers have never even compared quotes to find affordable rates. Consumers in Colorado could cut their rates by up to 35% a year just by comparing rates, but they underestimate the amount of money they would save if they changed companies. Because you have many choices of insurance companies that have lower-cost insurance for a Volkswagen Golf in Denver, it can be impossible to pick the best company.

These tips will teach you how insurance works and also pocket some savings If you have a current insurance policy, you stand a good chance to be able to lower your rates using the techniques covered below. Drivers just need to understand the proper methods to compare company rates using one simple form.

Best companies for Volkswagen Golf insurance

The companies in the list below can provide free rate quotes in Denver, CO. If multiple companies are listed, we recommend you click on several of them in order to get a fair rate comparison.

Volkswagen Golf Insurance Costs in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $244 $534 $474 $28 $142 $1,422 $119
Golf 2.5 4-Dr Hatchback $328 $726 $456 $28 $136 $1,674 $140
Golf 2.0T Turbo Diesel 2-Dr Hatchback $264 $608 $368 $22 $110 $1,372 $114
Golf 2.0T Turbo Diesel 4-Dr Hatchback $172 $312 $362 $22 $108 $976 $81
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Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Prices do not factor in vehicle garaging location which can affect insurance rates considerably.

Can higher deductibles save money?

One of the hardest decisions when shopping for auto insurance is how high should the physical damage deductibles be. The comparison tables below determine the differences in price between low and high coverage deductibles. The first set of rates uses a $100 deductible and the second price grid uses a $500 deductible.

Volkswagen Golf insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $302 $644 $352 $20 $106 $1,449 $121
Golf 2.5 4-Dr Hatchback $342 $644 $352 $20 $106 $1,489 $124
Golf 2.0T Turbo Diesel 2-Dr Hatchback $342 $740 $352 $20 $106 $1,585 $132
Golf 2.0T Turbo Diesel 4-Dr Hatchback $342 $644 $352 $20 $106 $1,489 $124
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Volkswagen Golf insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Golf 2.5 2-Dr Hatchback $220 $434 $352 $20 $106 $1,132 $94
Golf 2.5 4-Dr Hatchback $250 $434 $352 $20 $106 $1,162 $97
Golf 2.0T Turbo Diesel 2-Dr Hatchback $250 $500 $352 $20 $106 $1,228 $102
Golf 2.0T Turbo Diesel 4-Dr Hatchback $250 $434 $352 $20 $106 $1,162 $97
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in vehicle garaging location which can raise or lower coverage prices substantially.

Based on the data above, we can derive that using a $100 deductible costs about $27 more each month or $324 for a full year than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you go at least 15 months between claims, you would more than likely save some money if you elect the higher deductible.

Discounts mean cheaper rates for Volkswagen Golf insurance in Denver

Some insurance providers don't list every available discount very well, so we break down a few of the more well known and the harder-to-find discounts you could be receiving when you buy Denver auto insurance online. If you aren't receiving every discount possible, you are throwing money away.Save money with discounts

A quick disclaimer, some credits don't apply to the entire policy premium. Most cut individual premiums such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will definitely reduce your overall bill.

To view providers with the best discounts in Colorado, click here to view.

Four factors that determine insurance prices

Lots of factors are taken into consideration when premium rates are determined. Some are obvious like a motor vehicle report, but others are less obvious like where you live or how financially stable you are. When buying car insurance it's important to understand the different types of things that play a part in calculating your policy premiums. When you know what positively or negatively controls the rates you pay, this empowers consumers to make smart changes that will entitle you to lower premium levels.

Your car insurance coverage should be tailored to you

When it comes to choosing adequate coverage for your vehicles, there really is not a "best" method to buy coverage. Every situation is different.Safe vehicles cost less to insure

Here are some questions about coverages that could help you determine if you might need professional guidance.

If it's difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, doesn't cost anything and may give you better protection.

Buying from car insurance agents

A lot of people still like to buy from a local agent. Insurance agents can make sure you are properly covered and help in the event of a claim. The best thing about comparing rate quotes online is you may find better rates and still buy from a local agent. And supporting local agents is especially important in Denver.

Insurance agency in DenverOnce you complete this form (opens in new window), the quote information is instantly submitted to insurance agents in Denver who will gladly provide quotes for your business. You won't even need to leave your house since rate quotes are delivered to you instantly. If for some reason you want to quote rates from one company in particular, you just need to jump over to their website and give them your coverage information.

When researching a local Denver insurance agent, there are a couple of different agency structures and how they are slightly different. Agencies in Denver are classified as either exclusive or independent agents depending on their company appointments. Both can insure your vehicles properly, but it's a good idea to understand how they differ since it can affect your selection of an agent.

Independent Insurance Agents

Agents that elect to be independent are not required to write business for one company and that enables them to quote your coverage with multiple insurance companies and get you the best rates possible. To transfer your coverage to a different company, they can switch companies in-house and you won't have to switch agencies.

When comparing rates, you will definitely want to contact multiple independent agents to have the most options to choose from.

Featured below are Denver independent insurance agents that may be able to provide comparison quotes.

Gonzalez Insurance Agency
6450 E Colfax Ave - Denver, CO 80220 - (303) 320-4901 - View Map


4704 Harlan St #360 - Denver, CO 80212 - (303) 237-5445 - View Map


44 Cook St #100 - Denver, CO 80206 - (303) 650-0060 - View Map

More Denver agents

Exclusive Insurance Agents

Agents of this type can only write with one company and some examples include Farmers Insurance and State Farm. They are unable to provide other company's prices so they really need to provide good service. Exclusive agents are very knowledgeable on the products they sell which helps them compete with independent agents.

The following is a short list of exclusive insurance agents in Denver who can help you get comparison quotes.


I-25 - Denver, CO 80231 - (303) 752-2900 - View Map


671 E 19th Ave - Denver, CO 80203 - (303) 744-0757 - View Map

Bao Ngoc Nguyen - State Farm Insurance Agent
1699 S Federal Blvd b - Denver, CO 80219 - (303) 975-1100 - View Map

More Denver agents

Finding a good insurance agent should depend on more than just the premium amount. The questions below may impact your decision as well.

Find cheaper insurance prices by comparing often

Cheap Volkswagen Golf insurance in Denver can be found from both online companies as well as from insurance agents, so you need to shop Denver auto insurance with both to have the best rate selection. Some companies may not offer rates over the internet and usually these smaller companies only sell coverage through independent insurance agencies.

As you shop your coverage around, it's very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped liability coverage limits and found out when filing a claim that it was a big error on their part. Your objective should be to get the best coverage possible for the lowest price and still be able to protect your assets.

Insureds who switch companies do it for many reasons like unfair underwriting practices, questionable increases in premium, high prices or even policy cancellation. Whatever your reason, finding the right insurance provider can be easy and end up saving you some money.

Much more information about insurance in Colorado can be read at these links: