Another factor to consider is the state you live in. This will affect your auto insurance rates as well more so than the type of Volkswagen you drive. For example, North Dakota ($554), Iowa ($555), South Dakota ($565), Idaho ($583), and Kansas ($590) currently have the lowest average rates. New Jersey ($1,184), New York ($1,122), Massachusetts ($1,113), Louisiana ($1,076), and Florida ($1,063) currently have the highest. It is important to note that the national average for auto insurance is around $829/year. Please keep in mind that this is for bare minimum auto insurance coverage, which is never really enough to provide ample protection.
So, the answer to Is Volkswagen car insurance expensive or cheap? is, it depends. The cost to insure a 2009 Volkswagen Beetle Hatchback (price $19,390) on average is around $930 for the first year of ownership and the rate decreases at a steady pace over the next four years, all the way down to $898. Starting at $22,270, the more expensive 2009 Volkswagen Jetta TDI costs around $1,068 to insure during the first year of ownership and $1,024 by the 5th year. Auto insurance companies view some Volkswagen models as safer than others. The four-door Volkswagen Rabbit just received the Top Safety Pick award by the Insurance Institute for Highway Safety (IIHS), so this will affect base auto insurance rates for the vehicle. The first year average rate for the Rabbit is $945 and the 5th is $909.
Compared to the national average, although well above average in style, safety, and fuel-efficiency, Volkswagen car insurance is closer to national average than most other trendy models. Some Volkswagen owners may view the national average as expensive while others may feel that it is affordable. If you think the national average is on the expensive side, there are ways to save on your own individual Volkswagen car insurance. You can:
* Opt for a higher deductible
* Purchase a basic Volkswagen or one that has received accolades for safety
* Ask about low mileage discounts
* Combine your home, life, and auto insurance policies
* Successfully complete a defensive driver course
* Ask about safe driver discounts
* Maintain a good credit rating
* Shop and compare
* Ask about other discounts (retirement, military and veteran, loyalty discounts, association discounts, group discounts, and good student discounts)
To start shopping for Volkswagen car insurance, start with national auto insurance companies. You can shop and compare rates online quickly or you contact an auto insurance sales representative directly.
Michelle Burton is a published author and contributing editor for Auto Insurance Tips, Trouvé Media, Internet Brands, and Publications International, Ltd.