1990 Volkswagen Golf Car Insurance Quotes – 10 Tricks for Cheapest Rates

Searching for cheaper car insurance rates for your Volkswagen Golf? I doubt anyone rejoices having to buy car insurance, in particular when the cost is too high. Since you have so many insurance companies to choose from, it can be challenging to locate the lowest cost car insurance provider.

Find discounts to get cheap insurance quotes

Companies do not list all their discounts very well, so the list below details some of the more common as well as the least known discounts that you can inquire about if you buy auto insurance online.

  • Policy Bundle Discount – When you combine your homeowners and auto insurance with one company you could save nearly 15% which can help you find cheap auto insurance.
  • Resident Student – Any of your kids who are enrolled in higher education away from home and do not have a car can receive lower rates.
  • Service Members Pay Less – Having an actively deployed family member could qualify you for better rates.
  • ABS Braking Discount – Cars and trucks with ABS and/or traction control can avoid accidents and will save you 10% or more.
  • Pay Upfront and Save – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
  • First Accident Forgiveness – but some insurance companies may permit one accident without the usual rate increase if you are claim-free before the accident.
  • Multi-Vehicle Discounts – Having all your vehicles with the same company can reduce the rates for all insured vehicles.
  • Government Employee Discount – Simply working for the federal government could qualify for a slight premium decrease for Golf insurance with some insurance companies.
  • No Accidents – Drivers who stay claim-free pay much less when compared with drivers with a long claim history.
  • Auto/Life Discount – Insurance carriers who offer life insurance give lower rates if you buy a life insurance policy as well.

Please keep in mind that some credits don’t apply to the entire cost. A few only apply to individual premiums such as collision or personal injury protection. So even though you would think it’s possible to get free car insurance, insurance companies wouldn’t stay in business. But all discounts will definitely lower the cost of your policy.

If you would like to see a list of companies with significant discounts, click here.

Tailor your auto insurance coverage to you

When buying adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions can aid in determining whether or not you would benefit from professional advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Will filing a claim cost me more?
  • What is the rate difference between pleasure use and commuting?
  • Do I have coverage when pulling a U-Haul trailer?
  • When would I need rental car insurance?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

The coverage is in the details

Learning about specific coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages offered by insurance companies.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Volkswagen Golf.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like surgery, rehabilitation expenses, prosthetic devices, ambulance fees and hospital visits. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Auto collision coverage

This pays for damage to your Golf caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sustaining damage from a pot hole, scraping a guard rail, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like vandalism, fire damage and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage

This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as repair bills for other people’s vehicles, court costs, pain and suffering, legal defense fees and bail bonds. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Final thoughts

When shopping online for car insurance, it’s not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped liability coverage limits only to discover later that it was a big mistake. The goal is to purchase a proper amount of coverage at an affordable rate.

We just covered many tips how you can compare 1990 Volkswagen Golf insurance auto insurance rates online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even discover the best price on car insurance is with some of the smallest insurance companies. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Progressive or GEICO.

To read more, feel free to browse the following helpful articles: