Lower Your 1992 Volkswagen Golf Insurance Rates

Looking for lower auto insurance rates for your Volkswagen Golf? Do you think you bought an underperforming, overpriced auto insurance policy? Trust us, there are a lot of people just like you who feel imprisoned by their auto insurance policy. Since drivers have many companies to choose from, it can be diffult for people to find the most cost effective insurance company.

Compare free insurance quotes

Reducing your 1992 Volkswagen Golf insurance rates can be surprisingly simple. All you need to do is spend a few minutes on the computer getting comparison quotes to see which company has low cost auto insurance quotes. It’s really simple and can be done in just a few minutes using one of these methods.

  1. If you don’t have a lot of time, the easiest way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This quick form saves time by eliminating boring form submissions for every insurance company. A single form will get you rate comparisons from several companies.
  2. A different way to find lower rates requires a visit to each individual company website and fill out a new quote form. For instance, we’ll assume you want to view quotes from State Farm, Allstate and Progressive. To get rate quotes you would need to visit each site to enter the same coverage data repeatedly, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

  3. The hardest way to do your price quoting is physically going to insurance agencies in your area. The ability to get quotes online reduces the need to sit down with an agent unless you prefer the professional abilities that only an agent can give. You can, however, comparison shop online but still have the advice of a local agent.

It doesn’t matter which method you choose, just make darn sure you compare the exact same coverage limits for each comparison quote. If you compare different values for each quote it will be next to impossible to truly determine the lowest rate.

Drivers save money with these rate-reducing discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that you may not even be aware of. Some of these disounts will be visible at the time of purchase, but a few must be specifically requested before they will apply. If you aren’t receiving every discount you qualify for, you could be paying more than you need to.

  • Seat Belts Save – Forcing all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Lower Rates for Military – Having an actively deployed family member may qualify for rate reductions.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and qualify for as much as a 10% discount.
  • Buy New and Save – Buying a new car model can cost up to 25% less because new model year vehicles are generally safer.
  • Good Student – Being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Waiver for an Accident – Not a discount per se, but certain companies will turn a blind eye to one accident without raising rates if you have no claims prior to being involved in the accident.
  • More Vehicles More Savings – Buying insurance for all your vehicles on one policy could earn a price break for each car.
  • Include Life Insurance and Save – Larger companies have a small discount if you purchase some life insurance in addition to your auto policy.

You should keep in mind that many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. So even though it sounds like adding up those discounts means a free policy, companies wouldn’t make money that way.

Large auto insurance companies and their offered discounts are outlined below.

  • GEICO may include discounts for good student, defensive driver, seat belt use, air bags, driver training, and membership and employees.
  • MetLife offers premium reductions for claim-free, good driver, defensive driver, accident-free, multi-policy, good student
  • Progressive offers discounts for continuous coverage, multi-policy, good student, homeowner, online signing, and multi-vehicle.
  • Travelers includes discounts for good student, hybrid/electric vehicle, IntelliDrive, student away at school, driver training, home ownership, and multi-car.
  • SAFECO may offer discounts for accident prevention training, bundle discounts, anti-lock brakes, teen safety rewards, homeowner, anti-theft, and multi-car.
  • AAA has savings for multi-car, AAA membership discount, education and occupation, good driver, anti-theft, multi-policy, and good student.

Double check with all companies you are considering how many discounts you can get. Some discounts may not apply in your area.

Learn how to get insurance cheaper

Many things are taken into consideration when you get your auto insurance bill. Some are obvious such as traffic violations, but other factors are less obvious such as whether you are married or how safe your car is.

  • Can a thief steal your car? – Driving a car that has a built-in theft deterrent system can earn a premium discount. Systems that thwart theives such as OnStar, LoJack tracking, and tamper alarms can help prevent your vehicle from being stolen.
  • Too many insurance claims drive up insurance rates – Car insurance companies give lower rates to policyholders that do not abuse their auto insurance. If you file claims often, you can expect increased rates or even have your policy non-renewed. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
  • More traffic equals higher costs – Residing in less populated areas of the country has it’s advantages when it comes to insurance. People in densly populated areas have more aggressive driving styles and much longer commute distances. Less people corresponds to lower accident rates and also fewer theft and vandalism claims.
  • Premiums also based on gender – The statistics show that women are safer drivers than men. However, this does not mean females are better at driving than males. Men and women are responsible for accidents at a similar rate, but guys cause more damage. Men also statistically get more serious tickets like DWI (DUI) or reckless driving.
  • Certain vocations raise rates – Occupations such as military personnelair traffic controllers and accountants tend to have higher average rates in part from high stress and lengthy work days. On the other hand, jobs like scientists, engineers and the unemployed generally pay rates lower than average on Golf insurance.
  • Obey driving laws and save – Having a clean driving record impacts premiums far more than you think. Drivers with clean records get better prices than bad drivers. Having just one speeding ticket or other violation can boost insurance rates by twenty percent. Drivers unfortunate enough to have multiple tickets such as reckless driving or DUI may find they need to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.

Do I need special coverages?

When it comes to choosing the right insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether your personal situation could use an agent’s help.

  • Are there companies who specialize in insuring high-risk drivers?
  • Is a blown tire covered by insurance?
  • Am I insured when driving a different vehicle?
  • Can I get a multi-policy discount?
  • I have a DUI can I still get coverage?
  • What companies insure drivers after a DUI or DWI?
  • Will my rates increase for filing one claim?
  • What if I owe more than I can insure my car for?
  • Am I covered when driving in Canada or Mexico?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking 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 can provide invaluable advice.

Save $406 a year? Really?

Consumers can’t get away from all the ads for cheaper auto insurance by companies like Allstate and Progressive. All the companies say the same thing that you can save just by switching your policy.

That’s great but how can every company charge less that you’re paying now? This is the way they can do it.

Insurance providers quote their cheapest rates for the type of customer that earns them the most money. A good example of a profitable risk profile might have to be over the age of 45, has no driving citations, and the vehicle is rated for pleasure use. Any driver that fits those parameters is entitled to the best price and therefore will save money with a new company.

Potential customers who are not a match for this ideal profile will be quoted more expensive rates with the end result being business going elsewhere. The ads state “customers who switch” not “everyone that quotes” will save that much if they switch. That’s the way companies can truthfully make those claims. Because of the profiling, drivers must get a wide range of price quotes. It’s not possible to predict which company will have the best premium rates.

Detailed coverages of your auto insurance policy

Having a good grasp of your auto insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages available from auto insurance companies.

UM/UIM Coverage – This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Volkswagen Golf.

Since a lot of 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 is important protection for you and your family.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like chiropractic care, rehabilitation expenses, X-ray expenses and funeral costs. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Collision coverage – This coverage will pay to fix damage to your Golf resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a building, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to bring the cost down.

Liability insurance – This coverage can cover damage that occurs to other people or property. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for claims such as repair costs for stationary objects, structural damage, funeral expenses and legal defense fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, a broken windshield and hitting a bird. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Smart consumers save more

When shopping online for insurance coverage, make sure you don’t buy poor coverage just to save money. There are too many instances where consumers will sacrifice collision coverage and found out when filing a claim that they should have had better coverage. Your aim should be to purchase a proper amount of coverage for the lowest price and still be able to protect your assets.

We just showed you a lot of tips how to get a better price on 1992 Volkswagen Golf insurance. The key concept to understand is the more companies you get prices for, the better your chances of lowering your prices. You may be surprised to find that the lowest premium rates are with a small local company. Some small companies can often provide lower prices in certain areas compared to the large companies like State Farm, GEICO and Nationwide.

A few companies may not provide online price quotes small insurance companies only sell coverage through independent insurance agencies. Budget-friendly insurance coverage is possible from both online companies and from local insurance agents, so compare prices from both to have the best rate selection.

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