Lower Your 1993 Volkswagen Golf Insurance Quotes

Paying for overpriced Volkswagen Golf insurance can eat up your personal savings and force you to cut corners elsewhere. Insurance companies such as Progressive, State Farm and GEICO all promote huge savings with ads and it is challenging if not impossible to see past the geckos and flying pigs and take the time to shop coverage around.

It’s a good habit to check insurance prices every six months since insurance prices change regularly. Just because you found the lowest rate on Golf coverage on your last policy you can probably find a better premium rate now. Ignore everything you know about insurance because you’re going to get a crash course in the only way to reduce your cost while increasing coverage.

If you have a policy now or are looking for a new policy, you can use these tips to cut your premiums while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Vehicle owners just need to know the most effective way to buy insurance over the internet.

What affects Volkswagen Golf insurance prices?

Lots of factors are part of the calculation when pricing auto insurance. Some of the criteria are obvious like your driving record, but others are more transparent such as whether you are married or how safe your car is.

  • Tickets inflate prices – Being a careful driver influences premium rates substantially. Even one moving violation can boost insurance rates by twenty percent. Attentive drivers pay less for auto insurance as compared to those with violations. Drivers who have gotten careless citations like reckless driving, hit and run or driving under the influence may find that they have to to maintain a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
  • Do you qualify for a multi-policy discount? – Lots of car insurance companies provide a discount to buyers who buy several policies from them in the form of a multi-policy discount. The discount can add up to anywhere from five to ten percent in most cases. If you currently are using one company, you still need to get quotes from other companies to make sure you are getting the best deal.There is a chance you can find lower rates by buying insurance from more than one company.
  • Mature drivers pay less – Drivers with little experience are known to be more careless when driving with friends and because of this, their car insurance rates are much higher. Older, more experienced drivers are shown to be more cautious, statistically cause fewer accidents and are safer drivers.
  • Annual miles is a factor – The more you drive annually the higher your rate. Almost all companies charge rates based upon how you use the vehicle. Autos that are left in the garage qualify for better rates than vehicles that are driven to work every day. Make sure your policy states the correct driver usage. Having an incorrect usage rating on your Golf is just wasting money.

More discounts mean lower-cost premiums

Properly insuring your vehicles can get expensive, but you might find some hidden discounts that you may not even be aware of. Many discounts should be triggered when you complete an application, but a few need to be asked for in order for you to get them.

  • Clubs and Organizations – Belonging to qualifying employment or professional organizations could earn you a nice discount on auto insurance.
  • Low Mileage Discounts – Driving fewer miles can earn discounted premium rates on garaged vehicles.
  • College Student – Children living away from home attending college and won’t have access to an insured vehicle can receive lower rates.
  • Service Members Pay Less – Being deployed with a military unit can result in better premium rates.
  • One Accident Forgiven – This isn’t a discount exactly, but companies like Liberty Mutual and GEICO may permit one accident before they charge you more for coverage if your claims history is clear for a certain period of time.
  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. Most companies allow this discount until age 25.
  • Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
  • Seat Belts Save – Requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Accident-Free Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance coverage quote in comparison to insureds who have frequent claims or accidents.

A little disclaimer on discounts, most discount credits are not given to your bottom line cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any qualifying discounts will cut the amount you pay for coverage.

The best auto insurance companies and their possible discounts are outlined below.

  • 21st Century may include discounts for automatic seat belts, good student, anti-lock brakes, defensive driver, theft prevention, 55 and older, and driver training.
  • Progressive policyholders can earn discounts including online quote discount, online signing, multi-policy, continuous coverage, multi-vehicle, and good student.
  • State Farm includes discounts for multiple policy, Drive Safe & Save, safe vehicle, driver’s education, anti-theft, multiple autos, and student away at school.
  • Nationwide offers discounts for easy pay, good student, multi-policy, accident-free, and Farm Bureau membership.
  • Esurance may offer discounts for online shopper, online quote, defensive driver, multi-car, homeowner, renters, and DriveSense.
  • The Hartford may have discounts that include air bag, vehicle fuel type, anti-theft, bundle, driver training, and defensive driver.

It’s a good idea to ask every prospective company what discounts are available to you. Some credits might not apply in your area. If you would like to see a list of insurance companies who offer cheap auto insurance quotes, follow this link.

It’s not one size fits all

When buying the right insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions can help discover if you could use an agent’s help.

  • Are my friends covered when driving my 1993 Volkswagen Golf?
  • Am I covered if I break a side mirror?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered if I wreck a rental car?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my trailer covered?
  • Am I better off with higher deductibles on my 1993 Volkswagen Golf?
  • Does coverage extend to my business vehicle?
  • How high should deductibles be on a 1993 Volkswagen Golf?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Auto insurance 101

Knowing the specifics of your insurance policy can help you determine the right coverages and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages found on most insurance policies.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, hitting a deer and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance

This coverage protects you from damages or injuries you inflict on other people or property. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as legal defense fees, loss of income and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Coverage for collisions

Collision coverage pays for damage to your Golf resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with another moving vehicle, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like funeral costs, rehabilitation expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1993 Volkswagen Golf.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are set the same as your liablity limits.

Feed the piggy bank

You just learned some good ideas how to compare 1993 Volkswagen Golf insurance premium rates online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the lowest priced auto insurance comes from some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. In many cases, someone dropped comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy a smart amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

Affordable 1993 Volkswagen Golf insurance is attainable from both online companies and from local agencies, so you need to shop insurance coverage with both so you have a total pricing picture. Some insurance providers may not provide price quotes online and usually these small, regional companies provide coverage only through local independent agencies.

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