How Much Does 1994 Volkswagen Golf Car Insurance Cost?

Want lower insurance coverage rates? Drivers have many options when trying to find low-cost Volkswagen Golf insurance. They can either spend hours struggling with agents to compare prices or utilize the internet to get rate quotes. There are both good and bad ways to buy insurance coverage and you need to know the best way to compare rates for a Volkswagen and obtain the lowest price either online or from local insurance agents.

Choices you make can impact your insurance prices

When buying insurance coverage it’s important to understand some of the factors that help determine the rates you pay for insurance coverage. When you understand what determines base rates, this helps enable you to make changes that may result in lower premium levels. Many things are used when you get a price on insurance. Some are obvious like a motor vehicle report, although others are less obvious such as whether you are married or how safe your car is.

  • Know your vehicle’s NHTSA crash test rating – Vehicles with good safety scores can get you lower premiums. Vehicles built for safety protect occupants better and fewer serious injuries means lower claim amounts and lower rates for you.
  • Better prices for no policy lapses – Driving without insurance coverage in place is a big no-no and as a result your rates will increase for letting your coverage have a gap. Not only will you pay higher rates, failure to provide proof of insurance could result in a fine, jail time, or a revoked license.
  • Insurance coverage rates and your vocation – Did you know your occupation can influence how much you pay for insurance coverage? Careers like lawyerspolice officers and financial analysts are shown to have the highest average rates in part from high stress and lots of time spent at work. Other careers like actors, engineers and performers have the lowest average rates on Golf insurance.
  • Traffic violations mean higher prices – Having just one citation can increase rates forty percent or more. Good drivers have lower premiums than their less careful counterparts. Drivers who get severe citations like DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
  • Lower rates with alarm systems – Buying a car that has an advanced theft prevention system can get you a discount on your insurance coverage. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart vehicle theft.
  • High insurance coverage claims frequency drives up prices – If you file a lot of claims you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies generally give lower rates to people who only file infrequent claims. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
  • Raising physical damage deductibles saves money – Comprehensive and collision coverage deductibles state the amount of money you are willing to pay before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims are colliding with a stationary object, vandalism, and damage caused by road hazards. The larger the amount you have to pay, the less money you will pay for insurance coverage on Golf insurance.

The quickest way to compare insurance rates from multiple companies is to know the trick most of the larger companies participate in online systems to give free rates quotes. The only thing you need to do is give them some information like how old drivers are, how much coverage you want, whether you have decent credit, and how your vehicles are used. The data gets transmitted to many different companies and they return cost estimate immediately.

If you would like to start a quote now, click here and enter your coverage details.

Don’t be fooled by advertising claims

Drivers can’t ignore all the ads that promise big savings for switching by Allstate, GEICO and Progressive. All the companies make the point about saving some big amount if you get a free insurance quote and switch to them.

But how can every company make the same claim? This is the trick they use.

Car insurance companies provide the lowest rates for a prospective insured that will not have excessive claims. An example of a desirable insured could be between 25 and 40, owns their home, and drives a safe vehicle. Anybody who meets those qualifications gets the lowest prices and will most likely save quite a bit of money when switching.

Potential insureds who fall outside this ideal profile will have to pay a higher premium and business going elsewhere. The wording the ads use say “people that switch” but not “everyone who gets a quote” save that much when switching. That is how companies can truthfully make claims like that. This emphasizes why you should do a rate comparison at every renewal. Because you never know with any certainty which company will have the lowest rates for your situation.

Get cheap car insurance with discounts

Car insurance is easily one of your largest bills, but you might find some hidden discounts to reduce the price significantly. Certain discounts will be applied when you purchase, but some must be specially asked for before they will apply.

  • ABS and Traction Control Discounts – Cars and trucks that have steering control and anti-lock brakes are much safer to drive and therefore earn up to a 10% discount.
  • Resident Student – Any of your kids living away from home attending college and do not take a car to college can be insured at a reduced rate.
  • Full Payment Discount – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Discount for Life Insurance – Insurance companies who offer life insurance give a lower rate if you buy a life policy as well.
  • Sign Online – Many companies provide a small discount for completing your application online.
  • Driving Data Discount – Drivers that enable their car insurance company to track when and where they use their vehicle by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks as long as they are good drivers.

A quick disclaimer, most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that you could get a free car insurance policy, you won’t be that lucky. Any amount of discount will definitely reduce the premium cost.

A few of the larger companies and a summarized list of policyholder discounts are shown below.

  • 21st Century includes discounts for teen driver, early bird, defensive driver, student driver, homeowners, and automatic seat belts.
  • Progressive discounts include homeowner, continuous coverage, multi-vehicle, online signing, good student, and multi-policy.
  • State Farm offers discounts for driver’s education, defensive driving training, good student, Steer Clear safe driver discount, passive restraint, multiple policy, and student away at school.
  • Nationwide may include discounts for family plan, easy pay, anti-theft, good student, and defensive driving.
  • Esurance has savings for online quote, emergency road assistance, Switch & Save, homeowner, and good driver.
  • The Hartford may offer discounts for air bag, vehicle fuel type, good student, driver training, bundle, anti-theft, and defensive driver.

When comparing rates, check with all the companies which discounts you may be entitled to. Some of the discounts discussed earlier might not be available to policyholders in your state. For a list of insurance companies that offer discounts, click here.

Tailor your insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions might help in determining whether or not you might need an agent’s assistance.

  • Do I need replacement cost coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I rate my 1994 Volkswagen Golf as pleasure use or commute?
  • Will I lose any money if I cancel my policy before it expires?
  • When should I drop full coverage on my 1994 Volkswagen Golf?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Information about specific coverages

Knowing the specifics of your insurance policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like colliding with a tree, colliding with another moving vehicle, sideswiping another vehicle, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, falling objects, a tree branch falling on your vehicle, vandalism and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages

This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for claims like court costs, repair costs for stationary objects, funeral expenses and medical services. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as nursing services, surgery and hospital visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Quote more. Save more.

We just presented a lot of ways to compare 1994 Volkswagen Golf insurance car insurance rates online. The key concept to understand is the more you quote insurance, the higher the chance of saving money. You may even find the lowest priced insurance comes from a lesser-known regional company.

When searching for cheaper insurance quotes, it’s very important that you do not reduce needed coverages to save money. In many instances, consumers will sacrifice collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at the best possible price.

Consumers change insurance companies for a number of reasons such as policy non-renewal, poor customer service, not issuing a premium refund or even high rates after DUI convictions. It doesn’t matter what your reason, finding a new company is pretty easy and you might even save some money in the process.

Additional insurance information can be read at the links below