1995 Volkswagen Golf Insurance Rates – 8 Tips to Save

When searching for lower-priced insurance, are you confused by the dozens of car insurance providers? Many other people are too. Drivers have such a vast assortment of providers available that it can be a burden to find the best premium rates.

The best way to compare policy rates is to take advantage of the fact most of the larger companies will pay a fee to compare their rates. The only thing you need to do is give the companies some data such as driver ages, whether you are single or married, if a SR-22 is required, and if the vehicle is leased. Your information is instantly submitted to insurance carriers in your area and you will get price comparisons very quickly.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage, there really is no perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that may help you determine if your situation might need an agent’s assistance.

  • Does my medical payments coverage pay my health insurance deductible?
  • Exactly who is provided coverage by my policy?
  • How much underlying liability do I need for an umbrella policy?
  • Should I get collision insurance on every vehicle?
  • What if I total my 1995 Volkswagen Golf and owe more than it’s worth?
  • Should I have combined single limit or split liability limits?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance coverages and their meanings

Having a good grasp of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills like X-ray expenses, EMT expenses, funeral costs and ambulance fees. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Volkswagen Golf.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Liability car insurance

This can cover damage that occurs to people or other property. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as medical services, medical expenses and pain and suffering. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, falling objects and vandalism. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as scraping a guard rail, hitting a parking meter, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.