Save on 1996 Volkswagen Golf Car Insurance Rates

Looking for lower insurance rates for your Volkswagen Golf? Wish you could get a refund on high-priced insurance? Don’t sweat it because you’re not the only one.

Companies like GEICO, Farmers Insurance and State Farm all claim big savings with ads and consumers find it hard to see through the deception and do the work needed to find the best deal.

It’s a great practice to take a look at other company’s rates quite often because insurance prices change regularly. Even if you got the best price for Golf coverage six months ago you may be paying too much now. Block out anything you think you know about insurance because you’re about to learn one of the quickest ways to properly buy coverages while reducing your premium.

Car insurance quotes comparison

All major car insurance companies like State Farm, Allstate and GEICO give insurance quotes direct online. Getting quotes is pretty painless as you simply type in as requested by the quote form. When complete, the company’s rating system will obtain reports for credit and driving violations and returns pricing information. This makes it simple to compare prices but the work required to visit several different sites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to compare as many rates as possible in order to find lower prices.

A less time-consuming method to find better car insurance pricing uses one form that gets prices from many companies. It’s a real time-saver, requires less work, and makes rate comparisons much easier to do. Once the form is submitted, it is rated and you are able to buy your choice of the quotes that you receive. If you find a better price it’s easy to complete the application and buy the new coverage. The whole process can be completed in a matter of minutes and may result in a nice savings.

In order to find out what other companies charge, click here to open in new window and fill out the form. If you have coverage now, it’s recommended you complete the form with the coverage information exactly as they are listed on your policy. Doing this assures you will receive comparison quotes using the exact same coverages.

Insurance coverage companies offer money-saving discounts

Some providers don’t always advertise every disount available very well, so here is a list a few of the more well known and also the lesser-known savings tricks you should be using when you buy auto insurance online. If you are not receiving all the discounts you deserve, you’re paying more than you need to.

Federal Employees – Employees or retirees of the government may qualify for a discount when you quote auto insurance for Golf coverage with some insurance coverage companies.
Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in school.
Use Seat Belts – Drivers who require all vehicle occupants to buckle their seat belts can save a little off the personal injury premium cost.
Defensive Driver Discount – Taking time to complete a defensive driving course can save you 5% or more if you qualify.
Early Switch Discount – A few insurance companies offer discounts for buying a new policy prior to your current policy expiration. You could save around 10% when you buy auto insurance online.
Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts up to 30%.
Active Military Service – Being deployed with a military unit could qualify you for better premium rates.
Pay Early and Save – By making one initial payment instead of making monthly payments you could save 5% or more.
Theft Deterent – Cars with anti-theft systems can help prevent theft and can earn a small discount on your policy.
No Claim Discounts – Claim-free drivers can save substantially when compared with drivers who are more careless.

Discounts lower rates, but most credits do not apply to the entire policy premium. Most cut individual premiums such as comprehensive or collision. Despite the appearance that having all the discounts means you get insurance for free, you aren’t that lucky. Any qualifying discounts will bring down your premiums.

If you would like to choose from a list of companies that can offer you the previously mentioned discounts, click here to view.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. For example, these questions can help discover if you may require specific advice.

Am I covered when using my vehicle for business?
Are my friends covered when driving my 1996 Volkswagen Golf?
Do all my vehicles need collision coverage?
What is covered by UM/UIM coverage?
Does coverage extend to a rental car in a foreign country?
Do I pay less for low miles?
Is my teen driver covered when they drive my company car?
Is my babysitter covered when using my vehicle?
How does medical payments coverage work?
Should I file a claim if it’s only slightly more than my deductible?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

The coverage is in the details

Knowing the specifics of auto insurance aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types found on most auto insurance policies.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Volkswagen Golf.

Because many people 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.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a parking meter, hitting a mailbox, colliding with a tree, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like surgery, ambulance fees and prosthetic devices. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Liability coverage

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

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for things such as legal defense fees, attorney fees and emergency aid. How much liability should you purchase? That is up to you, but you should 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 have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hitting a deer, falling objects, vandalism and damage from a tornado or hurricane. The maximum amount a auto 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.