How Much Does 1997 Volkswagen Golf Insurance Cost?

Did you fall for a flashy sales pitch and buy overpriced insurance coverage? You’re in good company because there are lots of people in the same boat. With people having so many insurance providers from which to choose, it is hard for the average consumer to find the most cost effective insurance company.

Smart consumers take time to price shop coverage periodically because prices fluctuate regularly. If you had the best deal for Golf insurance a few years ago the chances are good that you can find a lower rate today. You can search a lot of insurance coverage on the internet, but in this article, you’re going to get some guaranteed methods to lower your insurance coverage premiums.

Get cheap auto insurance with discounts

Car insurance can cost a lot, but you may find discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but occassionally some discounts must be requested specifically before you get the savings. If you do not check that you are getting every discount you qualify for, it’s possible you qualify for a lower rate.

  • Waiver for an Accident – This one is not really a discount per se, but some insurance companies may permit one accident without the usual rate increase if you have no claims prior to the accident.
  • Passive Restraints and Air Bags – Factory options such as air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
  • Active Military Service – Having an actively deployed family member may qualify for rate reductions.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper because new model year vehicles are generally safer.
  • Pay Upfront and Save – If you pay your bill all at once as opposed to paying monthly you can avoid the installment charge.
  • Discounts for Responsible Drivers – Accident-free drivers can pay as much as 50% less for Golf insurance than drivers with accident claims.
  • Save with More Vehicles Insured – Purchasing coverage when you have all your vehicles on one policy can reduce rates for all insured vehicles.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and the ABS can save up to 10%.
  • Low Miles Discount – Low annual miles could earn lower auto insurancerates due to less chance of an accident.

Just know that many deductions do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears it’s possible to get free car insurance, it doesn’t quite work that way.

A list of auto insurance companies and some of the premium reductions they offer are included below.

  • State Farm may offer discounts for driver’s education, safe vehicle, anti-theft, Drive Safe & Save, Steer Clear safe driver discount, good student, and student away at school.
  • Progressive discounts include online quote discount, homeowner, multi-policy, online signing, multi-vehicle, continuous coverage, and good student.
  • Progressive may have discounts that include multi-policy, multi-vehicle, online signing, online quote discount, and homeowner.
  • MetLife includes discounts for good driver, defensive driver, good student, multi-policy, claim-free, accident-free
  • Farm Bureau has discounts for renewal discount, youthful driver, driver training, good student, and 55 and retired.
  • GEICO policyholders can earn discounts including driver training, emergency military deployment, daytime running lights, seat belt use, anti-lock brakes, and anti-theft.
  • SAFECO offers discounts for multi-car, accident prevention training, homeowner, teen safe driver, teen safety rewards, bundle discounts, and drive less.

If you are trying to find the cheapest auto insurance quotes, ask every company to give you their best rates. Savings may not apply to policyholders in your area. For a list of insurers that offer many of these discounts, click this link.

How much is auto insurance?

There are a lot of ways you can shop for auto insurance and some are easier and takes less work. You can spend countless hours talking about coverages with insurance companies in your area, or you could use the web to get rates in a matter of minutes.

Many companies belong to an insurance system that enables customers to complete one form, and at least one company can provide price quotes based on the submitted data. This eliminates the need for quotation requests for every auto insurance company.

To participate in this free quote system, click here to open in new window.

The one downside to using this type of system is you don’t know exactly which carriers you want pricing from. If you wish to select specific providers to receive pricing from, we have a page of companies who write auto insurance in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make sure you use apples-to-apples coverage information for each price quote. If you enter differing limits then you won’t be able to get a fair rate comparison.

Why you might pay increased rates

Lots of factors are used when pricing auto insurance. Some of the criteria are obvious such as traffic violations, but other factors are more transparent like your continuous coverage or how safe your car is.A large part of saving on auto insurance is knowing the factors that are used to determine auto insurance rates. If you know what determines premiums, this allows you to make good choices that may reward you with lower rates.

  • How much liability coverage – The liability coverage on your policy provides coverage if you are found liable for damages from an accident. It will provide legal defense coverage to attempt to prove you were not liable. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
  • Premiums are affected by your credit rating – An insured’s credit score can be a huge factor in determining your rates. People that have very good credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit scores. Therefore, if your credit rating leaves room for improvement, you could pay less to insure your 1997 Volkswagen Golf by improving your rating.
  • Pay more out-of-pocket – Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your Volkswagen. Some instances where coverage would apply are a broken side mirror, hail damage, and rolling your vehicle. Your deductibles define the amount the insured will be required to pay if a claim is determined to be covered. The higher the amount you pay before a claim is paid (deductible), the lower your rates will be for Golf insurance.
  • Urban areas may pay more – Choosing to live in less populated areas of the country may provide you with better prices if you are looking for the lowest rates. City drivers regularly have more aggressive driving styles and much longer commute distances. Fewer drivers on the road means less chance of accidents and a lower car theft rate.
  • Females tend to take less risk – Over the last 50 years, statistics have shown women are more cautious behind the wheel. It does not mean men are WORSE drivers than women. Females and males cause at-fault accidents at about the same rate, but males tend to have higher claims. Men also tend to get more serious tickets like DWI (DUI) or reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high auto insurance rates.
  • Getting married brings a discount – Having a significant other helps lower the price compared to being single. Marriage translates into being more mature and insurance companies reward insureds because married drivers tend to file fewer claims.
  • Driving citations inflate prices – Good drivers get better rates than their less careful counterparts. Having a single ticket can bump up the cost forty percent or more. People who have careless violations such as reckless driving or DUI may find that they have to to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to legally drive.

Tailor your car insurance coverage to you

When buying the best car insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover if your situation might need professional guidance.

  • Does my 1997 Volkswagen Golf qualify for pleasure use?
  • When would I need rental car insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I sign the liability waiver when renting a car?
  • Does liability extend to a camper or trailer?
  • Who is covered by my policy?
  • Is upholstery damage covered by car insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • What is PIP insurance?
  • Why does it cost so much to insure a teen driver?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Can you really save if you switch?

Drivers constantly see and hear ads for auto insurance savings from the likes of Allstate, GEICO and Progressive. They all seem to have a common claim that you’ll save big if you just switch your policy.

Is it even possible that every company can charge you less for car insurance?

Insurance companies quote the lowest rates for the driver that earns them the most money. One example of a profitable risk profile may need to be between the ages of 30 and 45, has no prior claims, and chooses high deductibles. Any new insured who fits those characteristics is entitled to the best price and as a result will probably save when switching.

Potential customers who do not fit this stringent profile will get a higher rate which results in business going elsewhere. If you listen closely, the ads state “drivers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way insurance companies can claim big savings. This illustrates why you absolutely need to do a quote comparison often. Because you cannot predict with any certainty which company will give you lower car insurance rates than your current company.

Educate yourself about auto insurance coverages

Having a good grasp of your policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages offered by auto insurance companies.

Liability auto insurance

This coverage provides protection from damages or injuries you inflict on people or other property that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers claims such as loss of income, attorney fees, bail bonds, medical services and structural damage. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Collision protection

Collision coverage pays for damage to your Golf caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, rolling your car, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for expenses for doctor visits, dental work, rehabilitation expenses and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Volkswagen Golf.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive insurance

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as falling objects, damage from getting keyed and vandalism. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage on a shoestring budget

When getting auto insurance quotes online, never buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage for the lowest price, but do not sacrifice coverage to save money.

In this article, we covered many ways to get a better price on 1997 Volkswagen Golf insurance. The most important thing to understand is the more companies you get car insurance rates for, the more likely it is that you will get a better rate. You may even find the most savings is with a small mutual company. Smaller companies can often provide lower car insurance rates in certain areas as compared to the big name companies such as Allstate or State Farm.

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