View 1998 Volkswagen Golf Insurance Quotes

No one in their right mind gets a kick out of paying for auto insurance, in particular when their premiums are too high.

Many car insurance companies compete for your insurance dollar, and it can be difficult to compare rates and get the definite lowest cost out there.

Quote auto insurance online

Performing a rate comparison can take hours if you don’t utilize the most efficient way. You can waste a few hours (or days) talking to insurance companies in your area, or you can utilize online quotes to quickly compare rates.

Many popular insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and every company then gives them pricing. This system prevents you from having to do quote forms for every auto insurance company. To access this free quoting program, click to open in new window.

The one downside to comparing rates this way is you don’t know exactly the providers you will receive quotes from. So if you want to select specific providers for rate comparison, we put together a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

You can use whichever method you prefer to find lower rates, just be sure you’re using exactly the same coverages and limits for every company. If the quotes have different values for each quote it’s not possible to make an equal comparison. Just slight variations in insurance coverages or limits may result in a large different in cost. And when quoting auto insurance, remember that comparing more rates from different companies will enable you to find lower pricing. Some insurance companies are not set up to provide price estimates online, so you also need to get rates from the smaller companies as well.

Tailor your insurance coverage to you

When buying proper insurance coverage, there is no perfect coverage plan. Every situation is different so your insurance needs to address that. For instance, these questions may help highlight whether you would benefit from an agent’s advice.

• Is my cargo covered for damage or theft?
• Am I covered when driving a rental car?
• Are all vehicle passengers covered by medical payments coverage?
• Is my teen driver covered when they drive my company car?
• Does coverage extend to a rental car in a foreign country?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Should I buy additional glass protection?
• What can I do if my company denied a claim?
• Does my personal policy cover me when driving out-of-state?
• When should I not file a claim?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Learn about car insurance coverages for a 1998 Volkswagen Golf

Learning about specific coverages of car insurance helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages offered by car insurance companies.

Liability car insurance – Liability insurance can cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. It does not cover 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 values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as medical expenses, legal defense fees, funeral expenses and emergency aid. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for doctor visits, hospital visits and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Collision coverage – This coverage pays for damage to your Golf from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, damaging your car on a curb, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive car insurance – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, fire damage, a tree branch falling on your vehicle and hitting a bird. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Volkswagen Golf.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.