Lower Your 1999 Volkswagen Golf Insurance Cost

Trying to find better car insurance rates for your Volkswagen Golf? Overpriced Volkswagen Golf insurance can deplete your budget and put the squeeze on your family’s finances. Comparing rates annually is a great way to ensure you are getting the best deal.

Having so many online and local companies to choose from, it’s difficult to find the best insurance company.

It’s a good idea to do price comparisons on a regular basis because car insurance prices change regularly. Just because you had the lowest price on Golf coverage on your last policy a different company probably has better rate quotes today. You can find a lot of information about car insurance on the web, but in this article, you’re going to get a lot of great tips on how to lower your car insurance rates.

Low cost car insurance

Most of the larger companies allow consumers to get coverage prices on their websites. Comparing prices online is fairly simple as all you need to do is type in the coverage amounts you desire into the form. When complete, the quote system makes automated requests for your driving record and credit report and returns a price based on these factors. Online quotes helps simplify price comparisons, but the time it takes to visit each company’s website and repetitively type in the same information is repetitive and time-consuming. But it is imperative to get many rate quotes in order to get better car insurance pricing.

An easier way to lower your car insurance bill requires only one form to get prices from several different companies. It’s a real time-saver, eliminates form submissions, and makes online shopping much easier to do. Once the form is submitted, it is quoted and you can choose your choice of the resulting price quotes.

If you find a better price you simply finish the application and buy the new coverage. The entire process only takes a few minutes and may save quite a bit of money.

To find out what other companies charge, simply click here to open in new window and fill out the form. If you have a policy now, it’s recommended you enter the limits and deductibles identical to your current policy. This ensures you will receive a fair comparison based on similar coverages.

Get lower rates by taking advantage of discounts

The price of auto insurance can be rather high, but there could be available discounts that can help lower your rates. Larger premium reductions will be automatically applied at the time you complete a quote, but some discounts are required to be asked about before you will receive the discount.

  • Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Own a Home and Save – Just owning your own home can save a few bucks due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Cautious Driver Discounts – Safe drivers can get discounts for up to 45% lower rates on Golf coverage compared to rates paid by drivers with frequent claims.
  • Anti-theft System – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your insurance quote.
  • Auto/Life Discount – Some companies give better premium rates if you take out life insurance from them.
  • Full Payment Discount – By making one initial payment rather than paying monthly you could save up to 5%.
  • Early Switch Discount – A few insurance companies offer discounts for buying a policy prior to your current policy expiration. This can save 10% or more.
  • Low Miles Discount – Low mileage vehicles may enable drivers to earn cheaper insurance coveragerates.
  • Accident Forgiveness – but certain companies may permit one accident before they charge you more for coverage if you are claim-free prior to the accident.

Policy discounts save money, but some of the credits will not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Larger insurance coverage companies and a partial list of their discounts are shown below.

  • Progressive offers discounts including good student, homeowner, online signing, multi-policy, and multi-vehicle.
  • MetLife discounts include good student, claim-free, multi-policy, accident-free, and good driver.
  • Mercury Insurance may have discounts that include annual mileage, accident-free, low natural disaster claims, multi-policy, good student, and anti-theft.
  • Nationwide offers premium reductions for defensive driving, anti-theft, accident-free, Farm Bureau membership, and good student.
  • GEICO has discounts for five-year accident-free, military active duty, federal employee, defensive driver, multi-vehicle, and emergency military deployment.
  • AAA may include discounts for good driver, anti-theft, pay-in-full, multi-policy, education and occupation, and AAA membership discount.

If you need lower rates, check with each company to apply every possible discount. Depending on the company, some discounts might not be offered in your state. To find companies who offer cheap insurance coverage quotes, click this link.

How much car insurance do I need?

When it comes to buying the right insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that can help discover whether or not you might need professional guidance.

  • Why am I required to get a high-risk car insurance policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I have coverage when making deliveries for my home business?
  • When should I not file a claim?
  • Does my insurance cover my expensive audio equipment?
  • Am I getting all the discounts available?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Insurance coverage options for a Volkswagen Golf

Having a good grasp of your insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average insurance policy.

Auto liability

This coverage protects you from damages or injuries you inflict on a person or their property. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as bail bonds, legal defense fees, emergency aid, loss of income and attorney fees. How much coverage you buy is your choice, but consider buying higher limits if possible.

Comprehensive protection

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, hitting a deer, theft, damage from getting keyed and damage from flooding. The most a insurance company will pay at claim time 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.

Collision coverage

Collision insurance covers damage to your Golf resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like rehabilitation expenses, pain medications, prosthetic devices and surgery. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Stretch your dollar

Budget-conscious 1999 Volkswagen Golf insurance can be found on the web in addition to many insurance agents, so you should compare both to have the best selection. There are still a few companies who do not offer price quotes online and many times these regional carriers only sell coverage through independent agencies.

While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. There are many occasions where someone dropped physical damage coverage to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage at an affordable rate and still be able to protect your assets.

We’ve covered some good ideas how to get a better price on 1999 Volkswagen Golf insurance. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. Consumers could even find that the lowest car insurance rates are with an unexpected company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, GEICO and Progressive.

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