View 2000 Volkswagen Golf Car Insurance Cost

Looking for lower auto insurance rates for your Volkswagen Golf? Feeling guilty for buying high-priced auto insurance? It’s a common feeling and many drivers feel the same as you. Due to the abundance of insurance providers from which to choose, it is hard for the average consumer to pick the cheapest auto insurance provider.

Lower rate quotes by applying discounts

Auto insurance companies don’t always advertise the entire discount list in a way that’s easy to find, so the following is a list of some of the more common in addition to some of the lesser obvious ways to save on insurance coverage.

Sign Online – Certain insurance coverage companies provide a small discount simply for signing over the internet.
Driver Training Discounts – Taking a class that teaches defensive driving techniques could possibly earn you a 5% discount if your company offers it.
Pay Early and Save – By paying your policy upfront instead of paying each month you could save up to 5%.
No Claims – Claim-free drivers are rewarded with significantly better rates on car insurance quote as opposed to drivers who are more careless.
Good Students Pay Less – This discount can earn a discount of 20% or more. The discount lasts up to age 25.
Low Mileage – Low annual miles could be rewarded with slightly better premium rates than normal.
Homeowners Pay Less – Owning your own home or condo can help you save on insurance coverage because it shows financial diligence.
Discounts for Government Workers – Employees or retirees of the government may reduce rates when you quote car insurance for Golf coverage with some insurance coverage companies.
Passive Restraints – Options like air bags or automatic seat belts may get savings of 25 to 30%.
Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are less likely to be stolen and qualify for as much as a 10% discount.

We need to note that most discount credits are not given the the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn’t make money that way.

A list of companies and a partial list of their discounts can be found below.

Progressive may have discounts that include online quote discount, online signing, good student, homeowner, multi-policy, multi-vehicle, and continuous coverage.
MetLife has discounts for accident-free, defensive driver, good student, good driver, and multi-policy.
Mercury Insurance has savings for professional/association, type of vehicle, ease of repair, location of vehicle, accident-free, and age of vehicle.
Nationwide offers premium reductions for accident-free, anti-theft, family plan, multi-policy, easy pay, Farm Bureau membership, and defensive driving.
GEICO policyholders can earn discounts including air bags, anti-lock brakes, multi-vehicle, emergency military deployment, five-year accident-free, and military active duty.
AAA offers discounts for good driver, multi-policy, education and occupation, multi-car, anti-theft, and good student.

If you need the cheapest car insurance quotes, ask each company or agent to apply every possible discount. Some credits may not be offered everywhere. If you would like to see a list of companies that provide some of the discounts listed above, click here.

How to compare free insurance quotes

Reducing your 2000 Volkswagen Golf insurance rates is not rocket science. You just have to take the time getting comparison quotes from different insurance companies. Shoppers can get rates in a couple of different ways.

The single most time-saving way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This style of form saves time by eliminating separate quotes for each company you want a rate for. One form submission will get you rate comparisons from all major companies.
A more difficult way to analyze rates requires visiting the website of each company to request a price quote. For instance, we’ll pretend you want to compare prices for Progressive, GEICO and Allstate. You would be required to spend time going to each site individually and repeatedly type in your coverage information, and that’s why the first method is more popular.
For a handy list of car insurance company links in your area, click here.
The least efficient way to price shop rates is driving around to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you have a complicated situation and need the guidance that only a licensed agent can provide. Although you can find lower rates online but still have the advice of a local agent.

However you get your quotes, double check that you are using the same coverages for each quote you get. If you have different deductibles it will be nearly impossible to find the best deal for your Volkswagen Golf.

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The Volkswagen Golf insurance price equation

The best way to find cheaper insurance is to take a look at the rating factors that help determine the price you pay for insurance. If you have a feel for what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can help you get lower rates.

The factors shown below are some of the most common factors insurance companies consider when setting prices.

Bundle policies to earn discounts – Some insurance companies give better rates to insureds that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can be as much as ten percent or more Even if you’re getting this discount you still need to compare other insurance prices to confirm you are receiving the best rates possible.
Prevent theft and save – Selecting a car model that has a built-in theft deterrent system can help bring down rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft and help lower rates.
Liability insurance limits on your policy – Your policy’s liability coverage provides coverage if ever a jury decides you are liable for damages from an accident. Your liability coverage provides for a legal defense to defend your case. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
Drive fewer miles and save – The more miles you rack up on your Volkswagen each year the more you’ll pay to insure your vehicle. A lot of companies apply a rate based upon how the vehicle is primarily used. Autos left parked in the garage qualify for better rates than those used for commuting. Having an incorrect usage rating on your Golf is just wasting money. Ask your agent if your insurance declarations sheet is rated on annual mileage.
Your occupation can affect prices – Did you know your job can affect your rates? Occupational choices like doctors, architects and financial analysts are shown to have higher average rates due to intense work requirements and long work hours. On the other hand, careers such as professors, students and performers pay the least for Golf coverage.
Tickets can be expensive – A bad driving record can have a huge impact on auto insurance premiums. Drivers with clean records pay less for auto insurance than their less careful counterparts. Getting just one driving citation can bump up the cost substantially. Drivers with flagrant violations like DUI or reckless driving are required to maintain a SR-22 with their state DMV in order to legally drive a vehicle.
City dwellers may pay more – Choosing to live in areas with lower population is a good thing when insuring your vehicles. Residents of big cities tend to have more road rage incidents and higher rates of accident claims. Lower population translates into fewer accident claims and also fewer theft and vandalism claims.

Your auto insurance coverage should be tailored to you

When choosing proper insurance coverage, there is no one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether or not you may require specific advice.

Do I need more liability coverage?
Is rental equipment covered for theft or damage?
Where can I find DUI or SR-22 insurance?
Am I covered if I crash into my own garage door?
Should I rate my 2000 Volkswagen Golf as pleasure use or commute?
If my 2000 Volkswagen Golf is totaled, can I afford another vehicle?
What is roadside assistance coverage?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Is there truth in advertising?

Consumers can’t ignore all the ads that claim the lowest prices from companies such as State Farm, GEICO and Progressive. They all state the claim about savings if you switch to their company.

How can each company give you a lower rate? It’s all in how they say it.

Most companies have specific criteria for the type of customer that will be a good risk. One example of a profitable customer might be over the age of 40, has other policies, and drives less than 7,500 miles a year. A propective insured that meets those criteria will get the preferred rates as well as save quite a bit of money when switching.

Consumers who are not a match for the requirements will get more expensive rates and this results in the driver buying from a lower-cost company. The ads state “customers that switch” but not “everyone who gets a quote” save that kind of money. That’s why insurance companies can confidently make those statements. This illustrates why drivers must compare many company’s rates. It is just not possible to predict with any certainty which company will have better prices than you’re paying now.

Car insurance coverage basics

Learning about specific coverages of your car insurance policy can help you determine which coverages you need for your vehicles. Car insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average car insurance policy.

Liability coverage

This provides protection from damage or injury you incur to other people or property that is your fault. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things like structural damage, loss of income, medical expenses, attorney fees and pain and suffering. How much coverage you buy is up to you, but buy as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for expenses for chiropractic care, X-ray expenses, EMT expenses and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hail damage, damage from a tornado or hurricane, vandalism and theft. The maximum amount you can receive from a comprehensive claim 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

This coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a parking meter, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, 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.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2000 Volkswagen Golf.

Since a lot of 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.

Saving money is sweet as honey

Low-cost 2000 Volkswagen Golf insurance is available on the web and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some companies may not provide internet price quotes and usually these smaller providers provide coverage only through independent agencies.

As you quote car insurance, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The goal is to buy enough coverage at the best price while still protecting your assets.