Lower Your 2001 Volkswagen Golf Car Insurance Quotes

Searching for the cheapest car insurance rates for your Volkswagen Golf? Locating the cheapest insurance for your Volkswagen Golf could be a painful process, but you can learn a few tricks to find lower rates. There are both good and bad ways to find car insurance online so you’re going to learn the best way to price shop coverage for a new or used Volkswagen and find the cheapest rates either online or from local insurance agents.

Smart consumers take time to get comparison quotes yearly because prices go up and down regularly. Even if you think you had the lowest rates for Golf insurance on your last policy the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn one of the quickest ways to reduce your cost while improving coverage.

Drivers can save with these discounts

Car insurance is not cheap, but there may be some discounts to reduce the price significantly. Certain reductions will be credited when you complete an application, but a few must be asked for prior to getting the savings.

  • Discounts for Government Workers – Active or retired federal employment could cut as much as 10% off for Golf insurance depending on your insurance coverage provider.
  • New Vehicle Savings – Buying a new car model can be considerably cheaper since new vehicles are generally safer.
  • Safety Restraint Discount – Buckling up and requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Safety Course Discount – Completing a course that instructs on driving safety may get you a small discount and easily recoup the cost of the course.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may save over 10 percent off each policy depending on the company.
  • Low Mileage – Driving less could earn lower insurance coveragerates on the low mileage vehicles.
  • Good Student – This discount can save 20 to 25%. Most companies allow this discount up until you turn 25.
  • Pay Upfront and Save – If you can afford to pay the entire bill instead of paying each month you can avoid monthly service charges.
  • College Student Discount – who live away from home to go to college and don’t have a car may be insured at a cheaper rate.
  • Membership in Organizations – Affiliation with certain professional organizations can get you a small discount on your bill.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. So even though you would think you could get a free insurance coverage policy, it’s just not the way it works. Any qualifying discounts should help lower the premium cost.

A list of companies and their offered discounts include:

  • GEICO discounts include multi-policy, defensive driver, five-year accident-free, membership and employees, and emergency military deployment.
  • MetLife offers discounts for defensive driver, good driver, claim-free, multi-policy, good student, and accident-free.
  • State Farm offers premium reductions for multiple autos, good student, safe vehicle, multiple policy, and driver’s education.
  • Progressive has savings for multi-policy, continuous coverage, homeowner, multi-vehicle, and online signing.
  • Mercury Insurance has discounts for multi-car, location of vehicle, low natural disaster claims, multi-policy, good student, and professional/association.
  • 21st Century may have discounts that include theft prevention, air bags, anti-lock brakes, defensive driver, automatic seat belts, 55 and older, and early bird.
  • Allstate may offer discounts for early signing, anti-theft, good payer, new car, EZ pay plan discount, FullPay discount, and passive restraint.

If you want cheaper insurance coverage quotes, ask every prospective company how many discounts you can get. Some of the earlier mentioned discounts may not apply in your area. To find insurance companies that offer the discounts shown above, click here.

How to find the cheapest auto insurance

Finding more affordable 2001 Volkswagen Golf auto insurance rates can be quick and easy. All you need to do is spend a few minutes comparing price quotes to discover which company has cheap insurance coverage quotes. It’s really simple and can be done in several different ways.

  1. The first (and easiest) way to get quotes for comparison is a comparison rater form (click to open form in new window). This quick form keeps you from doing separate forms for each company you want a rate for. Filling out one form will get you rate comparisons from several companies. This is by far the quickest method.
  2. Another way to find lower rates is spending the time to visit each company website to request a price quote. For instance, we’ll pretend you want rates from Farmers, State Farm and Travelers. To do that, you would have to take the time to go to each site to input your insurance information, which can get old fast.

    To view a list of companies in your area, click here.

  3. The least recommended method to get price estimates is actually driving to insurance agencies in your area. The ability to buy insurance online eliminates this option unless you want the trained guidance of a local agent. Although you can price shop your coverage online but buy the policy through an agent.

You can use whichever method you prefer to find lower rates, just do your best to enter exactly the same quote data for every company. If you use differing limits it will be nearly impossible to decipher which rate is best.

Special considerations

When choosing proper insurance coverage, there is no best way to insure your cars. Every situation is different.

For instance, these questions might point out whether your personal situation would benefit from professional advice.

  • How can I find cheaper teen driver insurance?
  • How do I file an SR-22 for a DUI in my state?
  • Does coverage extend to my business vehicle?
  • How does medical payments coverage work?
  • Am I better off with higher deductibles on my 2001 Volkswagen Golf?
  • When can my company non-renew my policy?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverages explained

Learning about specific coverages of a insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverage

This provides protection from damage or injury you incur to other people or property that is your fault. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against claims like loss of income, pain and suffering and structural damage. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Insurance for medical payments

Med pay and PIP coverage pay for bills for things like nursing services, pain medications and dental work. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from getting keyed, damage from a tornado or hurricane, hitting a bird and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

Collision coverage pays for damage to your Golf from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, damaging your car on a curb, rolling your car, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Better coverage you can count on

Some insurance companies may not offer price quotes online and most of the time these small insurance companies sell through local independent agencies. Cost effective 2001 Volkswagen Golf insurance is available online and from local insurance agents, so compare prices from both to have the best rate selection.

We just covered many ideas to get a better price on 2001 Volkswagen Golf insurance. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting cheap insurance coverage. Consumers could even find that the lowest priced insurance comes from a small mutual company.

When buying insurance coverage, never reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced full coverage and discovered at claim time that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage for the lowest price and still be able to protect your assets.

To read more, link through to the resources below: