2013 Volkswagen Golf Insurance Cost – 9 Ideas for Cheaper Prices

No car owner looks forward to buying insurance coverage, especially when their premiums are too high.

Multiple auto insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurance company and get the definite cheapest price

It is always a good idea to compare rates once or twice a year because insurance coverage prices change regularly. Just because you had the best deal for Golf coverage two years ago the chances are good that you can find a lower premium rate today. You can find a lot of information about insurance coverage on the internet, but I’m going to show you some great ideas on how to find cheap insurance coverage.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using this information. Buying car insurance is easy if you know what you’re doing. But car owners must learn how big insurance companies compete online.

Buy car insurance online

Performing a rate comparison can be a lot of work if you don’t utilize the most efficient way. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you can utilize the internet to get rates in a matter of minutes.

All the larger companies belong to a marketplace where prospective buyers submit one quote, and each participating company can provide price quotes based on that information. This saves time by eliminating quotation requests to each company.

To find out how much you can save on car insurance click here (opens in new window).

The single downside to using this type of system is you cannot specify the providers to get quotes from. So if you prefer to choose from a list of companies to compare prices, we have assembled a list of companies who write car insurance in your area. Click here for list of insurance companies.

The method you choose is up to you, but make sure you compare apples-to-apples information for each quote you get. If you have mixed coverages it will be nearly impossible to determine which rate is truly the best. Having just a slight variation in insurance coverages could skew the results. And when comparison shopping, comparing all the rates in your area helps improve the odds of finding better pricing. Not every company allows you to get quotes online, so you also need to get price quotes from the smaller companies as well.

Find hidden discounts on insurance coverage

Some providers do not list every disount available very clearly, so the below list has both well-publicized and also the more inconspicuous credits that you can use to lower your rates.

  • Multiple Cars – Buying coverage for multiple vehicles with the same company may reduce the rate for each vehicle.
  • Government Employee Discount – Being employed by or retired from a federal job could provide a small rate reduction for Golf coverage depending on your insurance coverage provider.
  • Theft Deterent System – Cars optioned with advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
  • Resident Student – Older children who live away from home at college and don’t have a car may be able to be covered for less.
  • Braking Control Discount – Cars equipped with ABS or steering control can reduce accidents so companies give up to a 10% discount.
  • Paperwork-free – Some insurance coverage companies give back up to $50 for completing your application on the web.
  • Early Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you may have a lower total premium amount.
  • Driver Training Discounts – Taking part in a course that instructs on driving safety could save 5% or more and also improve your driving technique.
  • Low Mileage Discounts – Low mileage vehicles can earn substantially lower premium rates.

It’s important to note that some credits don’t apply to the overall cost of the policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way.

A list of companies and the discounts they provide are shown below.

  • State Farm has savings for safe vehicle, good driver, student away at school, multiple policy, and passive restraint.
  • Nationwide offers discounts including anti-theft, defensive driving, easy pay, business or organization, good student, Farm Bureau membership, and family plan.
  • GEICO offers premium reductions for federal employee, multi-policy, driver training, good student, defensive driver, military active duty, and anti-lock brakes.
  • AAA may have discounts that include pay-in-full, education and occupation, AAA membership discount, multi-car, good student, anti-theft, and good driver.
  • 21st Century policyholders can earn discounts including driver training, teen driver, anti-lock brakes, 55 and older, and air bags.
  • The Hartford has discounts for anti-theft, good student, bundle, driver training, defensive driver, and vehicle fuel type.

It’s a good idea to ask all companies you are considering how you can save money. Some discounts listed above may not apply to policies in your state.

Tailor your insurance coverage to you

When buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique so this has to be addressed. These are some specific questions might point out if your situation would benefit from professional advice.

  • What happens if I owe more than my 2013 Volkswagen Golf is worth?
  • Do I have any recourse if my insurance company denies a claim?
  • Does my insurance cover a custom paint job?
  • Does coverage extend to Mexico or Canada?
  • How much underlying liability do I need for an umbrella policy?
  • What is no-fault insurance?
  • Can my babysitter drive my car?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area.

Auto insurance coverages 101

Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most auto insurance policies.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses for funeral costs, rehabilitation expenses, EMT expenses, doctor visits and chiropractic care. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Volkswagen Golf.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like falling objects, fire damage, theft, hitting a deer and hitting a bird. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision insurance

This pays for damage to your Golf resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like driving through your garage door, crashing into a ditch, colliding with another moving vehicle, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Auto liability

Liability coverage protects you from damage or injury you incur to people or other property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like repair costs for stationary objects, bail bonds and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Quote more, save more

When buying insurance coverage, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.

In this article, we covered many tips how you can compare 2013 Volkswagen Golf insurance rates online. The key thing to remember is the more companies you get car insurance rates for, the better chance you’ll have of finding cheaper auto insurance. You may be surprised to find that the most savings is with a lesser-known regional company. Some small companies may only write in your state and offer lower car insurance rates compared to the large companies like GEICO and State Farm.

Lower-priced 2013 Volkswagen Golf insurance is available from both online companies and from local insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and most of the time these regional carriers prefer to sell through independent insurance agencies.

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