View 2014 Volkswagen Golf Car Insurance Quotes

Searching for lower car insurance rates for your Volkswagen Golf? Locating low-cost insurance for a Volkswagen Golf can be difficult, but you can learn the following methods to find lower rates.

There are both good and bad ways to shop for car insurance so you’re going to learn the best way to compare rates on a Volkswagen and get the lowest possible price either online or from local insurance agents.

If you are insured now or need a new policy, you will benefit by learning to find the best rates and still get good coverage. Finding the lowest cost protection is not that difficult. Vehicle owners only need an understanding of how to get comparison quotes on the web.

Cheaper insurance rates with discounts

Car insurance companies don’t always list all their discounts in a way that’s easy to find, so we researched some of the more common and also the lesser-known credits available to bring down your rates.

  • Defensive Driver Discount – Participating in a class that teaches safe driver techniques may get you a small discount and easily recoup the cost of the course.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will save you 10% or more.
  • No Claims – Drivers who don’t have accidents can earn big discounts when compared to policyholders that have many claims.
  • Own a Home and Save – Owning your own home or condo may earn you a small savings because it shows financial diligence.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
  • Renewal Discounts – Some larger companies give discounts for buying a policy before your current policy expires. You may see this discount when you get auto insurance quotes online.
  • Bundle and Save – If you can combine your auto and home policy with the same insurance company you could get a discount of as much as 10 to 15 percent.
  • Multiple Cars – Purchasing coverage when you have multiple cars or trucks on a single policy can get a discount on all vehicles.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Most cut specific coverage prices like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way.

A partial list of companies that may have these money-saving discounts include:

When quoting, ask each insurance company what discounts are available to you. All car insurance discounts might not be available to policyholders in your area. To view companies with the best discounts, click here.

Compare auto insurance quotes

Many insurance companies provide price estimates online. Getting online rates is quite easy as you just type in your coverage information into the form. Once you submit the form, the system requests information on your driving record and credit history and gives you a price quote.

Online price estimates makes it a lot easier to compare rates but the time it takes to visit different websites and enter the same data into a form can be a bit repetitive. But it’s absolutely necessary to do this in order to find better prices.

There is an easier way to compare rates

A more efficient way to find lower prices uses just one form that gets price quotes from several companies at one time. This type of form saves time, requires much less work on your part, and makes online quotes much more efficient. Once the form is submitted, it gets priced and you can select your choice of the returned quotes.

If you find a better price it’s easy to complete the application and buy the policy. This process just takes a couple of minutes and you will know how your current rates stack up.

In order to use this form to compare rates, simply click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you replicate as shown on your current policy. Using the same limits helps guarantee you will have a price comparison for the exact same coverage.

Tailor your insurance coverage coverage to you

When buying coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions might point out whether or not you may require specific advice.

  • What companies insure drivers after a DUI or DWI?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need special endorsements for business use of my vehicle?
  • Should I have a commercial auto policy?
  • Am I covered when driving someone else’s vehicle?
  • What can I do if my company won’t pay a claim?
  • When does my teenage driver need to be added to my policy?
  • Should I have combined single limit or split liability limits?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Educate yourself about car insurance coverages

Understanding the coverages of your policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Collision – Collision coverage will pay to fix damage to your Golf caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, hitting a mailbox, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision) – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, damage from a tornado or hurricane, a broken windshield, a tree branch falling on your vehicle and hitting a bird. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like X-ray expenses, pain medications, dental work, surgery and nursing services. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Volkswagen Golf.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Liability – This coverage can cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like medical expenses, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Buy online or local, you save

Some insurance companies may not provide online quoting and usually these regional insurance providers sell through local independent agencies. Budget-friendly insurance can be bought online and from local agencies, so compare prices from both to have the best chance of lowering rates.

When shopping online for insurance, it’s very important that you do not skimp on coverage in order to save money. In many cases, someone dropped collision coverage and learned later that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.

Drivers leave their current company for a variety of reasons including being labeled a high risk driver, denial of a claim, lack of trust in their agent and extreme rates for teen drivers. It doesn’t matter why you want to switch switching insurance companies can be easier than you think.

More detailed insurance information is located at these sites: