2015 Volkswagen Golf Insurance Rates – 7 Tips to Save

Are you regretting the purchase of overpriced auto insurance? Believe me, you’re not the only one.

You have multiple auto insurance companies to choose from, and although it’s a good thing to have a choice, too many choices makes it more difficult to find the lowest cost provider.

Auto insurance discounts are available to lower your rates

Companies that sell car insurance don’t always publicize every available discount in a way that’s easy to find, so the list below contains some of the more common and the more hidden savings tricks you should be using when you buy insurance coverage online. If you do not check that you are getting every discount you deserve, you may be paying too high a price.

  • Discounts for Government Workers – Simply working for the federal government could cut as much as 10% off on Golf insurance with a few auto insurance companies.
  • Defensive Driver Discounts – Participating in a defensive driving course could cut 5% off your bill depending on where you live.
  • ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Military Deployment Discount – Being on active duty in the military could be rewarded with lower prices.
  • Good Students Pay Less – Getting good grades may save as much as 25% on a insurance coverage quote. This discount can apply until age 25.
  • Responsible Drivers – Insureds without accidents can pay as much as 50% less on Golf insurance compared to rates paid by drivers with frequent claims.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in school.

One last thing about discounts, some of the credits will not apply to the entire cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, you aren’t that lucky.

Companies and their offered discounts can be read below.

  • American Family includes discounts for good driver, bundled insurance, TimeAway discount, multi-vehicle, good student, and mySafetyValet.
  • Farm Bureau may offer discounts for youthful driver, renewal discount, good student, multi-vehicle, and multi-policy.
  • State Farm discounts include safe vehicle, good driver, driver’s education, anti-theft, multiple autos, accident-free, and multiple policy.
  • Travelers offers discounts for driver training, payment discounts, multi-car, good student, new car, hybrid/electric vehicle, and multi-policy.
  • The Hartford has savings for good student, anti-theft, air bag, vehicle fuel type, bundle, and defensive driver.
  • GEICO may include discounts for daytime running lights, membership and employees, emergency military deployment, air bags, multi-policy, and anti-lock brakes.
  • Progressive has discounts for continuous coverage, multi-policy, multi-vehicle, good student, online signing, and online quote discount.

If you want cheap insurance coverage quotes, ask each company which discounts can lower your rates. A few discounts may not be available everywhere. To view insurers who offer cheap auto insurance quotes, click here.

How much is car insurance?

There are several ways to shop for car insurance, but some are less labor-intensive and much quicker. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could use the internet to get prices fast.

Most of the best insurance companies take part in a program where prospective buyers enter their policy data once, and at least one company returns a rated price based on the submitted data. This system prevents you from having to do quote forms for each company you want a rate for.

To find out how much you’re overpaying now click here (opens in new window).

The only downside to using this type of system is you can’t choose which carriers to receive prices from. So if you prefer to pick from a list of companies to compare, we have assembled a list of low cost car insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make absolute certain that you use apples-to-apples coverages with every price quote. If you use different data it will be very difficult to truly determine the lowest rate. Slightly different insurance coverages could mean much higher rates. It’s important to know that getting more free quotes helps you find a lower rate than you’re paying now. Not every company does rate quotes online, so it’s recommended that you also compare prices from those companies as well.

Everyone needs different auto insurance coverages

When choosing adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For example, these questions may help you determine whether you may require specific advice.

  • Who is covered when they drive my 2015 Volkswagen Golf?
  • Does my liability insurance cover pulling a trailer or camper?
  • When should I buy a commercial auto policy?
  • When should I remove comp and collision on my 2015 Volkswagen Golf?
  • What happens if I owe more than my 2015 Volkswagen Golf is worth?
  • How many claims can I have before being cancelled?
  • Should I get collision insurance on every vehicle?
  • Do I really need UM/UIM coverage?
  • Am I getting all the discounts available?
  • Are split liability limits better than a combined single limit?

If you can’t answer these questions but a few of them apply then you might want to talk to 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.

Car insurance coverage information

Knowing the specifics of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. These are the normal coverages offered by insurance companies.

Liability auto insurance

This protects you from damages or injuries you inflict on other people or property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as court costs, attorney fees, repair bills for other people’s vehicles, emergency aid and pain and suffering. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a broken windshield, a tree branch falling on your vehicle, fire damage, vandalism and theft. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for expenses for things like ambulance fees, chiropractic care and hospital visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

This pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like hitting a mailbox, damaging your car on a curb, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Smart shoppers get results

When searching for inexpensive insurance coverage quotes, you should never buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed full coverage and learned later that it was a big error on their part. Your aim should be to get the best coverage possible at the best possible price, but do not sacrifice coverage to save money.

We’ve covered many ideas to reduce 2015 Volkswagen Golf insurance auto insurance rates online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.

Additional car insurance information can be read below: