2016 Volkswagen Golf Car Insurance Cost – 7 Tips to Save

Searching for cheaper auto insurance rates for your Volkswagen Golf? Locating cheaper insurance for a Volkswagen Golf could be a lot of work, but you can learn these tips to make it easier.

There are more efficient ways to shop for auto insurance so you’re going to learn the proper way to quote coverages for a Volkswagen and get the best price possible from both online companies and local agents.

If you have a policy now or are looking for a new policy, you will benefit by learning to get lower rates and possibly find even better coverage. Locating more affordable coverage is not that difficult. Consumers just need to know the tricks to compare company rates over the internet.

Discounts can really help lower rates

Car insurance companies don’t always advertise every discount they offer in a way that’s easy to find, so the list below gives a summary of some of the best known and the more hidden discounts you could be receiving when you buy insurance online. If you check and find you aren’t receiving every discount you qualify for, you may be paying too high a price.

  • Discounts for New Vehicles – Adding a new car to your policy can save up to 30% because newer vehicles keep occupants safer.
  • Safe Driver Discounts – Drivers without accidents may save up to 50% more on Golf insurance as compared to drivers with claims.
  • Life Insurance Discount – Some insurance carriers give a discount if you purchase life insurance from them.
  • Accident Forgiveness Coverage – Not a discount per se, but some insurance companies will turn a blind eye to one accident without the usual rate increase if you have no claims before the accident.
  • Discount for Home Ownership – Being a homeowner can get you a discount because owning a home requires a higher level of personal finance.
  • ABS and Traction Control Discounts – Cars and trucks with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Payment Discounts – By paying your entire bill at once as opposed to paying monthly you could save up to 5%.

Discounts save money, but please remember that some of the credits will not apply the the whole policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

To view providers that provide some of the discounts listed above, follow this link.

Where can I get cheap auto insurance?

Performing a rate comparison can be a lot of work if you aren’t aware of the best way to get rate quotes. You can spend countless hours talking about coverages with insurance companies in your area, or you could save time and use the internet to quickly compare rates.

Many of the larger companies participate in a marketplace where insurance shoppers only type in their quote data once, and each company then returns a price quote based on the submitted data. This saves time by eliminating quote forms to every company.

To find out how much you’re overpaying now click here to start a free quote.

The only drawback to using this type of system is buyers cannot specifically choose which carriers to get pricing from. If you prefer to choose from a list of companies for rate comparison, we have a page of the cheapest auto insurance companies in your area. View list of insurance companies.

Whichever way you use, make sure you compare identical coverage limits and deductibles for every quote you compare. If you enter higher or lower deductibles it’s not possible to make a fair comparison for your Volkswagen Golf.

Will just any policy work for me?

When choosing the best insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Each situation is unique.

For example, these questions may help you determine if you might need professional guidance.

  • Does liability extend to a camper or trailer?
  • Am I covered if my car is in a flood?
  • Is a blown tire covered by insurance?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is there coverage for injuries to my pets?
  • Do I pay less if my vehicle is kept in my garage?
  • What if I owe more than I can insure my car for?
  • Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Specifics of your auto insurance policy

Knowing the specifics of your policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from flooding, hail damage, damage from a tornado or hurricane and falling objects. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages

This coverage can cover damages or injuries you inflict on other people or property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things like repair bills for other people’s vehicles, pain and suffering, bail bonds, medical services and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Coverage for collisions

This pays for damage to your Golf from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like damaging your car on a curb, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Volkswagen Golf.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for expenses like dental work, funeral costs and nursing services. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Be Smart and Buy Smart

As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where consumers will sacrifice liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your objective should be to get the best coverage possible for the lowest cost while not skimping on critical coverages.

Some companies may not provide internet price quotes and these regional carriers only sell through independent insurance agencies. Cost effective 2016 Volkswagen Golf insurance is available from both online companies and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money.

In this article, we covered many ways to save on 2016 Volkswagen Golf insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your car insurance rates. You may be surprised to find that the best rates are with the smaller companies.

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