2017 Volkswagen Golf Insurance Cost – 9 Tricks for Cheaper Prices

Want better insurance rates for your Volkswagen Golf? Scraping up a payment for pricey Volkswagen Golf insurance can bleed your monthly budget and force you to make sacrifices. Drivers have so many insurers to insure vehicles with, and although it’s nice to be able to choose, more options can take longer to find the best rates.

It’s important to check insurance prices every six months because insurance prices are usually higher with each renewal. Just because you found the best deal for Golf insurance last year you may be paying too much now. There is lot of inaccurate information about insurance on the internet, but in this article, you’re going to get some good information on how to lower your insurance premiums.

This information will instruct you on the best way to quote coverages and some tricks to saving. If you are paying for car insurance now, you should be able to save some money using this strategy. Drivers just need to learn the most efficient way to find the lowest price on the web.

The cheapest auto insurance rate quotes

There are a lot of ways to shop for auto insurance, but one way is less time-consuming than others. You can spend your afternoon talking about coverages with insurance agencies in your area, or you can stay home and use online quoting to get the quickest rates.

Most car insurance companies take part in a program where prospective buyers enter their policy data once, and at least one company returns a competitive quote based on that information. This eliminates the need for repetitive form submissions to every company.

To get comparison pricing now click here (opens in new window).

The one downside to using this type of form is that you can’t choose the providers to receive prices from. So if you want to choose specific insurance companies to compare prices, we have a listing of auto insurance companies in your area. Click to view list.

Whichever method you choose, compare apples-to-apples quote data on every quote you get. If your comparisons have mixed coverages then you won’t be able to determine the best price for your Volkswagen Golf.

These nine discounts can lower your car insurance quotes

Companies offering auto insurance don’t always list all possible discounts in a way that’s easy to find, so the list below gives a summary of some of the more common as well as some of the hidden discounts you could be receiving when you buy insurance online. If you’re not getting every credit you deserve, you could be saving more on your car insurance.

  • Early Renewal Discounts – A few car insurance companies allow discounts for switching companies prior to your current policy expiration. Ten percent is about the average savings.
  • Homeowners Pay Less – Being a homeowner can help you save on car insurance because it shows financial diligence.
  • Discounts for New Vehicles – Buying a new car model may earn a small discount since newer models are generally safer.
  • Driver’s Education for Students – Teen drivers should enroll and complete driver’s education in school or through a local driver safety program.
  • Multi-policy Discount – If you have multiple policies and place coverage with the same company they may give you a discount of up to 20% and get you cheap insurance.
  • Multi-Vehicle Discounts – Purchasing coverage when you have multiple cars with the same company can get a discount on all vehicles.
  • Defensive Driver – Successfully completing a course teaching driver safety skills could save 5% or more and make you a better driver.
  • Federal Employees – Federal government employees could qualify for a slight premium decrease for Golf insurance with select insurance companies.
  • Seat Belt Usage – Drivers who require all vehicle occupants to use a seat belt may be able to save a few bucks off the personal injury premium cost.

Discounts reduce rates, but you should keep in mind that some credits don’t apply the the whole policy. Some only apply to specific coverage prices like collision or personal injury protection. Despite the appearance that you could get a free car insurance policy, companies don’t profit that way.

Popular car insurance companies and a partial list of their discounts are detailed below.

  • State Farm offers premium reductions for anti-theft, accident-free, good driver, defensive driving training, safe vehicle, Drive Safe & Save, and passive restraint.
  • Esurance has discounts for online shopper, DriveSense, safety device, claim free, and Pac-12 alumni.
  • Progressive may include discounts for homeowner, multi-policy, continuous coverage, online signing, good student, online quote discount, and multi-vehicle.
  • Liberty Mutual offers discounts including multi-car, preferred payment discount, newly married, teen driver discount, and new graduate.
  • Auto-Owners Insurance discounts include multiple vehicles, student away at school, safe vehicle, paperless, teen driver, mature driver, and anti-lock brakes.
  • GEICO offers discounts for multi-vehicle, seat belt use, air bags, five-year accident-free, daytime running lights, driver training, and emergency military deployment.

If you need cheaper insurance quotes, ask every insurance company which credits you are entitled to. Some of the earlier mentioned discounts might not be offered on policies everywhere.

Different people need different car insurance coverages

When it comes to choosing the best car insurance coverage, there really is no “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if you might need professional guidance.

  • Do I have any recourse if my insurance company denies a claim?
  • Is there coverage for injuries to my pets?
  • Who is covered when they drive my 2017 Volkswagen Golf?
  • Do I need roadside assistance coverage?
  • I have a DUI can I still get coverage?
  • What is the difference between comprehensive and collision coverage?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, free and can provide invaluable advice.

Insurance coverage considerations

Having a good grasp of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.

Auto collision coverage

This coverage pays for damage to your Golf from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, crashing into a building, rolling your car, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, damage from a tornado or hurricane, hail damage and falling objects. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage

Med pay and PIP coverage reimburse you for bills for things like rehabilitation expenses, EMT expenses, prosthetic devices, surgery and dental work. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Liability insurance

Liability insurance can cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like funeral expenses, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Uninsured or underinsured coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 2017 Volkswagen Golf.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually these coverages are similar to your liability insurance amounts.

Never pay more for less

In this article, we covered a lot of ways to lower your 2017 Volkswagen Golf insurance rates. The key concept to understand is the more price quotes you have, the better your chances of lowering your car insurance rates. Consumers could even find that the lowest rates come from some of the lesser-known companies. Some small companies may have significantly lower car insurance rates on certain market segments than their larger competitors like State Farm, GEICO and Nationwide.

When getting insurance quotes online, do not buy less coverage just to save a little money. Too many times, someone dropped liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your objective should be to buy a smart amount of coverage at a price you can afford but still have enough coverage for asset protection.

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