Save on 1992 Volkswagen Golf Insurance Quotes

Looking for lower insurance coverage rates for your Volkswagen Golf? Perplexed by the wide range of insurance coverage choices? Many other consumers are too. People have so many companies to choose from that it can easily become a ton of work to find the lowest price.

If you currently have car insurance, you will be able to reduce your rates substantially using these methods. The purpose of this post is to instruct you on how to effectively get price quotes and some money-saving tips. But vehicle owners must learn how companies compete online and apply this information to your search.

These discounts can lower your rates

Companies that sell car insurance don’t list every discount in an easy-to-find place, so the following is a list of some of the best known as well as the least known discounts you could be receiving.

  • Government Employees – Active or retired federal employment could cut as much as 10% off on Golf coverage with select insurance companies.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Sign Online – A handful of insurance companies give back up to $50 simply for signing over the internet.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.

It’s important to note that some credits don’t apply to all coverage premiums. Most only cut the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you could get a free insurance policy, it just doesn’t work that way.

To see a list of insurers with the best insurance discounts, follow this link.

Different people need different coverages

When choosing the best car insurance coverage for your personal vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine if you will benefit from professional help.

  • Do I pay less for low miles?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • When should I remove comp and collision on my 1992 Volkswagen Golf?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I have coverage for damage caused while driving under the influence?
  • How much liability coverage do I need in my state?
  • Should I sign the liability waiver when renting a car?
  • How can I get my company to pay me more for my totalled car?
  • What is roadside assistance coverage?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form.

Switch companies and save? Really?

State Farm, Geico and Progressive constantly bombard you with television and radio advertisements. All the companies say the same thing about savings if you switch your coverage to them. But how can every company make almost identical claims?

Different companies can use profiling for the driver they prefer to insure. For example, a desirable insured might be between 30 and 50, has no tickets, and chooses high deductibles. Any new insured who fits that profile will get the preferred rates and is almost guaranteed to save when they switch companies.

Drivers who don’t qualify for the requirements will be charged higher premiums which usually ends up with business not being written. The ads say “drivers who switch” but not “drivers who get quotes” save money. That’s the way insurance companies can make the claims of big savings. That is why it’s extremely important to get quotes from several different companies. It’s just too difficult to predict which company will provide you with the cheapest Volkswagen Golf insurance rates.

Coverages available on your policy

Having a good grasp of your policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Volkswagen Golf.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage – This pays for damage to your Golf caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as sideswiping another vehicle, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Coverage for liability – This will cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as repair bills for other people’s vehicles, legal defense fees, attorney fees and medical expenses. How much coverage you buy is up to you, but consider buying as much as you can afford.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for bills for things like pain medications, X-ray expenses, nursing services and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, rock chips in glass, fire damage, hitting a bird and damage from getting keyed. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Have money to burn

As you go through the steps to switch your coverage, it’s a bad idea to reduce needed coverages to save money. In many cases, someone sacrificed liability limits or 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 a price you can afford.

Insureds leave their current company for a number of reasons such as lack of trust in their agent, unfair underwriting practices, high rates after DUI convictions and an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new company can be pretty painless.

Budget-conscious 1992 Volkswagen Golf insurance can be bought both online and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and these smaller companies work with independent agents.

More detailed insurance coverage information can be found at these sites: