Compare 1994 Volkswagen Golf Insurance Quotes

Sick and tired of trying to scrape together enough money to insure your Volkswagen every month? Your situation is no different than millions of other consumers.

Multiple insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and get the definite lowest cost out there.

If you currently have a car insurance policy, you will most likely be able to save some money using these techniques. Choosing the best insurance company for you is easy if you know what you’re doing. But vehicle owners do need to learn how the larger insurance companies sell insurance online because it can help you find the best coverage.

Be sure to get all your discounts

Companies don’t always publicize every available discount very well, so the following is a list of both well-publicized and also the lesser-known discounts you could be receiving.

  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Homeowners Savings – Simply owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Sign Online – Some insurance companies give back up to $50 for buying a policy and signing up digitally online.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more on Golf coverage than less cautious drivers.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, you won’t be that lucky.

Insurance companies that possibly offer these money-saving discounts include:

It’s a good idea to ask each company what discounts are available to you. Discounts might not be offered in your state.

How do I know if I need professional advice?

When choosing adequate coverage, there isn’t really a one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if you might need an agent’s assistance.

  • Are my friends covered when driving my car?
  • Am I covered when pulling a rental trailer?
  • When would I need additional glass coverage?
  • What are the best liability limits?
  • When can my company non-renew my policy?
  • I don’t drive much so do I pay less?
  • Can I still get insurance after a DUI?
  • Can my babysitter drive my car?
  • If my pet gets injured in an accident are they covered?
  • Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

The auto insurance bait and switch

Auto insurance companies such as Progressive, Geico, Allstate and State Farm regularly use ads on television and other media. They all seem to say the same thing of big savings if you move to them. How can each company claim to save you money?

Insurance companies are able to cherry pick for the type of driver they prefer to insure. A good example of a profitable customer could possibly be between 25 and 40, has no prior claims, and has a short commute. Any driver who meets those qualifications will get the preferred rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who don’t measure up to the requirements will be charged higher prices which leads to the driver buying from a lower-cost company. Company advertisements say “people who switch” but not “drivers who get quotes” save money. This is how insurance companies can confidently make the claims of big savings. That is why you need to get as many quotes as possible. You cannot predict which company will fit your personal profile best.

Parts of your car insurance policy

Having a good grasp of a car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types offered by car insurance companies.

Liability car insurance – This will cover injuries or damage you cause to other people or property by causing an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that translate to $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 coverage pays for claims such as funeral expenses, legal defense fees and loss of income. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as funeral costs, chiropractic care, prosthetic devices and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like theft, rock chips in glass and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 1994 Volkswagen Golf.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverages – This coverage pays for damage to your Golf resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sustaining damage from a pot hole, colliding with another moving vehicle, sideswiping another vehicle, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

A fool and his money are soon parted

Affordable 1994 Volkswagen Golf insurance can be found from both online companies in addition to many insurance agents, so compare prices from both to get a complete price analysis. Some companies do not provide online price quotes and these small, regional companies work with independent agents.

When trying to cut insurance costs, never sacrifice coverage to reduce premiums. There have been many situations where someone dropped physical damage coverage only to regret that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage at the best price.

Throughout this article, we presented a lot of techniques to get a better price on insurance. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from a small mutual company. Regional companies may cover specific market segments cheaper than their larger competitors like Progressive and Geico.

Even more information can be found in these articles: