Lower Your 1998 Volkswagen Golf Car Insurance Quotes

I can’t think of anyone who likes having to buy insurance, especially knowing the cost is way too high.

Numerous insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare car insurance companies to get the cheapest price

Consumers should take time to get comparison quotes quite often due to the fact that insurance rates trend upward over time. Even if you think you had the lowest rates on Golf insurance two years ago you can probably find a lower rate today. Ignore everything you know about insurance because I’m going to let you in on the secrets to the easiest way to eliminate unnecessary coverages and save money.

The fastest way that we advise to compare insurance rates in your area is to realize most of the bigger providers pay for the opportunity to provide you with a free rate quote. All consumers are required to do is provide details including if you have an active license, coverage limits, how many miles driven, and marital status. That information is instantly sent to many highly-rated insurers and they return cost estimate almost instantly.

To compare multiple company rates now, click here and complete the form.

Save with discounts on Volkswagen Golf insurance

Car insurance companies do not advertise every discount very well, so we break down some of the more common and also the lesser-known discounts you could be receiving.

  • Multiple Vehicles – Insuring multiple vehicles with the same company could earn a price break for each car.
  • Sign Online – Certain companies may give you up to $50 for buying your policy on their website.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Accident Waiver – A few companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a set time period.
  • Auto/Life Discount – Some companies give better rates if you take out auto and life insurance together.
  • Low Mileage – Fewer annual miles on your Volkswagen could be rewarded with better rates on cars that stay parked.
  • 55 and Retired – Mature drivers may be able to get reduced rates on Golf insurance.
  • No Claims – Good drivers with no accidents can save substantially compared to accident-prone drivers.

It’s important to note that most discount credits are not given to the entire policy premium. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you can get free auto insurance, you’re out of luck.

For a list of insurers offering insurance coverage discounts, click here to view.

Volkswagen Golf insurance premiums are calculated by many factors

Consumers need to have an understanding of the different types of things that play a part in calculating the price you pay for car insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that can help you get big savings.

  • Choose a safe vehicle and save – Safer cars get lower rates. Safer cars reduce injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If the Volkswagen Golf earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Clean credit earns discounts – Your credit score is a large factor in your rate calculation. Drivers who have good credit tend to be better drivers and file fewer claims than drivers who have lower ratings. Therefore, if your credit score is low, you could pay less to insure your 1998 Volkswagen Golf by spending a little time repairing your credit.
  • Your age impacts your rates – Older drivers tend to be more responsible, tend to file fewer claims and receive fewer citations. Teenage drivers are known to be less responsible behind the wheel therefore car insurance rates are much higher.
  • Rate your vehicle for proper use – Driving more miles each year the higher your rates will be. The majority of insurers apply a rate determined by how the vehicle is used. Vehicles that are left in the garage qualify for better rates than vehicles that are driven to work every day. Improper usage on your Golf may be costing you. Verify your car insurance coverage properly reflects the proper vehicle usage.
  • Careful drivers pay lower rates – Whether or not you get tickets impacts your car insurance rates tremendously. Only having one citation can increase rates by twenty percent. Good drivers receive lower rates than their less careful counterparts. Drivers with dangerous tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 form with the DMV in their state in order to prevent a license revocation.
  • Being married is a good thing – Having a spouse actually saves money on your car insurance policy. Having a spouse is viewed as being more mature and statistics show married drivers get in fewer accidents.
  • Do you need those extra coverages? – There are many additional coverages that you can buy when buying car insurance. Things like rental car reimbursement, towing coverage and term life insurance may be wasting your money. These may sound like a good investment when you first buy your policy, but if they’re wasting money remove them from your policy.
  • How many coverages with the same company – Some insurers provide better rates to people who consolidate policies with them. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even though this discount sounds good, it’s still a good idea to compare other company rates to verify if the discount is saving money. Drivers may still find a better deal by buying insurance from more than one company.

Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your situation could use an agent’s help.

  • Do I need medical payments coverage since I have good health insurance?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I really need UM/UIM coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • What can I do if my company won’t pay a claim?
  • Do I need special endorsements for business use of my vehicle?
  • Is a new car covered when I drive it off the dealer lot?
  • Why does it cost so much to insure a teen driver?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Switch companies and save? Really?

Allstate and Progressive consistently run ads in print and on television. All the companies make an identical promise that you can save if you change to their company. But how can every company make the same claim? It’s all in the numbers.

All companies have a certain “appetite” for the type of customer that is profitable for them. For example, a desirable insured might be profiled as over the age of 40, has no driving citations, and drives newer vehicles. A driver who matches those parameters receives the best rates and therefore will save a lot of money.

Drivers who don’t measure up to this ideal profile will be charged higher premiums and ends up with the driver buying from a lower-cost company. The ads state “people who switch” not “everybody who quotes” save money. That’s the way companies can truthfully claim big savings. That is why drivers must get quotes from several different companies. It is impossible to predict which company will fit your personal profile best.

Coverages available on your policy

Understanding the coverages of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most insurance policies.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for immediate expenses like chiropractic care, funeral costs, surgery and hospital visits. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, damage from a tornado or hurricane, theft and damage from getting keyed. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision – Collision insurance pays for damage to your Golf resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, crashing into a ditch, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Liability – This provides protection from damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like funeral expenses, legal defense fees, medical expenses and loss of income. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Coverage for uninsured or underinsured drivers – This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Volkswagen Golf.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Don’t throw your cash in the trash

When shopping online for insurance coverage, it’s very important that you do not skimp on coverage in order to save money. There have been many cases where someone sacrificed uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

In this article, we presented many tips how you can shop for 1998 Volkswagen Golf insurance online. The most important thing to understand is the more price quotes you have, the better likelihood of reducing your rate. Consumers may even find the best price on insurance coverage is with a smaller regional carrier. They can often provide lower rates in certain areas as compared to the big name companies such as Geico and State Farm.

Additional information is located at the links below