1999 Volkswagen Golf Insurance Cost – 5 Savings Tips

Trying to find better insurance coverage rates for your Volkswagen Golf? Finding the most affordable insurance coverage on the web can seem to be problematic for beginners to price shopping online. With such a large number of choices, how can consumers effectively compare every company to locate the best pricing?

The fastest way that we advise to compare car insurance rates is to take advantage of the fact most insurance companies participate in online systems to compare rate quotes. The only thing you need to do is provide a little information including if the vehicle is leased, if you are currently licensed, your occupation, and whether you have decent credit. That rating data is instantly submitted to many of the top insurers and they return quotes quickly.

Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

For example, these questions could help you determine if you might need an agent’s assistance.

• When can I cancel my policy?
• What is high-risk coverage and where do I buy it?
• Am I covered if I hit a deer?
• Is other people’s property covered if stolen from my vehicle?
• Will my rates increase for filing one claim?
• Am I covered by my spouse’s policy after a separation?
• Why am I required to get a high-risk car insurance policy?
• Does coverage extend to a rental car in a foreign country?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverage basics

Knowing the specifics of car insurance can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision protection

Collision coverage covers damage to your Golf caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a building, sustaining damage from a pot hole, colliding with another moving vehicle, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive insurance

This covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hitting a bird and fire damage. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for expenses such as chiropractic care, funeral costs and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Volkswagen Golf.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability car insurance

This protects you from damages or injuries you inflict on other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as court costs, attorney fees and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.