Save on 2014 Volkswagen Golf Car Insurance Rates

Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance coverage policy? Believe me, you’re not alone. Because there are so many choices of insurance companies, it’s difficult to choose the cheapest car insurance company.

Finding affordable coverage is simple if you know the tricks. If you have a current insurance coverage policy or are just looking to switch companies, you can learn to cut your premiums and possibly find even better coverage. Drivers only need to know how to compare price quotes online.

Comprehensive Car Insurance Comparison

Finding a lower price on 2014 Volkswagen Golf insurance is not a difficult process. Drivers just need to invest a little time to compare quotes from different insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  • The most efficient way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This method keeps you from doing separate quotation requests for every car insurance company. Completing one form will return price quotes from several companies.
  • A more time consuming way to analyze rates consists of visiting each company’s website and fill out their own quote form. For sake of this example, let’s say you want comparison quotes from Allstate, State Farm and Progressive. To find out each rate you need to visit each site and enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just compare exactly the same deductibles and coverage limits on every quote you get. If each company quotes higher or lower deductibles it’s not possible to find the best deal for your Volkswagen Golf.

Why your Volkswagen Golf insurance rates may be high

An important part of buying insurance is that you know the factors that come into play when calculating car insurance rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Never go without insurance – Driving your car without having proper coverage is a misdemeanor and car insurance companies will penalize you for letting your coverage have a gap. Not only will you pay more, failure to provide proof of insurance can result in a revoked license or a big fine.
  • Occupation reflects on rates – Did you know your occupation can influence how much you pay for car insurance? Occupations like real estate brokers, social workers and financial analysts tend to have higher average rates in part from job stress and long work days. Conversely, occupations like actors, engineers and homemakers receive lower rates for Golf insurance.
  • Being married can save on car insurance – Having a spouse actually saves money on car insurance. Having a spouse is viewed as being more mature and statistics show being married results in fewer claims.
  • Lower rates with optional equipment – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
  • Where you live is a factor – Residing in small towns and rural areas can be a good thing when insuring your vehicles. City drivers have to deal with much more traffic and longer commute times. Lower population means fewer accidents and a lower car theft rate.
  • Lower rates come with age – Older insureds tend to be more responsible, statistically cause fewer accidents and are safer drivers. Youthful drivers have a tendency to be more careless when behind the wheel therefore car insurance rates are much higher.
  • How credit affects car insurance rates – A driver’s credit score is a big factor in calculating your car insurance rates. Drivers with good credit tend to file fewer claims and have better driving records than those with lower credit scores. Therefore, if your credit score is low, you could save money insuring your 2014 Volkswagen Golf by repairing your credit.
  • Higher deductibles cost less – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Volkswagen. Some instances where coverage would apply would be running into the backend of another car, damage from fire, and burglary. The deductibles are how much you are required to spend if you file a covered claim. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance for Golf insurance.

Discounts mean cheaper Volkswagen Golf insurance rates

Car insurance is not cheap, but there are discounts available to cut the cost considerably. Some trigger automatically when you complete an application, but a few need to be inquired about in order for you to get them. If you’re not getting every credit available, you are throwing money away.

  • Claim Free – Drivers with accident-free driving histories can earn big discounts when compared with frequent claim filers.
  • Good Student – Getting good grades can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Defensive Driving Course – Completing a course in driver safety can save you 5% or more depending on where you live.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy could earn a price break for each car.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.
  • No Charge for an Accident – A few companies permit an accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • New Car Discount – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less for Golf insurance than less cautious drivers.

Drivers should understand that many deductions do not apply the the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way. But any discount will help reduce the cost of coverage.

To see a list of companies who offer car insurance discounts, click this link.

Tailor your coverage to you

When buying coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions can help discover whether your personal situation might need professional guidance.

  • Do I need special endorsements for business use of my vehicle?
  • Am I better off with higher deductibles on my 2014 Volkswagen Golf?
  • Do I pay less if my vehicle is kept in my garage?
  • Does car insurance cover theft of personal property?
  • Does my 2014 Volkswagen Golf qualify for pleasure use?
  • Where can I get insurance after a DUI in my state?
  • Are rental cars covered under my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I have combined single limit or split liability limits?

If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area. It is quick, free and you can get the answers you need.

Learn about insurance coverages for a Volkswagen Golf

Knowing the specifics of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average insurance policy.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Volkswagen Golf.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, a broken windshield, fire damage, damage from a tornado or hurricane and hail damage. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage protection

This covers damage to your Golf from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a ditch, scraping a guard rail, backing into a parked car, driving through your garage door and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like prosthetic devices, nursing services, hospital visits and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Liability

This coverage will cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is 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 claims such as bail bonds, attorney fees, repair costs for stationary objects, emergency aid and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Be Smart and Buy Smart

When buying insurance coverage, never reduce coverage to reduce premium. Too many times, drivers have reduced liability limits or collision coverage and discovered at claim time that the savings was not a smart move. Your focus should be to get the best coverage possible for the lowest price.

Cost effective 2014 Volkswagen Golf insurance can be found both online and with local insurance agents, and you should compare price quotes from both to have the best rate selection. A few companies do not offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

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