Lower Your 2015 Volkswagen Golf Insurance Rates

Trying to find lower insurance rates for your Volkswagen Golf? Have you fallen victim to high-priced insurance? Believe me when I say there are lots of people in the same boat.

Numerous insurers battle for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the best rate

Don’t miss out on these money-saving discounts

Car insurance companies don’t always publicize all available discounts in a way that’s easy to find, so here is a list some of the more common and also the lesser-known discounts you could be receiving.

  • Seat Belts Save – Drivers who require all occupants to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Defensive Driver – Successfully completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Military Rewards – Being on active duty in the military could be rewarded with lower premiums.
  • Senior Citizens – Older drivers may receive a small decrease in premiums for Golf coverage.
  • Low Mileage – Keeping the miles down on your Volkswagen could be rewarded with lower rates on the low mileage vehicles.
  • Student in College – Youth drivers who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount for Golf coverage with a few insurance coverage companies.
  • Homeowners Savings – Simply owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Club Memberships – Being a member of a professional or civic organization could qualify you for a break when shopping for insurance coverage for Golf coverage.

Keep in mind that most credits do not apply to all coverage premiums. Most cut individual premiums such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way.

To see a list of providers with discount insurance coverage rates, follow this link.

Do I need special coverages?

When choosing the best auto insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions may help highlight if your situation may require specific advice.

  • What if I total my 2015 Volkswagen Golf and owe more than it’s worth?
  • Why do I only qualify for high-risk insurance?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I have coverage when using my vehicle for my home business?
  • Exactly who is provided coverage by my policy?
  • Should I have a commercial auto policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Does my liability insurance cover pulling a trailer or camper?
  • Will filing a claim cost me more?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Insurance myths debunked

Insurance companies such as Allstate, Geico and Progressive continually stream ads in print and on television. They all seem to say the same thing about savings after switching your policy. How does each company make the same claim? It’s all in the numbers.

Insurance companies can use profiling for the type of customer that is profitable for them. A good example of a profitable customer might be profiled as a mature driver, has no prior claims, and has great credit. A customer getting a price quote who fits that profile is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Drivers who are not a match for this ideal profile will be charged more money which usually ends up with the customer not buying. The ads state “people who switch” not “people who quote” save that kind of money. That’s the way insurance companies can make those claims. That is why you need to quote coverage with many companies. Because you never know the company that will fit your personal profile best.

The coverage is in the details

Having a good grasp of car insurance can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most car insurance policies.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2015 Volkswagen Golf.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Liability insurance – This coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t 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. As an example, you may have values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as pain and suffering, repair costs for stationary objects, loss of income, court costs and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, colliding with a tree, hitting a mailbox, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as vandalism, hitting a bird, a broken windshield and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like nursing services, rehabilitation expenses, funeral costs, X-ray expenses and ambulance fees. They are often utilized in addition to your 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 in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

And the best car insurance company is…

We covered some good ideas how to lower your 2015 Volkswagen Golf insurance rates. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from the least-expected company. They can often provide lower rates in certain areas compared to the large companies like Allstate or State Farm.

Cost effective insurance can be sourced on the web in addition to many insurance agents, and you need to price shop both to have the best rate selection. A few companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

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