Compare 1991 Volkswagen Golf Car Insurance Rates

Trying to find better car insurance rates for your Volkswagen Golf? Scraping up a payment for pricey Volkswagen Golf insurance can empty your family’s budget and possibly require postponing other expenditures. Doing a price comparison is a fast and free way to reduce premiums and put more money in your pocket.

People have so many insurance companies to pick from, and although it’s nice to have multiple companies, it makes it harder to find the best rates.

Smart consumers take time to price shop coverage before your policy renews because insurance prices are rarely the same from one policy term to another. Just because you had the lowest quotes on Golf coverage a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because we’re going to show you the tricks you need to know to properly buy coverages and cut your premium.

Smart buyers save on insurance

Consumers need to have an understanding of some of the factors that come into play when calculating the level of your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this empowers consumers to make smart changes that could result in cheaper rates.

A good credit rating can save money – Your credit history is a big factor in determining premium rates. Drivers with excellent credit scores tend to be more responsible than drivers who have worse credit. So if your credit rating can be improved, you could save money insuring your 1991 Volkswagen Golf by improving your rating.
Raising deductibles saves money – Physical damage deductibles state the amount of money the insured will be required to pay before your auto insurance pays a claim. Physical damage insurance, also called comprehensive and collision insurance, protects your car from damage. Some instances where coverage would apply are rearending another vehicle, hail damage, or theft of your vehicle. The more of the claim you choose to pay out-of-pocket, the less your company will charge you for insurance on Golf coverage.
Don’t buy add-on coverages that may not be needed – There are many extra add-on coverages you can purchase if you aren’t diligent. Things like vanishing deductibles, accident forgiveness, and term life insurance may be wasting your money. The coverages may be enticing when you first buy your policy, but your money might be better spent on other coverage so eliminate them to save money.
Never let your auto insurance policy lapse – Letting your insurance expire is a guaranteed way to bump up your auto insurance costs. Not only will you pay more, the inability to provide proof of insurance may earn you fines and jail time. You may have to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
Qualify for multi-policy discounts – Most larger insurers allow discounts for people who buy several policies from them in the form of a multi-policy discount. This can amount to ten or even fifteen percent. Even with this discount, drivers will still want to compare other company rates to ensure the best deal.
Filing auto insurance claims can cost you more – Companies provide lower rates to people who only file infrequent claims. If you file claims often, you can look forward to either policy cancellation or increased premiums. Auto insurance is intended for the large, substantial claims.
Do you save by driving less? – The more you drive your Volkswagen each year the higher your rate. The majority of insurers calculate rates based upon how much you drive. Vehicles left parked in the garage receive better premium rates than those that get driven frequently. Having the wrong rating on your Golf is throwing money out the window. It’s always a good idea to double check that your auto insurance coverage is showing the correct usage for each vehicle.

Cheapest car insurance quotes

Finding low cost 1991 Volkswagen Golf car insurance rates can be quick and easy. The only requirement is to take a couple of minutes to compare free insurance quotes to find out which insurance company has low cost insurance quotes. Shoppers can get rates in just a few minutes using one of these methods.

The single most time-saving way to find low rates is an all-inclusive rate comparison click here to open form in new window. This form prevents you from having to do separate quotes for every car insurance company. A single form gets coverage cost estimates from multiple companies.

A more time consuming way to obtain and compare quotes online consists of going to the website for every company you want to comare and repeat the quote process again and again. For examples sake, let’s say you need rates from State Farm, Progressive and GMAC. To get rate quotes you would need to spend time on each company’s site to enter the same coverage data repeatedly, which is not fast way to get rate quotes.

For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, do your best to enter apples-to-apples quote data for every company. If you enter mixed coverages it’s impossible to determine which company has the best rates.

Does insurance coverage advertising bend the truth?

Consumers constantly see and hear ads that promise big savings for switching by companies like Allstate and Progressive. All the ads state the claim about savings if you change your coverage.

How can each company charge you a lower premium? You have to listen carefully.

Most companies quote their cheapest rates for the type of driver that earns them the highest profit. For example, a profitable insured might be between the ages of 30 and 50, owns their home, and drives less than 5,000 miles a year. A customer who matches that profile will get a cheap rate quote and most likely will save when switching.

Consumers who fall outside the “perfect” profile must pay higher prices and ends up with the customer not purchasing. The trick companies use is to say “customers who switch” not “everyone who quotes” save money. That’s the way companies can truthfully make the claims of big savings. Because every company is different, you really should do a rate comparison at every renewal. Because you never know with any certainty which company will fit you best based on your risk profile.

Get lower rates with these discounts

Some insurers do not advertise every policy discount very clearly, so the list below gives a summary of a few of the more well known as well as some of the hidden discounts you could be receiving when you buy insurance online.

Club Memberships – Belonging to certain professional organizations is a simple method to lower premiums on car insurance.
Defensive Driving Course – Participating in a course teaching safe driver skills could save 5% or more and easily pay for the cost of the class.
Distant College Student Discount – Older children who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may be able to be covered for less.
Early Switch Discount – Select companies give a discount for buying a new policy prior to your current policy expiration. You may see this discount when you get insurance quotes online.
Military Deployment Discount – Having an actively deployed family member may lower your rates slightly.
Multi-Vehicle Discounts – Buying a policy with several vehicles on one policy can reduce the rates for all insured vehicles.

Please keep in mind that some credits don’t apply the the whole policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, it’s just not the way it works.

A list of car insurance companies and the discounts they provide are shown below.

Farm Bureau may offer discounts for multi-policy, driver training, good student, renewal discount, youthful driver, 55 and retired, and safe driver.
MetLife offers discounts for accident-free, defensive driver, good student, claim-free, and good driver.
Progressive has discounts for multi-vehicle, multi-policy, online signing, continuous coverage, homeowner, and online quote discount.
AAA has savings for good driver, AAA membership discount, good student, education and occupation, and anti-theft.
American Family policyholders can earn discounts including bundled insurance, good driver, good student, accident-free, TimeAway discount, and early bird.
Geico offers discounts including membership and employees, multi-vehicle, military active duty, federal employee, and driver training.
State Farm discounts include Drive Safe & Save, defensive driving training, driver’s education, good driver, passive restraint, student away at school, and anti-theft.

If you need affordable insurance quotes, ask all the companies to apply every possible discount. A few discounts might not be offered on policies in your area.

Car insurance can be complex

When it comes to choosing proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Each situation is unique so your insurance should reflect that These are some specific questions might help in determining whether you could use an agent’s help.

Why does it cost so much to insure a teen driver?
What is the difference between comprehensive and collision coverage?
Is my 1991 Volkswagen Golf covered for smoke damage?
Is my camper covered by my car insurance policy?
Am I covered if hit by an uninsured driver?
Should I file a claim if it’s only slightly more than my deductible?
Do I need PIP (personal injury protection) coverage in my state?
Can I rent a car in Mexico?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

The coverage is in the details

Knowing the specifics of a auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages found on most auto insurance policies.

Collision coverage protection

This pays for damage to your Golf caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like sideswiping another vehicle, damaging your car on a curb, scraping a guard rail and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, rock chips in glass, hail damage, damage from getting keyed and a broken windshield. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability

This will cover damages or injuries you inflict on other people or property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like bail bonds, repair costs for stationary objects, funeral expenses, pain and suffering and structural damage. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your 1991 Volkswagen Golf.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like funeral costs, prosthetic devices, rehabilitation expenses and chiropractic care. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Make an honest buck

In this article, we covered some good ideas how to get a better price on 1991 Volkswagen Golf insurance. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced insurance comes from a small mutual company. They may have significantly lower premium rates on certain market segments than their larger competitors like Allstate, Geico and Progressive.

Lower-priced 1991 Volkswagen Golf insurance is available from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies don’t offer online rate quotes and many times these regional carriers sell through independent agents.