Cheap 1994 Volkswagen Golf Car Insurance Rates

Trying to find the cheapest insurance rates for your Volkswagen Golf? Searching for the cheapest insurance for a new or used Volkswagen Golf could be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to buy insurance so we’re going to tell you the proper way to price shop coverage on a Volkswagen and locate the best price possible.

Finding the best rates is easy if you know what you’re doing. If you have a current insurance coverage policy or are shopping for new coverage, you can learn to find the best rates while maximizing coverage. Drivers just need to learn the most effective way to compare rates online.

Insurance companies offer many types of discounts

Some insurers don’t always advertise the entire discount list in an easy-to-find place, so the below list has both well-publicized in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online.

  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in school.
  • Multiple Vehicles – Buying a policy with multiple cars with the same company can reduce the rates for all insured vehicles.
  • Discount for Low Mileage – Fewer annual miles on your Volkswagen could earn cheaper premium rates.
  • Student in College – Youth drivers living away from home attending college and do not take a car to college may qualify for this discount.
  • Responsible Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Golf coverage as compared to drivers with claims.
  • Own a Home – Simply owning a home can help you save on insurance because it shows financial diligence.

You can save money using discounts, but most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, nobody gets a free ride.

A list of insurance companies and their possible discounts can be read below.

  • Travelers discounts include IntelliDrive, student away at school, continuous insurance, multi-car, and driver training.
  • 21st Century offers discounts for early bird, homeowners, automatic seat belts, theft prevention, student driver, and defensive driver.
  • State Farm has savings for multiple policy, anti-theft, good student, accident-free, passive restraint, Steer Clear safe driver discount, and defensive driving training.
  • Geico offers discounts including defensive driver, anti-lock brakes, good student, air bags, anti-theft, and multi-policy.
  • SAFECO may offer discounts for teen safe driver, accident prevention training, anti-theft, safe driver, drive less, and anti-lock brakes.
  • AAA has discounts for AAA membership discount, education and occupation, pay-in-full, good student, and good driver.

Before you buy a policy, ask every company to apply every possible discount. All car insurance discounts may not be offered in your area.

Finding insurance coverage

Getting a low cost price on 1994 Volkswagen Golf insurance isn’t really that difficult. All that’s required is to take the time to compare free auto insurance quotes provided by online insurance companies. Rate comparisons can be done using a couple different methods.

  1. The first (and easiest) way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This type of form prevents you from having to do separate quotation requests to each individual insurance coverage company. One quote request gets coverage cost estimates from several companies. This is perfect if you don’t have a lot of time.
  2. A harder way to analyze rates is spending the time to visit each company website and get a separate price quote. For sake of this example, let’s assume you want to compare prices for Geico, Farmers and Liberty Mutual. To find out each rate you need to visit each site to enter your coverage information, which can take a lot of time.

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

  3. The least efficient method to get rate quotes is to drive around to and from local insurance agencies. Buying insurance online eliminates the middleman unless your situation requires the trained guidance that only an agent can give. Drivers can get prices online and have a local agent actually service the policy.

However you get your quotes, ensure you are comparing apples-to-apples coverages and limits on every quote you get. If you enter different data you will not be able to determine which company has the best rates.

Why your insurance rates might be higher

Consumers need to have an understanding of the factors that help calculate your insurance coverage rates. If you have some idea of what influences your rates, this empowers consumers to make smart changes that can help you get lower insurance coverage prices. Multiple criteria are considered when premium rates are determined. Some of the criteria are obvious such as your driving history, but other factors are more transparent like your continuous coverage and annual miles driven.

  • Big city or small town – Being located in smaller towns and rural areas of the country has definite advantages when insuring your vehicles. City drivers tend to have traffic congestion and higher rates of accident claims. Less people living in that area means less chance of accidents in addition to lower liability claims
  • Liability protection safeguards assets – Liability insurance kicks in in the event that you are ruled to be at fault for physical damage or personal injury to other. Your liability coverage provides legal defense which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Insurance prices and driver gender – Statistics demonstrate that females take fewer risks when driving. Now that doesn’t mean women are better drivers. Men and women have at-fault accidents in similar numbers, but males get into accidents with more damage. In addition to higher claims, males also receive more major tickets like DUI and reckless driving.
  • Responsible credit means lower prices – Having a bad credit rating is likely to be a major factor in determining your rates. If your credit can use some improvement, you could pay less to insure your 1994 Volkswagen Golf if you improve your credit rating. Drivers who have good credit tend to file fewer claims and have better driving records than drivers who have lower credit ratings.
  • Age of drivers – Older drivers have been proven to be more responsible, tend to file fewer claims .Beginning drivers are statistically shown to be less responsible with other occupants in the car and because of this, their insurance coverage rates are much higher.

Do I just need basic coverages?

When buying proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

These are some specific questions could help you determine whether or not you would benefit from professional advice.

  • Will I lose any money if I cancel my policy before it expires?
  • Should I buy full coverage?
  • How does medical payments coverage work?
  • Are rental cars covered under my policy?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What vehicles should carry emergency assistance coverage?
  • Does my 1994 Volkswagen Golf qualify for pleasure use?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Is there deception in advertising?

Consumers can’t get away from all the ads that claim the cheapest premium rates by companies like State Farm, Geico and Progressive. All the ads say the same thing of big savings just by switching your policy.

That’s great but how can every company charge you less for car insurance? Just pay attention to how they say it.

All the different companies have a preferred profile for the type of customer that earns them the most money. A good example of a driver they prefer may be a mature driver, insures multiple vehicles, and insures a new vehicle. Any person that fits those parameters is entitled to the best price and most likely will save if they switch.

Insureds who do not meet this ideal profile will see higher prices and this results in the customer buying from a different company. If you listen to the ad wording, they say “people who switch” not “everybody who quotes” save the amount stated. This is how companies can truthfully make those claims. Because each company has a different risk profile, you absolutely need to do a quote comparison often. It is impossible to predict with any certainty which company will have the lowest rates for your situation.

Car insurance coverages 101

Having a good grasp of car insurance can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your 1994 Volkswagen Golf.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Collision insurance

Collision insurance covers damage to your Golf from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sideswiping another vehicle, hitting a mailbox, crashing into a building, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Liability coverages

Liability coverage provides protection from damage that occurs to other people or property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for claims like emergency aid, medical services and court costs. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Medical costs insurance

Med pay and PIP coverage reimburse you for immediate expenses like surgery, pain medications, hospital visits, X-ray expenses and prosthetic devices. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as rock chips in glass, vandalism, damage from a tornado or hurricane, a tree branch falling on your vehicle and hail damage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Feed the piggy bank

People who switch companies do it for any number of reasons including lack of trust in their agent, high prices, denial of a claim and delays in responding to claim requests. Regardless of your reason for switching companies, finding a new company can be pretty painless.

The cheapest 1994 Volkswagen Golf insurance is available from both online companies in addition to local insurance agencies, so you need to quote auto insurance with both to have the best rate selection. A few companies may not offer online quoting and usually these small, regional companies provide coverage only through independent insurance agents.

In this article, we presented a lot of ways to get a better price on 1994 Volkswagen Golf insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from some of the lesser-known companies.

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