1997 Volkswagen Golf Insurance Quotes – 10 Tricks for Best Rates

Want the cheapest insurance rates for your Volkswagen Golf? Trying to find the cheapest insurance for a Volkswagen Golf can turn out to be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to buy insurance and you need to know the proper way to price shop coverage for a new or used Volkswagen and get the lowest possible price either online or from local insurance agents.

It’s a great practice to price shop coverage once or twice a year because prices are variable and change quite frequently. Just because you found the best deal on Golf insurance six months ago a different company probably has better rates today. Ignore everything you know about insurance because we’re going to demonstrate the proper way to find the best coverage while lowering your premiums.

Buying the lowest cost protection can be fairly easy. If you have a current insurance policy or are shopping for new coverage, you can follow these tips to find the best rates and possibly find even better coverage. Drivers only need to know how to compare prices online.

The method we recommend to compare policy rates is to take advantage of the fact most larger insurance companies provide online access to quote your coverage. The only thing you need to do is give them some information including coverage limits, your general credit rating, if you require a SR-22, and if you went to college. Your information is instantly provided to insurance companies and you will receive price estimates very quickly.

Cheap car insurance rates with discounts

Some providers do not advertise all available discounts in an easy-to-find place, so below is a list both the well known as well as the least known discounts that may be available.

  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it will make them better drivers and lower rates.
  • Save over 55 – If you’re over the age of 55, you may receive a small decrease in premiums on Golf insurance.
  • Early Signing – Select companies give a discount for signing up before your current coverage expires. This discount can save up to 10%.
  • Safety Restraint Discount – Requiring all passengers to buckle their seat belts can save up to 15% off the medical payments premium.
  • Auto/Home Discount – If you can bundle your homeowners and auto insurance with the same company you will save up to 20% and get you cheaper insurance coverage.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can get savings up to 30%.
  • Distant Student Discount – Children who are attending college and do not have a car may be able to be covered for less.
  • More Vehicles More Savings – Buying a policy with all your vehicles on one policy qualifies for this discount.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Volkswagen can earn slightly better prices than normal.
  • Good Grades Discount – Excelling in school can save 20 to 25%. The discount lasts until age 25.

One thing to note about discounts is that most discounts do not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. Despite the appearance that it’s possible to get free car insurance, car insurance companies aren’t that generous.

A list of companies and their offered discounts are outlined below.

  • State Farm policyholders can earn discounts including passive restraint, multiple autos, accident-free, good student, driver’s education, and student away at school.
  • Progressive may include discounts for homeowner, online signing, multi-vehicle, continuous coverage, multi-policy, and good student.
  • Progressive offers discounts for online quote discount, continuous coverage, online signing, multi-policy, and good student.
  • MetLife may offer discounts for claim-free, defensive driver, multi-policy, good student, and good driver.
  • Farm Bureau offers premium reductions for 55 and retired, renewal discount, youthful driver, multi-policy, and multi-vehicle.
  • Geico offers discounts including good student, defensive driver, five-year accident-free, military active duty, and anti-theft.
  • SAFECO has savings for teen safe driver, safe driver, anti-theft, multi-car, and bundle discounts.

Before purchasing a policy, check with each insurance company to apply every possible discount. Discounts might not apply in your state. To find insurance companies offering car insurance discounts, click here to view.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage, there isn’t really a one size fits all plan. Every situation is different.

For instance, these questions might point out whether or not you would benefit from an agent’s advice.

  • How much underlying liability do I need for an umbrella policy?
  • Is rental equipment covered for theft or damage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my 1997 Volkswagen Golf qualify for pleasure use?
  • Should I put collision coverage on all my vehicles?
  • Should I carry comprehensive and collision coverage?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Are you falling for claims of savings?

Consumers get pounded daily by advertisements for cheaper insurance coverage by Allstate and Progressive. All the companies tend to make the same promise that people will save if you change to them.

But how can every company make the same claim? This is the way they can do it.

Insurance providers have specific guidelines for the type of customer that makes them money. One example of a driver they prefer might have to be between the ages of 40 and 55, has other policies, and drives less than 5,000 miles a year. A customer getting a price quote who matches that profile receive the lowest rate quotes as well as save when they switch companies.

Insureds who may not quite match the “perfect” profile may be required to pay higher rates which translates to the customer not purchasing. If you listen closely, the ads state “customers that switch” not “everyone that quotes” save that much money. That is how companies can lure you into getting a quote.

Because every company is different, drivers should compare rate quotes every year. Because you cannot predict which insurance coverage company will give you the biggest savings.

Detailed coverages of your insurance policy

Learning about specific coverages of insurance 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.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your 1997 Volkswagen Golf.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills such as nursing services, hospital visits, dental work and surgery. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Auto liability insurance

Liability coverage protects you from damage that occurs to a person or their property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as medical services, bail bonds, repair costs for stationary objects, pain and suffering and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hitting a bird, a broken windshield, theft and vandalism. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto collision coverage

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a parking meter, scraping a guard rail, backing into a parked car and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

A penny earned…

When you buy insurance coverage online, do not reduce needed coverages to save money. Too many times, someone sacrificed comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your goal should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

More affordable car insurance can be purchased on the web in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get a quote online and these smaller companies provide coverage only through independent insurance agents.

Insureds switch companies for a variety of reasons including high rates after DUI convictions, being labeled a high risk driver, policy non-renewal and high prices. Regardless of your reason, choosing a new company can be pretty painless.

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