Want lower car insurance rates for your Volkswagen Golf? Did a good deal turn into high-priced car insurance? Say no more because there are many people just like you.
Companies like Geico, Progressive and Allstate all promote huge savings with ads and it can be hard to avoid their marketing magic and do the work needed to find the best deal.
Consumers need to check car insurance prices before your policy renews since prices fluctuate regularly. Even if you think you had the best rates for Golf coverage two years ago there may be better deals available now. You’ll find quite a bit of inaccurate information about car insurance out there, but I’m going to show you some of the best techniques to lower your car insurance bill.
Car insurance can cost a lot, but there are discounts available that can drop the cost substantially. Larger premium reductions will be automatically applied when you get a quote, but lesser-known reductions have to be inquired about before you will receive the discount.
As a sidenote, most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you could get a free insurance policy, it’s just not the way it works.
Some of the larger companies that may have most of the discounts above possibly include:
Before purchasing a policy, check with every company which discounts can lower your rates. A few discounts might not be offered on policies in your state. To choose insurance companies with discount rates, follow this link.
When comparison shopping, there are several ways to get quotes from lots of auto insurance companies. The easiest way by far to find competitive 1999 Volkswagen Golf insurance rates is to perform an online rate comparison. This can be accomplished using a couple different methods.
If you’re in a hurry, the quickest way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This quick form keeps you from doing separate forms for every prospective company. Taking the time to complete one form gets prices estimates from multiple companies.
A slightly less efficient method to compare rate quotes requires visiting each company website and request a quote. For sake of this example, let’s say you want to get rates from State Farm, Liberty Mutual and American Family. To find out each rate you need to take the time to go to each site to input your insurance information, which is why the first method is quicker.
For a list of links to companies insuring cars in your area, click here.
The last method to get price estimates is to waste gas driving to and from local insurance agencies. Comparing rate quotes online has reduced the need for local agents unless you require the professional assistance of an agent trained in personal lines coverage. However, consumers can compare the best prices online but have your policy serviced through an agent.
It’s up to you how you get prices quotes, just make darn sure you compare the exact same coverage information with every price quote. If your comparisons have unequal deductibles or liability limits it will be nearly impossible to make a fair comparison for your Volkswagen Golf. Having just a slight variation in insurance coverages or limits may cause a big price difference. And when comparing auto insurance rates, know that comparing more rates from different companies provides better odds of finding lower pricing.
When it comes to choosing adequate 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 might help in determining if your situation might need professional guidance.
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.
Knowing the specifics of auto insurance helps when choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages available from auto insurance companies.
Liability insurance
This can cover injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.
Liability coverage pays for things such as medical services, legal defense fees, bail bonds, funeral expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance kick in for bills like rehabilitation expenses, surgery, prosthetic devices and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible
Collision coverage protection
Collision insurance covers damage to your Golf caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against claims like crashing into a building, damaging your car on a curb, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to bring the cost down.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your 1999 Volkswagen Golf.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.
Comprehensive insurance
This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as hitting a deer, fire damage, falling objects, a broken windshield and a tree branch falling on your vehicle. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
You just read some good ideas how to get a better price on 1999 Volkswagen Golf insurance. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may even find the lowest prices come from the least-expected company. Some small companies often have lower rates on specific markets than their larger competitors like State Farm, Geico and Nationwide.
More affordable insurance coverage is possible online in addition to local insurance agencies, so get free insurance coverage quotes from both of them in order to have the best price selection to choose from. Some companies do not provide rates over the internet and many times these regional carriers only sell coverage through independent insurance agents.
When getting insurance coverage quotes online, it’s very important that you do not buy poor coverage just to save money. There are many occasions where an accident victim reduced liability coverage limits and found out when filing a claim that the savings was not a smart move. Your aim should be to purchase plenty of coverage at the best price while not skimping on critical coverages.
Much more information about insurance coverage is available at these links: