2000 Volkswagen Golf Insurance Quotes – 6 Policy Discounts

Looking for the cheapest insurance rates for your Volkswagen Golf? Finding the cheapest insurance for a Volkswagen Golf could be difficult, but you can learn the following methods to find lower rates.

There are both good and bad ways to buy insurance and we’ll show you the best way to price shop coverage on a Volkswagen and get the cheapest rates either online or from local insurance agents.

The fastest way that we advise to compare rate quotes utilizes the fact almost all companies pay for the opportunity to give you rate quotes. The one thing you need to do is give the companies some data including whether you are married, how much school you completed, what your job is, and which vehicles you own. The data is then sent to many highly-rated insurers and you will get price comparisons quickly.

Earn discounts on insurance

Some insurance providers don’t list all possible discounts very clearly, so the list below contains both well-publicized and the more hidden credits available to bring down your rates.

  • Good Student – A discount for being a good student could provide a savings of up to 20% or more. The discount lasts well after school through age 25.
  • Save with More Vehicles Insured – Drivers who insure multiple cars on a single policy may reduce the rate for each vehicle.
  • ABS Braking Discount – Cars and trucks that have anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Theft Prevention System – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Discount for Passive Restraints – Vehicles equipped with air bags can get savings of 20 to 30 percent.
  • Save with a New Car – Buying a new car model is cheaper since newer vehicles have better safety ratings.

Drivers should understand that many deductions do not apply to the overall cost of the policy. Most only cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way. But all discounts should help lower the amount you have to pay.

To choose insurers that offer many of these discounts, follow this link.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining whether or not you might need an agent’s assistance.

  • Do I need replacement cost coverage on my 2000 Volkswagen Golf?
  • Is my ex-spouse still covered by my policy?
  • What if I don’t agree with a claim settlement offer?
  • How high should deductibles be on a 2000 Volkswagen Golf?
  • Should I put collision coverage on all my vehicles?
  • At what point should I drop full coverage?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Car insurance buyers beware

Consumers can’t get away from all the ads that promise big savings for switching from companies such as Allstate, Geico and Progressive. They all seem to make the same claim about how much you will save if you get a free car insurance quote and switch your policy.

How does each company offer drivers better rates? This is the way they can do it.

Companies quote the lowest rates for the type of driver that will add to their bottom line. For example, this type of insured might be described as over the age of 50, has few claims, and has a high credit rating. A propective insured who fits that profile will get a cheap rate quote and most likely will save when switching.

People who are not a match for this stringent profile may be forced to pay more expensive rates with the end result being business going elsewhere. The trick is to say “customers that switch” not “everyone who quotes” can save as much as they claim. That’s why companies can make claims that they all have the best premium rates.

That is why you really should get car insurance quotes as often as possible. It’s just too difficult to predict with any certainty which company will give you the biggest savings.

Insurance policy specifics

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like backing into a parked car, crashing into a ditch, crashing into a building, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, theft and damage from flooding. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – This provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Auto liability insurance – Liability coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as repair bills for other people’s vehicles, legal defense fees, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like pain medications, ambulance fees, EMT expenses, hospital visits and chiropractic care. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Stretch your dollar

We just covered some good ideas how you can lower your 2000 Volkswagen Golf insurance prices. The key thing to remember is the more price quotes you have, the better your comparison will be. Drivers may discover the biggest savings come from some of the smallest insurance companies.

As you shop your coverage around, you should never reduce coverage to reduce premium. There are many occasions where someone sacrificed collision coverage only to find out they didn’t purchase enough coverage. The aim is to purchase a proper amount of coverage at the best possible price.

Consumers who switch companies do it for any number of reasons including not issuing a premium refund, an unsatisfactory settlement offer, policy non-renewal and even unfair underwriting practices. Regardless of your reason, finding the right insurance coverage provider is pretty simple and you could end up saving a buck or two.

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