Did you make the mistake of buying an expensive insurance policy? Believe me, many consumers are in the same pinch. Companies like Geico, Progressive and Allstate promote their brand names with catchy ads and it can be hard to separate fact from fiction and effectively compare rates to find the best deal.
It’s a good habit to get comparison quotes quite often since rates are usually higher with each renewal. Just because you found the best deal for Golf coverage last year you will most likely find a better price today. Forget all the misinformation about insurance because we’re going to show you the best methods to lower your annual insurance bill.
Getting cheap 2001 Volkswagen Golf insurance pricing is not rocket science. The only thing you need to do is spend a few minutes comparing rates to find out which insurance company has cheap auto insurance quotes. You can get a good selection of rate quotes in just a few minutes using one of these methods.
The best way to get quotes would be an industry-wide quote request form click to view form in new window. This easy form eliminates the need for separate forms for every company. One form submission gets rate comparisons direct from many companies.
A more difficult way to get comparison quotes requires visiting the website for each individual company to complete a price quote. For examples sake, let’s say you want to get rates from State Farm, Farmers and Allstate. To get rate quotes you would need to navigate to each company’s site and punch in your information repeatedly, and that’s why the first method is more popular.
To view a list of companies in your area, click here.
The hardest way to price shop rates is actually driving to insurance agents’ offices. The ability to buy insurance online eliminates this option unless your situation requires the advice and guidance that you can only get from talking to an agent. Although, it is possible price shop online but buy the policy through an agent.
Whichever method you choose, compare nearly identical coverages with each company. If your comparisons have different liability limits it will be impossible to make an equal comparison.
Some providers don’t always publicize every possible discount very clearly, so the list below gives a summary of a few of the more common and also the lesser-known credits available to bring down your rates.
Drivers should understand that some of the credits will not apply the the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though you would think you could get a free auto insurance policy, insurance companies wouldn’t stay in business.
Larger auto insurance companies and a selection of discounts are shown below.
Before buying, ask every company what discounts are available to you. Depending on the company, some discounts may not be available in your area. To locate insurers that offer some of these discounts, click here.
When it comes to choosing coverage, there really is no single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that might help in determining whether you would benefit from professional advice.
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
Having a good grasp of a auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages found on most auto insurance policies.
Coverage for liability
This coverage can cover damage that occurs to other people or property that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage protects against claims like structural damage, medical services, pain and suffering and loss of income. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.
Comprehensive (Other than Collision)
Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from getting keyed, theft, rock chips in glass and hitting a bird. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like funeral costs, nursing services, doctor visits, pain medications and dental work. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Volkswagen Golf.
Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.
Collision insurance
This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like scraping a guard rail, backing into a parked car, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.