2001 Volkswagen Golf Insurance Quotes – 10 Ideas for Best Rates

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.

Free insurance quotes

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.

Auto insurance companies offer many types of discounts

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.

  • Save over 55 – Older drivers may receive better auto insurance rates for Golf coverage.
  • E-sign – A few larger online companies give back up to $50 simply for signing on your computer.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Bundle and Save – If you can bundle your auto and home insurance with the same insurance company you could save at least 10 to 15 percent or more.
  • Renewal Discounts – Some companies reward drivers for buying a policy prior to your current policy expiration. It could save around 10% when you buy auto insurance online.
  • Telematics Data – Policyholders that allow driving data submission to spy on where and when they drive by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they have good driving habits.
  • Driver Safety – Successfully completing a defensive driving course could cut 5% off your bill if your company offers it.
  • Save with More Vehicles Insured – Buying coverage for multiple cars with the same company can get a discount on all vehicles.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you can avoid monthly service charges.
  • Low Mileage Discounts – Low mileage vehicles may allow you to get discounted auto insurancerates on garaged vehicles.

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.

  • Progressive includes discounts for continuous coverage, online signing, multi-vehicle, online quote discount, multi-policy, good student, and homeowner.
  • MetLife discounts include claim-free, good student, good driver, multi-policy, and accident-free.
  • Mercury Insurance offers discounts including location of vehicle, age of vehicle, multi-policy, accident-free, and multi-car.
  • Nationwide may have discounts that include accident-free, easy pay, family plan, defensive driving, and business or organization.
  • Geico has discounts for emergency military deployment, daytime running lights, membership and employees, five-year accident-free, multi-vehicle, and military active duty.
  • AAA has savings for multi-policy, AAA membership discount, pay-in-full, good driver, good student, anti-theft, and education and occupation.

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.

Do I just need basic coverages?

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.

  • Where can I get insurance after a DUI in my state?
  • When does my teenage driver need to be added to my policy?
  • Does liability extend to a camper or trailer?
  • Does coverage extend to a rental car in a foreign country?
  • If I drive on a suspended license am I covered?
  • Is extra glass coverage worth it?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my nanny covered when driving my vehicle?
  • What is no-fault insurance?
  • Should I drop comprehensive coverage on older vehicles?

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.

Parts of your auto insurance policy

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.