2013 Volkswagen Golf Car Insurance Cost – 9 Discounts for Best Prices

Looking for better insurance coverage rates for your Volkswagen Golf? Getting more affordable insurance coverage is somewhat difficult for drivers who are new to comparing and buying insurance coverage on the internet. With such a large number of agents and companies in the marketplace, how are drivers expected to effectively compare every insurance coverage company to find the best available price?

This article will introduce you to how to get online quotes and some money-saving tips. If you currently have car insurance, you will be able to lower your premiums substantially using this information. Although consumers must comprehend how companies market insurance on the web and apply this information to your search.

Compare insurance coverage rates

There are a variety of methods to compare insurance coverage prices but some are more efficient than others. You could spend your day driving to agents in your area, or you could save time and use the internet to achieve your goal.

Most car insurance companies enroll in a system where insurance shoppers send in one quote, and at least one company then gives them pricing for coverage. This prevents consumers from doing form submissions for each company.

To submit your quote information now, click here to start a free quote.

The only drawback to doing it this way is you are unable to specify which companies you want pricing from. If you would rather choose specific insurance companies to compare, we put together a list of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just do your best to enter equivalent quote information for every company. If your comparisons have higher or lower deductibles you will not be able to make a fair comparison for your Volkswagen Golf. Just a small difference in limits may result in large price differences. Keep in mind that making a lot of price comparisons helps locate lower pricing. Not every company provides rate quotes online, so it’s important to compare price estimates from the smaller companies as well.

Take these nine policy discounts and save

Insurance can be pricey, but there could be significant discounts that can help lower your rates. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be requested specifically prior to receiving the credit.

  • Government Employee Discount – Simply working for the federal government may qualify for a discount when you quote auto insurance for Golf coverage depending on your company.
  • Accident Forgiveness – This one isn’t a discount, but certain companies may permit one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower rates.
  • Home Ownership Discount – Just owning your own home may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Low Mileage Discounts – Low mileage vehicles could earn slightly better rates than normal.
  • Safety Restraint Discount – Drivers who require all occupants to buckle their seat belts can save a little on medical payment and PIP coverage.
  • Sign Early and Save – A few larger companies offer discounts for signing up prior to your current policy expiring. You could save around 10% when you buy auto insurance online.
  • Discount for Life Insurance – Larger companies have a discount if you purchase some life insurance too.
  • Savings for New Vehicles – Buying insurance coverage on a new vehicle can save up to 30% since newer vehicles have better safety ratings.

While discounts sound great, it’s important to understand that most discounts do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, that’s just not realistic.

A list of companies and a partial list of their discounts are outlined below.

  • Farm Bureau includes discounts for renewal discount, 55 and retired, driver training, youthful driver, multi-vehicle, and safe driver.
  • State Farm offers discounts including passive restraint, driver’s education, student away at school, good student, multiple policy, and multiple autos.
  • Progressive may have discounts that include good student, online signing, homeowner, online quote discount, continuous coverage, multi-policy, and multi-vehicle.
  • Allstate offers discounts for passive restraint, anti-lock brakes, early signing, auto/life discount, and farm vehicle.
  • Nationwide may include discounts for easy pay, accident-free, family plan, anti-theft, good student, and multi-policy.
  • MetLife may offer discounts for good student, defensive driver, good driver, accident-free, multi-policy, claim-free

If you are trying to find the cheapest auto insurance quotes, ask each insurance company the best way to save money. All car insurance discounts may not apply to policies in your state. If you would like to see a list of companies that offer many of these discounts, click this link.

Which policy gives me the best coverage?

When it comes to buying coverage, there is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if your insurance needs could use an agent’s help.

  • Do I have coverage if my license is suspended?
  • How high should deductibles be on a 2013 Volkswagen Golf?
  • How do I insure my teen driver?
  • Is extra glass coverage worth it?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I pay less if my vehicle is kept in my garage?
  • What if I total my 2013 Volkswagen Golf and owe more than it’s worth?
  • Should I drop comprehensive coverage on older vehicles?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form.

Insurance coverage breakdown

Knowing the specifics of insurance helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability coverages – This can cover injuries or damage you cause to other people or property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for things like repair costs for stationary objects, medical expenses, structural damage, attorney fees and emergency aid. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, damaging your car on a curb and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Volkswagen Golf.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for expenses for things like ambulance fees, prosthetic devices, pain medications, doctor visits and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This pays to fix your vehicle from 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 like hail damage, theft and falling objects. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Feed the piggy bank

As you go through the steps to switch your coverage, you should never skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to purchase plenty of coverage at the best cost and still be able to protect your assets.

Cost effective 2013 Volkswagen Golf insurance is definitely available both online and also from your neighborhood agents, and you should compare rates from both to have the best chance of lowering rates. There are still a few companies who may not offer price quotes online and most of the time these small, regional companies prefer to sell through local independent agencies.

Drivers who switch companies do it for a number of reasons such as not issuing a premium refund, an unsatisfactory settlement offer, being labeled a high risk driver or high rates after DUI convictions. Whatever your reason, choosing a new company is pretty easy and you might even save some money in the process.

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