Cheaper 2014 Volkswagen Golf Insurance Rates

Having to pay for high-priced insurance can stress out your personal savings and force you to make sacrifices. Getting a rate comparison is a fast and free way to lower your bills every month.

With so many choices of insurance companies, it is very difficult to choose the cheapest insurance provider.

Earn discounts to get lower-cost insurance coverage quotes

Auto insurance companies don’t necessarily list all their discounts very well, so below is a list some of the more common as well as some of the hidden credits that you can use to lower your rates.

  • Service Members Pay Less – Being deployed in the military may lower your insurance coverage rates slightly.
  • Accident Forgiveness – Not really a discount, but a few companies such as Allstate and Geico will allow you to have one accident before your rates go up with the catch being you have to be claim-free prior to being involved in the accident.
  • Discount for Life Insurance – If the company offers life insurance, you could get better rates if you take out auto and life insurance together.
  • Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class in school.
  • Discounts for New Vehicles – Buying insurance coverage on a new vehicle can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
  • Seat Belt Discounts – Forcing all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Telematics Discount – Drivers who agree to allow data collection to analyze driving patterns by using a small device installed in their vehicle such as Progressive’s Snapshot might see lower rates if they have good driving habits.
  • Early Switch Discount – A few companies give discounts for switching companies before your current policy expires. This discount can save up to 10%.
  • Good Student – Maintaining excellent grades can get you a discount of up to 25%. Most companies allow this discount up to age 25.
  • Good Driver Discount – Safe drivers may save up to 50% more on Golf insurance compared to accident prone drivers.

Discounts reduce rates, but you should keep in mind that most discount credits are not given the the whole policy. Some only reduce individual premiums such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, it’s just not the way it works.

Larger insurance coverage companies and their possible discounts can be found below.

  • State Farm may include discounts for driver’s education, Drive Safe & Save, anti-theft, student away at school, multiple autos, and good driver.
  • Progressive offers discounts for good student, multi-vehicle, online signing, homeowner, continuous coverage, and online quote discount.
  • Progressive has discounts for multi-policy, multi-vehicle, homeowner, good student, and continuous coverage.
  • MetLife may offer discounts for accident-free, multi-policy, defensive driver, good driver, claim-free, good student
  • Farm Bureau may have discounts that include driver training, multi-policy, 55 and retired, renewal discount, and good student.
  • Geico offers premium reductions for multi-policy, daytime running lights, defensive driver, five-year accident-free, and federal employee.
  • SAFECO discounts include teen safety rewards, anti-theft, teen safe driver, bundle discounts, and anti-lock brakes.

Before buying, ask all companies you are considering which discounts they offer. All car insurance discounts might not be offered on policies in your area.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if you will benefit from professional help.

  • Is business property covered if stolen from my car?
  • What can I do if my company won’t pay a claim?
  • Are rock chip repairs covered?
  • When can I cancel my policy?
  • Which companies will insure high-risk drivers?
  • Can my babysitter drive my car?
  • Does my 2014 Volkswagen Golf need full coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Who is covered by my policy?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Can you really save that much by switching?

Insurance companies such as Geico, State Farm and Progressive endlessly run ads in print and on television. They all make an identical promise about saving some big amount if you get a free car insurance quote and switch to their company. That’s great but how can every company offer drivers better rates? This is the way they can do it.

Insurance providers quote the lowest rates for the type of insured that will not have excessive claims. An example of a profitable insured should be a mature driver, owns their home, and has excellent credit. A customer getting a price quote who fits that profile will most likely get cheap prices and will save a lot if they switch.

Consumers who cannot meet these stringent criteria will be charged a higher premium and the customer buying from a different company. If you listen closely, the ads state “drivers that switch” not “everyone that quotes” save that much. This is how companies can make claims that they all have the best premium rates.

This illustrates why you should quote coverage with many companies. It’s just too difficult to predict which insurance company will have the lowest rates.

Auto insurance coverages and their meanings

Learning about specific coverages of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverage types found on most auto insurance policies.

Comprehensive or Other Than Collision

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from flooding, falling objects, rock chips in glass and hail damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2014 Volkswagen Golf.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for liability

This can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like pain and suffering, court costs and medical expenses. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Medical costs insurance

Coverage for medical payments and/or PIP pay for bills for things like X-ray expenses, chiropractic care and hospital visits. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Auto collision coverage

Collision coverage will pay to fix damage to your Golf from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Never pay more for less

You just read many ideas to save on 2014 Volkswagen Golf insurance. It’s most important to understand that the more you quote car insurance, the better your chances of lowering your premium rates. Consumers may even find the best car insurance rates are with a small local company. These companies may only write in your state and offer lower premium rates than their larger competitors like Geico and State Farm.

When getting car insurance quotes online, do not reduce needed coverages to save money. Too many times, an insured cut uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at a price you can afford while still protecting your assets.

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