Cheaper 1993 Volkswagen Golf Insurance Rates

Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance coverage policy? Believe me, there are many people just like you.

Having so many online and local companies to choose from, it’s difficult to pick the most affordable insurer.

It’s important to compare rates every six months since rates change frequently. Despite the fact that you may have had the best deal on Golf insurance a few years ago other companies may now be cheaper. Starting now, ignore everything you know about insurance coverage because you’re going to learn the right way to reduce your cost while increasing coverage.

This article will tell you how to get online quotes and some tips to save money. If you currently have car insurance, you stand a good chance to be able to save some money using this strategy. Although consumers can benefit from knowing how insurance companies market insurance on the web and take advantage of how the system works.

Compare Auto Insurance Costs

To find the best auto insurance prices, there are several ways to compare rate quotes from auto insurance companies in your area. One of the best ways to find the lowest 1993 Volkswagen Golf rates is to use the internet to compare rates. This can be done in several different ways.

  1. The fastest way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This form prevents you from having to do a different quote for every auto insurance company. In just a few minutes this one form gets you price quotes direct from many companies.
  2. A more time consuming way to find lower rates consists of going to the website for every company you want to comare to complete a price quote. For sake of this example, let’s say you want to compare Liberty Mutual, 21st Century and Progressive. You would have to go to every website and enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but be sure to compare exactly the same information for each price quote. If you are comparing different values for each quote it will be next to impossible to truly determine the lowest rate. Having just a slight variation in coverage limits could mean much higher rates. And when comparison shopping, quoting more helps locate the best price.

Pay less for Volkswagen Golf insurance

Insurance can cost an arm and a leg, but you can get discounts that you may not even be aware of. Certain discounts will be applied at quote time, but a few must be specifically requested before you will receive the discount.

  • Accident Forgiveness – Certain companies will forgive one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks simply for signing online.
  • Air Bag Discount – Factory air bags may earn rate discounts of more than 20%.
  • Senior Discount – Mature drivers may be able to get a discount up to 10% on Golf insurance.
  • Drive Less and Save – Keeping the miles down on your Volkswagen can earn lower rates on the low mileage vehicles.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on Golf insurance depending on your company.
  • Own a Home – Being a homeowner may trigger a insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. The discount lasts well after school through age 25.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will help reduce the amount you have to pay.

For a list of insurance companies with discount insurance rates, follow this link.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique so your insurance needs to address that. These are some specific questions can help discover if you could use an agent’s help.

  • How do I insure my teen driver?
  • Does coverage extend to a rental car in a foreign country?
  • Does my policy pay for OEM or aftermarket parts?
  • What exactly is covered by my policy?
  • Am I covered if I hit a deer?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can I make deliveries for my home business?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Insurance coverage breakdown

Understanding the coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on most insurance policies.

Collision – This will pay to fix damage to your Golf resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like damaging your car on a curb, sideswiping another vehicle, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, falling objects and damage from flooding. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured and underinsured coverage – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Volkswagen Golf.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability insurance – Liability insurance provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as loss of income, court costs, attorney fees, medical expenses and bail bonds. How much coverage you buy is your choice, but buy as much as you can afford.

Coverage for medical payments – Med pay and PIP coverage reimburse you for expenses for things like chiropractic care, EMT expenses, rehabilitation expenses, X-ray expenses and dental work. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

A penny saved is a penny earned

Cheaper 1993 Volkswagen Golf insurance is definitely available both online in addition to many insurance agents, so you should compare both so you have a total pricing picture. Some insurance providers do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

You just read quite a bit of information on how to lower your insurance rates. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest priced insurance coverage comes from the smaller companies. Smaller companies may have significantly lower rates on certain market segments than their larger competitors like Allstate and Progressive.

More detailed insurance coverage information can be read in these articles: