Cheap 1995 Volkswagen Golf Insurance Quotes

Are you sick and tired of scraping the payment together each month for car insurance? Your situation is no different than most other car owners. Numerous insurers battle to insure your vehicles, so it can be very hard to choose a insurer and uncover the absolute best price available.

It’s smart to get comparison quotes once or twice a year because insurance rates change quite often. Just because you found the best deal for Golf insurance a couple years back there may be better deals available now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to how to use online quotes to find the best coverage while lowering your premiums.

Comprehensive Insurance Coverage Comparison

Lowering your 1995 Volkswagen Golf insurance coverage rates can be quick and easy. Drivers just need to take a couple of minutes to compare rate quotes from different insurance companies. This is very easy and can be done using a couple different methods.

The first (and easiest) way to get quotes is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating separate forms for every insurance coverage company. One simple form will get you price quotes direct from many companies.

A slightly less efficient method to obtain and compare quotes online requires you to visit the website of each company and request a quote. For instance, let’s assume you want rates from State Farm, Safeco and GMAC. To get rate quotes you would need to go to every website to input your insurance information, which is why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using exactly the same coverage information for every quote you compare. If you are comparing different limits and deductibles on each one it’s not possible to determine the lowest rate for your Volkswagen Golf.

Don’t pay full price with these discounts

Auto insurance companies don’t always advertise all their discounts in a way that’s easy to find, so we break down both well-publicized and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for Golf insurance than drivers with accidents.
  • Passive Restraints – Cars that have air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Early Signing – Select companies give a discount for signing up prior to your current policy expiring. This can save 10% or more.
  • E-sign – A few companies will give a small break simply for signing on their website.
  • Government Employees – Simply working for the federal government may qualify you for a discount for Golf insurance with select insurance companies.

Consumers should know that most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way.

For a list of companies who offer car insurance discounts, follow this link.

Volkswagen Golf rates are complex

Consumers need to have an understanding of some of the elements that help determine car insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that can help you get much lower annual insurance costs.

The following are a partial list of the pieces that factor into your rates.

  • Save money with special equipment – Driving a car with anti-theft technology or alarm system can get you a discount on your car insurance. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
  • Policy add-ons can waste money – There are a lot of add-on coverages that you can get tricked into buying if you aren’t careful. Coverages like vanishing deductibles, accidental death and additional equipment coverage are some examples. These coverages may sound good when you first buy your policy, but now you might not need them so get rid of them and save.
  • Lower miles equals lower premium – The more miles you rack up on your Volkswagen in a year the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles based upon how you use the vehicle. Vehicles used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. Double check that your car insurance policy shows how each vehicle is driven, because it can save money. Incorrect usage on your Golf can result in significantly higher rates.
  • Choose a safe vehicle and save – Safer cars get lower rates. Safer cars reduce injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If the Volkswagen Golf earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

Your personal situation dictates your coverage

When it comes to buying proper insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine if your situation could use an agent’s help.

  • How much underlying liability do I need for an umbrella policy?
  • Where can I find high-risk insurance?
  • Is my ex-spouse still covered by my policy?
  • Does coverage extend to Mexico or Canada?
  • Is a new car covered when I drive it off the dealer lot?
  • What is covered by UM/UIM coverage?
  • Do I need replacement cost coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I pay less for low miles?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It is quick, free and can help protect your family.

Auto insurance policy coverages for a 1995 Volkswagen Golf

Having a good grasp of auto insurance helps when choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by auto insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for things like prosthetic devices, surgery, hospital visits and doctor visits. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Volkswagen Golf.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, falling objects and damage from flooding. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for collisions

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

Collision coverage pays for things like driving through your garage door, hitting a mailbox, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Coverage for liability

This protects you from damages or injuries you inflict on other people or property. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as funeral expenses, bail bonds, medical services, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Final thoughts

Throughout this article, we presented a lot of techniques to get a better price on 1995 Volkswagen Golf insurance. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even discover the biggest savings come from a small mutual company. These companies may have significantly lower rates on certain market segments than their larger competitors like Progressive and Geico.

As you shop your coverage around, it’s a bad idea to reduce coverage to reduce premium. In too many instances, an insured dropped collision coverage only to regret that it was a big mistake. The proper strategy is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Cost effective insurance can be bought on the web and with local insurance agents, and you should be comparing both to get a complete price analysis. Some companies do not offer online price quotes and these regional insurance providers work with independent agents.

Much more information about insurance can be found at these links: