1997 Volkswagen Golf Insurance Rates

Trying to find lower auto insurance rates for your Volkswagen Golf? Have you fallen victim to high-priced auto insurance? Believe me, there are many people just like you. Having so many insurance companies to choose from, it can be diffult for consumers to locate the lowest price car insurance company.

It’s a great practice to price shop coverage every six months because prices change regularly. If you had the lowest rates for Golf coverage two years ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the fastest way to properly buy coverages while reducing your premium.

This article will help educate you on how car insurance quotes work. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these tips. Vehicle owners just need to learn the best way to get comparison rates over the internet.

Discounts can save BIG

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not know about. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be inquired about before you will receive the discount. If you’re not getting every credit available, you’re just leaving money on the table.

  • No Accidents – Claim-free drivers pay less as compared to bad drivers.
  • Early Switch Discount – Select companies give a discount for switching to them before your current policy expires. It’s a savings of about 10%.
  • Payment Discounts – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Club Memberships – Belonging to certain professional organizations is a good way to get lower rates when buying car insurance for Golf coverage.
  • Save over 55 – Mature drivers may qualify for a small decrease in premiums for Golf coverage.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Golf coverage than less cautious drivers.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Some only apply to the cost of specific coverages such as comp or med pay. So when it seems like adding up those discounts means a free policy, companies don’t profit that way. But all discounts will help reduce the amount you have to pay.

Car insurance companies who might offer these discounts include:

Double check with every prospective company which discounts you may be entitled to. All car insurance discounts may not apply everywhere.

Vehicle Insurance Comparison

There are a variety of methods to compare 1997 Volkswagen Golf auto insurance prices and some are more efficient than others. You can waste hours driving to local insurance agents in your area, or you can stay home and use the web to achieve your goal.

Most of the best insurance companies enroll in a system that allows shoppers to only type in their quote data once, and each participating company can provide price quotes based on the submitted data. This system prevents you from having to do quote forms for each company you want a rate for. To participate in this free quote system, click to open in new window.

The only downside to using this type of system is buyers cannot specifically choose which carriers to get pricing from. If you prefer to choose from a list of companies to receive pricing from, we put together a list of auto insurance companies in your area. Click to view list.

However you get your quotes, double check that you are using identical deductibles and coverage limits with every price quote. If you have differing limits you can’t possibly determine the lowest rate for your Volkswagen Golf.

Will just any policy work for me?

When buying proper insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • What if I total my 1997 Volkswagen Golf and owe more than it’s worth?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do all my vehicles need collision coverage?
  • Am I covered if hit by an uninsured driver?
  • Does my 1997 Volkswagen Golf need full coverage?
  • Is my camper covered by my car insurance policy?
  • Am I covered when delivering products for my home-based business?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance 101

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. These are the usual coverages offered by insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hail damage, a tree branch falling on your vehicle, hitting a deer and fire damage. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for chiropractic care, pain medications and EMT expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against other people’s claims. Liability 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 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as loss of income, repair costs for stationary objects, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Collision coverage

Collision coverage covers damage to your Golf resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as sustaining damage from a pot hole, scraping a guard rail, sideswiping another vehicle, rolling your car and hitting a mailbox. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

UM/UIM Coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Volkswagen Golf.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Online plus local equals savings

Cost effective 1997 Volkswagen Golf insurance can be found online and with local insurance agents, so compare prices from both to have the best rate selection. Some insurance providers do not offer online price quotes and most of the time these small insurance companies sell through independent agents.

When buying insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, an insured cut collision coverage and found out when filing a claim they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

More detailed insurance coverage information can be found by following these links: