2012 Volkswagen Golf Insurance Quotes – 10 Tricks for Cheapest Rates

Searching for cheaper car insurance rates for your Volkswagen Golf? Beginners to comparison shopping online might discover finding the cheapest car insurance is not as easy as it seems.

The method we recommend to compare policy rates is to know most of the larger companies allow for online access to compare their rates. All consumers are required to do is provide the companies a bit of rating information such as how much coverage you want, whether or not you need a SR-22, daily mileage, and the year, make and model of vehicles. That rating data is submitted instantly to multiple different insurance companies and you will get price comparisons instantly to find the best rate.

How to reduce Volkswagen Golf insurance rates

Auto insurance companies do not list all their discounts in an easy-to-find place, so we researched both the well known and also the lesser-known ways to save on auto insurance.

  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company qualifies for this discount.
  • Homeowners Savings – Owning a home can save you money because maintaining a house requires personal responsibility.
  • Sign Online – Some insurance companies will give a small break for buying your policy over the internet.
  • Passive Restraints and Air Bags – Cars that have air bags can qualify for discounts of more than 20%.
  • Organization Discounts – Affiliation with certain professional organizations is a good way to get lower rates when buying auto insurance on Golf insurance.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Golf insurance than drivers with accidents.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.

It’s important to note that some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn’t work that way.

Car insurance companies who might offer these benefits may include but are not limited to:

Before buying, ask all companies you are considering what discounts are available to you. Discounts might not apply everywhere.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions might help in determining if you might need professional guidance.

  • Am I covered if I hit my neighbor’s mailbox?
  • What are the best liability limits?
  • Are all vehicle passengers covered by medical payments coverage?
  • Are rental cars covered under my policy?
  • Am I covered when driving someone else’s vehicle?
  • Should I buy full coverage?
  • Is a blown tire covered by insurance?
  • What is PIP insurance?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverages explained

Knowing the specifics of your policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Golf.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto collision coverage

This coverage covers damage to your Golf from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, crashing into a building, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Auto liability insurance

This coverage protects you from damages or injuries you inflict on other’s property or people. It protects you against claims from other people. It does not cover 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 commonly see values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as legal defense fees, loss of income and medical expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like theft, vandalism, falling objects, damage from flooding and hail damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like funeral costs, doctor visits and dental work. They can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Knowledge is power

As you go through the steps to switch your coverage, never buy less coverage just to save a little money. There have been many situations where an insured cut physical damage coverage only to regret that the savings was not a smart move. The proper strategy is to get the best coverage possible at an affordable rate.

We just presented many ideas to save on 2012 Volkswagen Golf insurance. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. Drivers may discover the best price on car insurance is with a smaller regional carrier.

Low-cost insurance is available from both online companies as well as from independent agents, and you need to price shop both to get a complete price analysis. Some insurance providers don’t offer online quoting and most of the time these small, regional companies sell through independent agents.

For more information, take a look at the following helpful articles: