1991 Volkswagen Golf Insurance Rates – 9 Tips for Cheaper Quotes

Are you sick and tired of robbing Peter to pay Paul to insure your Volkswagen every month? You have the same problem as millions of other people. Popular companies such as Geico, Progressive and Allstate promote their brand names with catchy ads and it can be hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

How much is insurance coverage?

Finding cheap 1991 Volkswagen Golf insurance coverage rates is not rocket science. All you need to do is invest a few minutes comparing rate quotes from some recommended companies. It is quite easy and can be accomplished using a couple different methods.

1. The most recommended method to find low rates is an all-inclusive rate comparison click to view form in new window. This style of form keeps you from doing separate forms for every company. One form gets coverage cost estimates direct from many companies.
2. A less efficient way to get quotes online is going to each company’s website and get a separate price quote. For example, let’s assume you want to compare rates from USAA, Progressive and Allstate. You would have to navigate to each company’s site to enter the same coverage data repeatedly, which can be really labor intensive.

   To view a list of companies in your area, click here.

It’s up to you which method you use, but make sure you use the exact same quote data for each quote you get. If the quotes have different deductibles you can’t possibly determine which rate is truly the best.

Insurance coverage advertising gotchas

Consumers get pounded daily by advertisements that claim the cheapest premium rates by Progressive, Allstate and Geico. They all convey the message that people will save just by switching your coverage to them.

How does every insurance coverage company give you a better price? This is how they do it.

Insurance coverage companies have specific characteristics for the right customer that makes them money. For example, a desirable insured might be described as between the ages of 30 and 45, has few claims, and drives a safe vehicle. Any person who fits that profile will get the preferred rates and will probably save when switching.

Insureds who don’t measure up to this ideal profile may be forced to pay higher prices and this results in the prospect going elsewhere. If you listen to the ad wording, they say “people that switch” but not “all drivers who get quotes” save that much. That’s the way companies can make claims that they all have the best rates. This emphasizes why you need to do a price quote comparison at every renewal. It is impossible to predict with any certainty which company will provide you with the cheapest prices.

Earn discounts on auto insurance

Insurance can be prohibitively expensive, but companies offer discounts that may help make it more affordable. Certain reductions will be credited when you complete an application, but a few must be specially asked for before they will apply. If you do not double check each discount you deserve, you could be saving more on your auto insurance.

• E-sign – A handful of larger companies will provide an incentive for signing up on your computer.
• Driver’s Education for Students – It’s a good idea to have your young drivers sucessfully take a drivers education course in school or through a local driver safety program.
• Buy New and Save – Buying insurance on a new vehicle can save up to 30% because newer vehicles have to meet stringent safety requirements.
• Drive Safe and Save – Accident-free drivers could pay up to 40% less for Golf insurance than their less cautious counterparts.
• More Vehicles More Savings – Buying coverage for primary and secondary vehicles on one policy qualifies for this discount.
• One Accident Forgiven – This one is not really a discount per se, but a handful of insurance companies will turn a blind eye to one accident before your rates go up if you have no claims for a particular time prior to the accident.
• Driver Training Discounts – Taking part in a course in driver safety can save you 5% or more if you qualify.
• Pay Early and Save – If paying your policy premium upfront rather than paying monthly you can avoid monthly service charges.
• Discount for Life Insurance – Larger insurance carriers have better rates if you take out auto and life insurance together.

Don’t be shocked that most credits do not apply to the overall cost of the policy. Most only apply to specific coverage prices like comprehensive or collision. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way.

Larger auto insurance companies and some of their more popular discounts are outlined below.

• Progressive includes discounts for continuous coverage, online quote discount, homeowner, multi-vehicle, multi-policy, and online signing.
• MetLife policyholders can earn discounts including claim-free, defensive driver, good driver, multi-policy, and good student.
• Mercury Insurance may offer discounts for age of vehicle, type of vehicle, multi-policy, good driver, professional/association, and good student.
• Nationwide offers discounts including easy pay, Farm Bureau membership, multi-policy, accident-free, anti-theft, and business or organization.
• Geico may include discounts for anti-lock brakes, anti-theft, defensive driver, emergency military deployment, air bags, driver training, and daytime running lights.
• AAA may have discounts that include education and occupation, multi-car, anti-theft, good driver, AAA membership discount, and good student.

Check with each insurance company to apply every possible discount. Depending on the company, some discounts may not apply to policies in every state. To find insurance companies who offer cheap auto insurance quotes, follow this link.

Tailor your auto insurance coverage to you

When buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Each situation is unique so this has to be addressed. Here are some questions about coverages that may help highlight if your insurance needs might need an agent’s assistance.

• Do I pay less for low miles?
• When can my company non-renew my policy?
• How do I insure my teen driver?
• Who is covered when they drive my 1991 Volkswagen Golf?
• Do all my vehicles need collision coverage?
• How do I file an SR-22 for a DUI in my state?
• How much liability coverage do I need in my state?
• Can I pay claims out-of-pocket if I buy high deductibles?
• What is roadside assistance coverage?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Auto insurance policy coverages for a 1991 Volkswagen Golf

Knowing the specifics of your policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are the usual coverages found on the average auto insurance policy.

Collision coverage protection

This pays for damage to your Golf from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sideswiping another vehicle, colliding with another moving vehicle, scraping a guard rail, colliding with a tree and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your 1991 Volkswagen Golf.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Liability insurance

This coverage protects you from damage that occurs to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like medical services, court costs, repair bills for other people’s vehicles, legal defense fees and structural damage. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive coverage

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, vandalism, damage from getting keyed, rock chips in glass and fire damage. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses like doctor visits, nursing services, ambulance fees and dental work. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

What is YOUR best insurance company?

You just learned some good ideas how you can save on 1991 Volkswagen Golf insurance. The most important thing to understand is the more quotes you get, the higher your chance of finding cheaper auto insurance. You may even discover the best price on insurance is with a small mutual company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or Geico.

Discount 1991 Volkswagen Golf insurance can be purchased both online as well as from insurance agents, so you should compare both to have the best rate selection. A few companies may not offer online quoting and these smaller companies prefer to sell through independent agencies.

Helpful articles

• All About Airbag Safety (State Farm)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Safe Vehicles for Teens (iihs.org)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Teen Driver Statistics (Insurance Information Insitute)