1997 Volkswagen Golf Insurance Cost – 8 Tips for Cheapest Prices

Consumers have many options when looking for the lowest priced Volkswagen Golf insurance. They can either spend hours contacting agents to compare prices or utilize the internet to get rate quotes. There is a right way and a wrong way to buy auto insurance so you’re going to learn the quickest way to price shop coverage for a Volkswagen and obtain the lowest price.

If you have a policy now or need new coverage, you can use these techniques to cut your premiums and possibly find even better coverage. The purpose of this post is to help educate you on how to effectively get price quotes. Consumers only need to know how to compare company rates online.

Auto insurance quotes comparison

There are a variety of methods to shop for auto insurance, but there is one way that is easier and takes less work. You can spend countless hours driving to local insurance agents in your area, or you could save time and use online quotes to get prices fast.

Most of the best insurance companies enroll in a system where insurance shoppers submit their information once, and at least one company can give them a price for coverage. This eliminates the need for quote forms for each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The only downside to doing it this way is you are unable to specify which carriers to get quotes from. So if you prefer to pick specific insurance companies to compare prices, we have assembled a list of the cheapest auto insurance companies in your area. Click to view list.

How you compare quotes is your choice, just try to use the exact same coverage information with each company. If each company quotes different limits and deductibles on each one it will be nearly impossible to determine the best price for your Volkswagen Golf.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Every situation is different.

For example, these questions can aid in determining if your situation would benefit from professional advice.

• Can I afford to pay high deductible claims out of pocket?
• Should I have a commercial auto policy?
• Am I covered if I break a side mirror?
• How much liability coverage do I need in my state?
• What if I don’t agree with a claim settlement offer?
• Is there coverage for injuries to my pets?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverage breakdown

Knowing the specifics of your auto insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Auto liability insurance

Liability coverage protects you from damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for things such as medical expenses, funeral expenses, emergency aid, bail bonds and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying higher limits if possible.

Comprehensive protection

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like fire damage, theft, damage from getting keyed and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as chiropractic care, X-ray expenses, funeral costs, doctor visits and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Volkswagen Golf.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage protection

Collision coverage pays for damage to your Golf resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sustaining damage from a pot hole, crashing into a ditch, damaging your car on a curb, rolling your car and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.