1998 Volkswagen Golf Car Insurance Rates – 7 Ways to Save

Drivers have options when trying to find the lowest priced Volkswagen Golf insurance. They can either waste time contacting agents getting price quotes or leverage the internet to make rate comparisons.

There is a right way and a wrong way to find auto insurance online and you need to know the quickest way to compare rates for a new or used Volkswagen and get the best price possible.

It’s smart to take a look at other company’s rates occasionally because rates are usually higher with each renewal. Even if you got the best deal for Golf insurance last year the chances are good that you can find a lower price today. Forget all the misinformation about auto insurance because we’re going to demonstrate the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

This article will let you in on how to get online quotes and some tips to save money. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these tips. Vehicle owners only need an understanding of the best way to compare rates online.

Compare car insurance rates

There are multiple methods to compare car insurance quotes, and some are more efficient than others. You could waste a few hours driving to insurance companies in your area, or you can stay home and use the web to get pricing more quickly.

Many companies participate in a marketplace that enables customers to enter their coverage request one time, and each company can provide price quotes for coverage. This prevents consumers from doing form submissions for every car insurance company.

To find out how much you can save on car insurance click here to open in new window.

The only drawback to comparing rates this way is you don’t know exactly which carriers to get quotes from. So if you prefer to pick from a list of companies for rate comparison, we have assembled a list of car insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, make absolute certain that you use apples-to-apples coverages and limits for every quote you compare. If you use different liability limits you will not be able to determine which company has the best rates.

You are unique and your car insurance should be too

When buying the best car insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether you will benefit from professional help.

• When do I need to add a new car to my policy?
• Are my tools covered if they get stolen from my vehicle?
• What can I do if my company won’t pay a claim?
• Will I lose any money if I cancel my policy before it expires?
• How much underlying liability do I need for an umbrella policy?
• I have a DUI can I still get coverage?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Am I covered if I break a side mirror?
• Does my insurance cover my expensive audio equipment?

If you can’t answer these questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage options for a Volkswagen Golf

Knowing the specifics of your auto insurance policy can be of help when determining the right coverages for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people 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 should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.

Collision coverage – Collision coverage covers damage to your Golf resulting from a collision 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 can pay for claims such as driving through your garage door, damaging your car on a curb, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, damage from flooding, hitting a bird, hitting a deer and hail damage. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for expenses for rehabilitation expenses, X-ray expenses, funeral costs, chiropractic care and prosthetic devices. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverages – This coverage protects you from injuries or damage you cause to other people or property. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like court costs, medical expenses, attorney fees, loss of income and structural damage. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.