1991 Volkswagen Golf Insurance Quotes – 5 Tips for Best Rates

If you are a novice to online car insurance shopping, you can easily be overwhelmed of insurance providers that all promise the best rates.

Consumers should take time to price shop coverage on a regular basis because car insurance prices are rarely the same from one policy term to another. Just because you found the best quotes for Golf coverage six months ago a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because you’re about to learn the tricks you need to know to reduce your cost while improving coverage.

The best way to compare policy rates is to take advantage of the fact car insurance companies provide online access to compare their rates. All you need to do is give them rating details including how much school you completed, how much coverage you want, if you have a valid license, and whether your vehicle is owned or leased. The data is submitted instantly to multiple top-rated companies and they return cost estimate almost instantly.

If you wish to get multiple quotes for your 1991 Volkswagen Golf now, click here and find out if you can get cheaper insurance.

Auto insurance in the media

Auto insurance companies such as Progressive, Geico, Allstate and State Farm constantly bombard you with ads in print and on television. They all seem to make the promise that you can save if you change your auto insurance policy to them. But how can every company claim to save you money? It’s all in how they say it.

Companies have underwriting criteria for the type of driver that will be a good risk. A good example of a profitable insured might be a married male, is a homeowner, and insures a new vehicle. Any customer that hits that “sweet spot” will most likely get cheap premium rates and will also save if they switch.

Insureds who cannot meet those standards will probably be forced to pay higher rates and this results in the customer not buying. The ad wording is “customers that switch” not “all people who quote” can save as much as they claim. That is how insurance companies can confidently make those claims.

Because of the profiling, you absolutely need to do a price quote comparison at every renewal. Because you cannot predict which company will provide the lowest prices.

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Affordable car insurance quotes with discounts

Some companies do not advertise every policy discount very well, so the list below details both the well known and also the more inconspicuous savings tricks you should be using when you buy car insurance online.

• Good Students Pay Less – A discount for being a good student can save 20 to 25%. You can use this discount normally until age 25.
• Auto/Home Discount – If you insure your home and vehicles with one insurance company they may give you a discount of up to 20% off your total premium.
• Senior Citizens – If you’re over the age of 55, you are able to get a discount up to 10% for Golf coverage.
• Driver’s Education for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class in school.
• Onboard Data Collection – Insureds who allow their company to look at when and where they use their vehicle by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they have good driving habits.

It’s important to understand that some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts will reduce the amount you pay for coverage.

A few popular companies and their possible discounts are detailed below.

• State Farm may offer discounts for Drive Safe & Save, driver’s education, student away at school, accident-free, defensive driving training, and multiple policy.
• Geico has savings for multi-vehicle, multi-policy, anti-theft, good student, and emergency military deployment.
• Progressive may have discounts that include good student, continuous coverage, online quote discount, multi-vehicle, and multi-policy.
• 21st Century may include discounts for early bird, defensive driver, anti-lock brakes, automatic seat belts, driver training, good student, and 55 and older.
• American Family policyholders can earn discounts including good student, good driver, air bags, Steer into Savings, and bundled insurance.
• The Hartford includes discounts for defensive driver, air bag, bundle, driver training, and good student.
• AAA offers discounts for good student, multi-policy, multi-car, pay-in-full, AAA membership discount, education and occupation, and anti-theft.

When quoting, ask every insurance company which credits you are entitled to. Some of the earlier mentioned discounts may not apply everywhere.

Tailor your auto insurance coverage to you

When choosing coverage, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover whether or not you might need professional guidance.

• Do I have newly-aquired coverage?
• Does my 1991 Volkswagen Golf qualify for pleasure use?
• Is my nanny covered when driving my vehicle?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Why am I required to get a high-risk car insurance policy?
• What is medical payments coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?
• How do I insure my teen driver?
• Do I get a pro-rated refund if I cancel my policy early?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Insurance coverage basics

Knowing the specifics of your policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Collision coverage

Collision coverage will pay to fix damage to your Golf from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like backing into a parked car, crashing into a building, colliding with another moving vehicle, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as rehabilitation expenses, X-ray expenses, EMT expenses and doctor visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability insurance protects you from damages or injuries you inflict on other’s property or people. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as structural damage, repair costs for stationary objects and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Golf.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

This coverage covers 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 coverage protects against things such as falling objects, rock chips in glass, hail damage and fire damage. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

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Smart consumers save more

Drivers who switch companies do it for a variety of reasons including being labeled a high risk driver, denial of a claim, unfair underwriting practices or even questionable increases in premium. Whatever your reason, switching car insurance companies is not as hard as you think.

You just learned a lot of information how to compare 1991 Volkswagen Golf insurance rates online. It’s most important to understand that the more you quote car insurance, the more likely it is that you will get a better rate. Drivers may discover the most savings is with an unexpected company.

Cheaper car insurance is possible online in addition to local insurance agencies, and you should compare rates from both to have the best chance of lowering rates. A few companies may not have price quotes online and usually these small insurance companies only sell through independent agents.

Helpful resources

• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Auto Insurance 101 (About.com)
• What does Personal Injury Protection (PIP) Cover? (Allstate)

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