1993 Volkswagen Golf Car Insurance Cost – 5 Tips to Save

I doubt anyone rejoices having to buy insurance, in particular when it costs too dang much. Multiple insurers compete to insure your vehicles, and it can be difficult to compare rates and get the definite best price available.

How to shop insurance coverage online

Finding cheap insurance coverage prices is not rocket science. Consumers just need to invest a few minutes to compare free car insurance quotes to find the company with the cheapest car insurance quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.

1. The fastest and easiest way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This form prevents you from having to do repetitive form submissions for each company you want a rate for. One form submission will return quotes direct from many companies.
2. A slightly less efficient method to compare prices consists of going to the website of each company and go through the quote process again. For example, we’ll pretend you want to compare rates from Progressive, Liberty Mutual and State Farm. To do that, you would have to spend time going to each site individually to enter your coverage information, which is why most consumers use the first method. For a list of companies in your area, click here.
3. The final method to compare price estimates is calling or driving to all the different insurance agencies. Buying insurance online has made agencies unnecessary unless you want the professional advice only provided by licensed agents. You can, however, find lower rates online but have a local agent actually write the policy.

How you compare quotes is your choice, just be sure you’re using the same coverage limits for every company. If each company quotes differing limits you will not be able to determine which rate is truly the best.

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Drivers can save with these five discounts

Buying insurance is not cheap, but discounts can save money and there are some available that could help you make your next renewal payment. A few discounts will automatically apply at the time of purchase, but once in a while a discount must be manually applied prior to getting the savings. If you do not check that you are getting every discount available, you are just wasting money.

• Online Discount – A few larger online companies give back up to $50 get car insurance online.
• Policy Bundle Discount – If you have multiple policies and place coverage with the same company you will save as much as 10 to 15 percent.
• Auto/Life Discount – Larger companies have a break if you buy a life insurance policy as well.
• Save with More Vehicles Insured – Having multiple vehicles on a single policy can get a discount for every vehicle.
• Accident Waiver – This one isn’t a discount, but companies like Allstate and State Farm will forgive one accident without raising rates as long as you don’t have any claims for a set time period.

As is typical with insurance, most discounts do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Insurance companies that may offer quotes with these discounts are:

• Travelers
• 21st Century
• State Farm
• Geico
• SAFECO
• AAA

If you want affordable car insurance quotes, ask every insurance company the best way to save money. A few discounts may not apply everywhere. For a list of companies that offer the discounts shown above, follow this link.

Special considerations

When buying the right insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions might point out whether your personal situation might need professional guidance.

• Do I need rental car coverage?
• Do I need motorclub coverage?
• Are there companies who specialize in insuring high-risk drivers?
• What are the financial responsibility laws in my state?
• Is business property covered if stolen from my car?
• Is my Volkswagen Golf covered if I use it for business?
• Are rock chip repairs covered?
• What is covered by UM/UIM coverage?
• Does insurance cover tools stolen from my truck?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.

Insurance coverage considerations

Understanding the coverages of your insurance 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. Listed below are typical coverages available from insurance companies.

Liability coverages

This coverage can cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

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 limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things like medical services, emergency aid and court costs. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Coverage for collisions

Collision coverage covers damage to your Golf resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with a tree, hitting a mailbox, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Volkswagen Golf.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for X-ray expenses, surgery and nursing services. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as vandalism, damage from getting keyed, theft, rock chips in glass and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

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Save for a rainy day

When searching for inexpensive car insurance quotes, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice collision coverage and found out when filing a claim that it was a big error on their part. Your strategy should be to get the best coverage possible at the best cost.

We’ve covered a lot of techniques to compare 1993 Volkswagen Golf insurance prices online. The key thing to remember is the more you quote car insurance, the higher your chance of finding inexpensive car insurance. Consumers may even find the lowest prices come from the smaller companies. They can often provide lower rates in certain areas than their larger competitors like Progressive or Geico.

Lower-priced 1993 Volkswagen Golf insurance can be found online and with local insurance agents, so you need to shop car insurance with both so you have a total pricing picture. Some insurance coverage companies do not offer the ability to get quotes online and most of the time these smaller companies only sell through independent agents.

To read more, feel free to visit the following helpful articles:

• Think You’re a Safe Driver? (State Farm)
• Understanding Car Crashes Video (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)
• What is Covered by GAP Insurance? (Allstate)

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