1996 Volkswagen Golf Insurance Rates – 8 Savings Tips

Looking for lower insurance coverage rates for your Volkswagen Golf? If you’re looking for lower-priced insurance online, do you get frustrated by the wide range of insurance coverage companies in your area? consumers have so many companies available that it can really be hard work to compare prices.

You should make it a habit to take a look at other company’s rates before your policy renews because insurance coverage rates change regularly. Just because you had the best rate on Golf insurance a couple years back you can probably find a better price now. Block out anything you think you know about insurance coverage because you’re about to learn one of the quickest ways to buy cheaper insurance coverage.

Cheapest insurance coverage rate quotes

To find the best insurance coverage rates, there are several ways to compare prices from different companies. The best way to compare rates involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

• The most efficient way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This style of form eliminates the need for a different quote for each price estimate. One form submission gets insurance cost estimates direct from many companies. It’s definitely the quickest method.
• A slightly less efficient method to find better pricing requires visiting the website for every company you want to comare and go through the quote process again. For example, we’ll pretend you want rates from State Farm, Allstate and Liberty Mutual. To do that, you would have to go to each individual site and punch in your information repeatedly, which can get rather old.

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

• The final way to comparison shop rate quotes is calling or driving to all the different insurance agencies. The fact that you can get quotes online makes this unnecessary unless you prefer the trained advice that only a licensed agent can provide. It is possible with some companies compare the best prices online but have your policy serviced through an agent.

You can use whichever method you prefer to find lower rates, just be sure to compare exactly the same information on every price quote you get. If you enter mixed coverages it will be next to impossible to determine the lowest rate for your Volkswagen Golf. Having just a slight variation in insurance coverages or limits may cause a big price difference. And when comparison shopping, making a lot of price comparisons increases your odds of finding a better price. Some smaller insurers to not give prices over the internet, so you should also compare prices from those companies as well.

Do I just need basic coverages?

When choosing proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions could help you determine whether or not you might need an agent’s assistance.

• How much liability do I need to cover my assets?
• Is a blown tire covered by insurance?
• When can I cancel my policy?
• Is my business laptop covered if it gets stolen from my vehicle?
• Do I have coverage if my license is suspended?
• Is my 1996 Volkswagen Golf covered for flood damage?
• Is my camper covered by my car insurance policy?
• Am I covered if I hit my neighbor’s mailbox?
• Does my insurance cover my expensive audio equipment?
• At what point should I drop full coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form.

Car insurance 101

Learning about specific coverages of your policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Volkswagen Golf.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses for prosthetic devices, X-ray expenses, ambulance fees, chiropractic care and funeral costs. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance

Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as pain and suffering, repair costs for stationary objects, structural damage, court costs and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hail damage, a tree branch falling on your vehicle, damage from a tornado or hurricane and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as rolling your car, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.