1997 Volkswagen Golf Insurance Quotes – 7 Savings Tips

Looking for the cheapest insurance coverage rates for your Volkswagen Golf? Are you at wits end from scraping nickels together to pay insurance coverage each month? You have the same problem as the majority of other people. You have so many insurers to purchase coverage from, and although it’s nice to have a selection, it can be more challenging to compare rates and cut insurance costs.

It’s important to shop coverage around periodically because prices change frequently. If you had the best quotes for Golf coverage two years ago you will most likely find a better rate today. Block out anything you think you know about insurance coverage because you’re about to learn the only way to lower your rates without sacrificing coverage.

Shop insurance coverage online

There are multiple methods to compare insurance coverage quotes, and some are more efficient than others. You can waste a few hours (or days) talking to insurance agencies in your area, or you could use the web to get rates in a matter of minutes.

The majority of car insurance companies belong to an insurance system where insurance shoppers enter their coverage request one time, and each company provides a quote based on that information. This eliminates the need for quotation requests for each company.

To participate in this free quote system, click here to start a free quote.

One minor caviat to using this type of system is you don’t know exactly which companies you want pricing from. So if you want to choose specific insurance companies to compare prices, we have a listing of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just do your best to enter identical coverages on every quote. If you enter higher or lower deductibles then you won’t be able to determine the best price for your Volkswagen Golf.

Discount auto insurance quotes

Properly insuring your vehicles can get expensive, but you can get discounts to cut the cost considerably. Some trigger automatically when you complete an application, but less common discounts must be inquired about before you will receive the discount.

• Life Insurance – Insurance carriers who offer life insurance give a discounted rate on car insurance if you buy a life policy as well.
• Theft Deterent – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and that can save you a little bit as well.
• Service Members Pay Less – Being deployed in the military could trigger a small discount.
• New Car Discount – Insuring a new car can save up to 30% since new model year vehicles have better safety ratings.
• Online Discount – Some of the larger companies may give you up to $50 shop insurance over the internet.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up can save 10% or more off the medical payments premium.
• Waiver for an Accident – Not a discount per se, but companies like Progressive, Allstate, and Geico will let one accident slide without getting socked with a rate hike so long as you haven’t had any claims prior to the accident.

You can save money using discounts, but some of the credits will not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you could get a free auto insurance policy, company stockholders wouldn’t be very happy. Any amount of discount will lower your policy cost.

A few companies that have many of the previously listed discounts may include but are not limited to:

• Geico
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

Check with all the companies which discounts can lower your rates. A few discounts might not be available to policyholders in your area.

Tailor your insurance coverage coverage to you

When buying coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different so this has to be addressed. For instance, these questions can aid in determining if your situation will benefit from professional help.

• What discounts do I qualify for?
• Does insurance cover tools stolen from my truck?
• Should I have a commercial auto policy?
• Do I need higher collision deductibles?
• Is my teenager covered with friends in the car?
• Does my insurance cover a custom paint job?
• Is my 1997 Volkswagen Golf covered for flood damage?
• What is the rate difference between pleasure use and commuting?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Specifics of your insurance policy

Understanding the coverages of insurance aids in choosing the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by insurance companies.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like theft, a broken windshield, hitting a deer, hail damage and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability insurance

Liability insurance protects you from damage that occurs to other’s property or people in an accident. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like medical services, court costs, medical expenses, legal defense fees and structural damage. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like scraping a guard rail, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses for things like hospital visits, nursing services, EMT expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Volkswagen Golf.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.