2011 Volkswagen Golf Car Insurance Rates

Searching for cheaper insurance rates for your Volkswagen Golf? If you’ve never shopped for insurance quotes online, it’s easy to get baffled thanks to the vast number of online insurance companies and websites all offering big savings.

The quickest method to get policy rate comparisons is to know the fact most of the larger companies provide online access to give rate comparisons. To get started, all you need to do is spend a couple of minutes providing details such as if a SR-22 is required, what you do for a living, how much coverage you want, and if it has an anti-theft system. Your details gets sent immediately to insurance companies and you get price estimates instantly.

Are you falling for claims of savings?

Respected companies like State Farm, Geico and Progressive regularly use ads on television and other media. All the companies have a common claim that drivers will save a bundle if you move your coverage. Is it even possible that every company can say the same thing?

Insurance providers have underwriting criteria for the type of driver that will generate a profit. For instance, this type of driver may need to be between the ages of 30 and 50, has never had a policy lapse, and drives a car with an anti-theft system. Any new insured that hits that “sweet spot” will probably get the lowest car insurance rates and will pay quite a bit less when switching companies.

Insureds who fall short of those criteria will be quoted a more expensive rate and business going elsewhere. If you listen to the ad wording, they say “customers who switch” not “everyone who quotes” save that kind of money. That is how companies can make those statements.

Because of these techniques, you really need to compare many company’s car insurance rates. Because you cannot predict which insurance companies will have the best rates at this point in time.

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Informed decisions result in lower insurance premiums

It’s important that you understand the different types of things that are used to determine your insurance rates. If you have some idea of what determines premiums, this helps enable you to make changes that could result in lower premium levels. Many factors are taken into consideration when pricing auto insurance. Some are pretty understandable such as your driving record, but some are not quite as obvious like your vehicle usage and annual miles driven.

• Low comp and collision deductibles mean high costs – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. Some instances where coverage would apply are colliding with a building, damage caused by hail, and rolling your vehicle. Comprehensive and collision coverage deductibles are the amount of money you are willing to pay if a claim is determined to be covered. The larger the amount you are required to pay out-of-pocket, the less money you will pay for insurance for Golf insurance.
• Cars with good safety ratings mean better premiums – Cars with five star safety ratings are cheaper to insure. Safer cars result in less severe injuries and reduced instances of injuries means less money paid by your insurance company which can result in lower premiums.
• Claim-free discounts can add up – Companies provide discounts to insureds who are claim-free. If you’re an insured who likes to file claims you can expect either higher rates or even cancellation. Insurance coverage is designed for major claims that would cause financial hardship.
• Optional features can affect rates – Buying a car with an alarm system can get you a discount on your insurance. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent car theft.
• Premiums are high for teenagers – Young drivers are statistically shown to be inattentive and easily distracted with other occupants in the car therefore insurance rates are much higher. Adding a teen driver to your policy can be quite pricey. Older people are more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.

Get cheap rates by getting discounts

Some companies don’t always publicize every available discount in a way that’s easy to find, so the list below gives a summary of a few of the more common and also the more inconspicuous ways to save on insurance.

• Multi-policy Discount – If you can combine your home and auto policy with the same company you could save up to 20% off your total premium.
• Telematics Data – Drivers who agree to allow their insurance company to study their driving habits remotely such as Progressive’s Snapshot may get a rate reduction if they have good driving habits.
• Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you better prices if you take out auto and life insurance together.
• Low Miles Discount – Fewer annual miles on your Volkswagen could qualify for lower premium rates due to less chance of an accident.
• Student Discounts – This discount can get you a discount of up to 25%. This discount can apply until age 25.
• Student Discount for Driver Training – Cut your cost by having your teen driver complete a driver education course in school.
• Theft Prevention System – Cars and trucks that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
• Save with More Vehicles Insured – Insuring multiple vehicles on one policy may reduce the rate for each vehicle.

Remember that most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though you would think it’s possible to get free car insurance, you won’t be that lucky.

A few popular companies and a selection of discounts can be found below.

• American Family policyholders can earn discounts including good student, good driver, bundled insurance, early bird, Steer into Savings, multi-vehicle, and TimeAway discount.
• Nationwide may include discounts for family plan, good student, defensive driving, easy pay, and Farm Bureau membership.
• MetLife discounts include accident-free, good driver, claim-free, defensive driver, good student, and multi-policy.
• 21st Century may have discounts that include early bird, 55 and older, automatic seat belts, theft prevention, teen driver, driver training, and anti-lock brakes.
• Farmers Insurance offers discounts including mature driver, electronic funds transfer, multi-car, alternative fuel, bundle discounts, good student, and teen driver.
• Allstate has discounts for 55 and retired, anti-theft, economy car, teenSMART discount, and multi-policy.

If you need lower rates, check with every company how you can save money. Some credits might not be offered on policies in every state. To view insurance companies with the best insurance discounts, follow this link.

Your insurance coverage coverage should be tailored to you

When choosing the right insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is unique.

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

• Should I file a claim if it’s only slightly more than my deductible?
• Is borrowed equipment or tools covered if stolen or damaged?
• Do I need rental car coverage?
• Does car insurance cover theft of personal property?
• Is my ex-spouse still covered by my policy?
• What if I don’t agree with a claim settlement offer?
• I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions but you know they apply to you, 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.

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Insurance coverage breakdown

Knowing the specifics of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like funeral costs, dental work and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Collision coverages – Collision insurance covers damage to your Golf resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with a tree, sideswiping another vehicle, colliding with another moving vehicle, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, a tree branch falling on your vehicle and hitting a bird. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages – This coverage can cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as medical expenses, medical services, structural damage, funeral expenses and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage – This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Volkswagen Golf.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

One last thing

More affordable insurance is attainable online and with local insurance agents, so you should compare both to have the best rate selection. Some companies do not provide the ability to get quotes online and usually these smaller providers work with independent agents.

When shopping online for insurance, it’s not a good idea to skimp on coverage in order to save money. Too many times, an insured dropped collision coverage and discovered at claim time that they should have had better coverage. The aim is to buy a smart amount of coverage at the best cost, not the least amount of coverage.

We just presented many ideas to shop for 2011 Volkswagen Golf insurance online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the best premium rates are with the smaller companies.

Additional information

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Red Light Cameras (State Farm)
• Older Drivers FAQ (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)

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