Save on 2013 Volkswagen Golf Insurance Cost

Trying to find better insurance rates? Buyers have a choice when searching for the lowest priced Volkswagen Golf insurance. You can either spend your time struggling with agents trying to get quotes or use the internet to make rate comparisons.

There are both good and bad ways to compare insurance rates so we’re going to tell you the best way to get price quotes for a new or used Volkswagen and find the lowest possible price either online or from local insurance agents.

It’s a great practice to check insurance prices at least once a year due to the fact that insurance prices go up and down regularly. If you had the lowest quotes for Golf insurance six months ago you may be paying too much now. Forget anything you know (or think you know) about insurance because you’re about to find out how to use the internet to properly buy coverages while reducing your premium.

This article will help educate you on the best way to quote coverages and some tricks to saving. If you currently have a car insurance policy, you will be able to cut costs considerably using these tips. Drivers only need an understanding of the most efficient way to compare rates on the web.

Insurance rates and discounts

Companies that sell car insurance don’t necessarily list every policy discount very clearly, so we took the time to find both the well known and the more hidden credits that may apply to you.

• Data Collection Discounts – Policyholders that allow driving data submission to look at where and when they drive by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease as long as they are good drivers.
• Discounts for Good Drivers – Accident-free drivers can save as much as half off their rates for Golf insurance compared to accident prone drivers.
• Early Renewal Discounts – A few insurance companies allow discounts for switching companies prior to your current policy expiring. It can save you around 10%.
• Payment Method – If you can afford to pay the entire bill instead of paying each month you may have a lower total premium amount.
• New Vehicle Savings – Buying a new car instead of a used car can save you some money because new model year vehicles keep occupants safer.
• Professional Organizations – Participating in qualifying employment or professional organizations could earn you a nice discount on your policy.
• Safety Restraint Discount – Drivers who require all vehicle occupants to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.

Discounts save money, but please remember that most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, it’s just not the way it works.

To see insurance companies with the best discounts, click here to view.

Situations that may require an agent’s advice

When it comes to buying proper insurance coverage, there is no “perfect” insurance plan. Each situation is unique.

For instance, these questions could help you determine if your situation might need an agent’s assistance.

• Do I need to file an SR-22 for a DUI in my state?
• Should I have a commercial auto policy?
• Can I rate high risk drivers on liability-only vehicles?
• Am I covered by my spouse’s policy after a separation?
• Does coverage extend to Mexico or Canada?
• How many claims can I have before being cancelled?
• What is PIP insurance?
• Will my rates increase for filing one claim?
• Are my friends covered when driving my 2013 Volkswagen Golf?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Specifics of your insurance policy

Understanding the coverages of insurance aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Liability auto insurance – This coverage will cover injuries or damage you cause to other people or property. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things like medical services, loss of income and bail bonds. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Comprehensive protection – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

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

Uninsured or underinsured coverage – This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2013 Volkswagen Golf.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills like hospital visits, funeral costs, prosthetic devices and ambulance fees. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Collision – Collision insurance pays for damage to your Golf resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

The bottom line

We’ve covered some good ideas how you can shop for 2013 Volkswagen Golf insurance online. It’s most important to understand that the more times you quote, the better your chances of lowering your car insurance rates. Consumers could even find that the lowest rates are with the least-expected company.

Insureds leave their current company for any number of reasons including unfair underwriting practices, high rates after DUI convictions, not issuing a premium refund and even lack of trust in their agent. Regardless of your reason for switching companies, finding a new auto insurance company can be less work than you think.

Some auto insurance companies don’t offer price quotes online smaller companies sell through local independent agencies. Affordable 2013 Volkswagen Golf insurance is definitely available on the web and also from your neighborhood agents, and you should compare price quotes from both in order to have the best price selection to choose from.

Additional auto insurance information can be found on the following sites:

• State Laws for Cellphones and Texting (iihs.org)
• Car Insurance: When not to Skimp (BankRate.com)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)
• What is Gap Insurance? (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)