2014 Volkswagen Golf Insurance Rates

Pricey car insurance can consume your accounts and put a big crunch on your finances. Comparison shopping can save money and help to make ends meet.

Lots of insurance companies contend for your business, so it can be very hard to choose a insurance company and get the best coverage at the best rates possible.

How to compare free car insurance quotes

There are a lot of ways you can shop for car insurance but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day driving to agents in your area, or you could save time and use online quotes to get the quickest rates.

Many of the larger companies participate in a marketplace that enables customers to submit one quote, and at least one company returns a rated price for coverage. This eliminates the need for quote requests for each company you want a rate for.

To compare rates now click here to open in new window.

The one downside to comparing rates this way is you can’t choose which carriers you want to price. If you would rather choose specific providers to request quotes from, we put together a list of companies who write car insurance in your area. Click to view list.

Whichever way you choose to compare rates, make sure you compare equivalent coverage limits and deductibles on every price quote you get. If you compare mixed coverages then you won’t be able to find the best deal for your Volkswagen Golf. Slightly different coverages can mean a large discrepancy in price. It’s important to know that quoting more will increase your chances of finding a lower rate than you’re paying now.

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Is there truth in advertising?

Insurance providers like State Farm and Allstate constantly bombard you with ads on TV and radio. All the companies make the point that people will save if you move your coverage to them. How is it possible that every company can give you a lower rate? Here is the trick they use.

Many companies have strict underwriting profiles for the type of customer that earns them a profit. For example, a profitable insured could be over the age of 50, has no prior claims, and drives a car with an anti-theft system. A driver who matches that profile will get very good rates and will save if they switch.

Drivers who do not meet those standards will probably be forced to pay higher premium rates with the end result being the customer buying from a different company. If you listen to the ad wording, they say “people who switch” not “everybody who quotes” save that much. That is how companies can truthfully lure you into getting a quote.

Because of these techniques, it is so important to compare as many free auto insurance quotes as you can. It is just not possible to predict which insurance companies will give you the biggest savings.

What affects Volkswagen Golf insurance rates?

Many factors are part of the calculation when you quote your car insurance policy. Some are obvious such as your driving record, but other criteria are less apparent like where you live or your commute time.

Listed below are just a few of the factors used by companies to determine your rate level.

• Cheaper rates for prior coverage – Driving without insurance coverage in place is a misdemeanor and your next policy will cost more because you let your insurance lapse. In addition to paying higher premiums, being ticketed for driving with no insurance can result in a license revocation or jail time. You may have to file a SR-22 with your state motor vehicle department.
• Getting married can save on auto insurance – Getting married may earn you lower rates when buying auto insurance. Marriage generally demonstrates drivers are more stable financially and insurance companies like that being married results in fewer claims.
• With age comes lower costs – More experienced drivers are viewed as being more responsible, tend to cause fewer accidents .Inexperience drivers have been known to be inattentive when at the wheel of a vehicle and because of this, their auto insurance rates are much higher.
• Where you live can impact rates – Living in less populated areas of the country is a good thing when trying to find low car insurance rates. People in densly populated areas tend to have more auto accidents and longer commute times. Fewer drivers and short commutes means less chance of accidents in addition to fewer liability claims.

Cheaper rates by taking advantage of discounts

Insurance coverage is easily one of your largest bills, but you might be missing out on some discounts that many people don’t even know exist. A few discounts will be applied when you get a quote, but some need to be specially asked for before being credited.

• Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
• College Student Discount – College-age children living away from home attending college and leave their car at home could get you a discount.
• Discount for Multiple Policies – If you insure your home and vehicles with one insurance company they may give you a discount of at least 10 to 15 percent or more.
• Include Life Insurance and Save – Larger companies have a break if you buy a life policy as well.
• Driver Safety – Completing a class that teaches defensive driving techniques can save you 5% or more and make you a better driver.
• Renewal Discounts – Select insurance coverage companies give a discount for signing up prior to the expiration date on your current policy. It could save around 10% when you buy auto insurance online.
• Professional Memberships – Having an affiliation with a qualifying organization is a good way to get lower rates on your next insurance coverage statement.
• Cautious Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less for Golf insurance than their less cautious counterparts.
• Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive and the ABS can save up to 10%.

Please keep in mind that many deductions do not apply to the entire policy premium. Most only reduce specific coverage prices like comprehensive or collision. Just because you may think it’s possible to get free car insurance, it just doesn’t work that way.

Larger insurance coverage companies and their possible discounts can be found below.

• Farmers Insurance may have discounts that include multi-car, switch companies, distant student, mature driver, and youthful driver.
• State Farm may include discounts for safe vehicle, passive restraint, Drive Safe & Save, good driver, multiple autos, and defensive driving training.
• Liberty Mutual offers discounts for safety features, new graduate, exclusive group savings, hybrid vehicle, newly married, and multi-policy.
• MetLife discounts include good student, good driver, claim-free, multi-policy, and accident-free.
• Progressive policyholders can earn discounts including good student, multi-vehicle, homeowner, online quote discount, continuous coverage, online signing, and multi-policy.

If you want the cheapest auto insurance quotes, ask each company which discounts can lower your rates. Discounts may not apply in every state. To view insurance companies who offer discounts, click here to view.

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How much auto insurance do I need?

When it comes to choosing coverage for your vehicles, there is no one size fits all plan. Every insured’s situation is different so this has to be addressed. These are some specific questions may help you determine if your insurance needs would benefit from professional advice.

• Am I covered if I crash into my own garage door?
• How can I force my company to pay a claim?
• How much liability insurance is required?
• Will I lose any money if I cancel my policy before it expires?
• I have good health insurance, so how much medical payments coverage do I need?
• Is business property covered if stolen from my car?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

The coverage is in the details

Knowing the specifics of your 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 ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average insurance policy.

Collision coverage protection

This coverage pays for damage to your Golf resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a mailbox, driving through your garage door, scraping a guard rail, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability car insurance

Liability coverage protects you from damage that occurs to other people or property. This insurance protects YOU against claims from other people, and 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 liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair costs for stationary objects, medical expenses, legal defense fees, repair bills for other people’s vehicles and structural damage. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as chiropractic care, X-ray expenses, prosthetic devices, hospital visits and doctor visits. They can be utilized in addition to 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 being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, damage from getting keyed and hitting a bird. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Volkswagen Golf.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually the UM/UIM limits are set the same as your liablity limits.

A little work can save a LOT of money

As you shop your coverage around, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where someone dropped liability limits or collision coverage and found out when filing a claim that it was a big error on their part. The proper strategy is to buy enough coverage at the best possible price, but do not skimp to save money.

We just covered some good ideas how to get a better price on 2014 Volkswagen Golf insurance. The key thing to remember is the more you quote auto insurance, the better likelihood of getting inexpensive auto insurance. Consumers could even find that the lowest premium rates come from a small local company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

Additional auto insurance information is located below:

• Should I Buy a New or Used Car? (Allstate)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• Speed and Speed Limit FAQ (iihs.org)
• Rental Reimbursement Coverage (Allstate)

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