View 2001 Volkswagen Golf Car Insurance Quotes

Looking for better insurance rates for your Volkswagen Golf? Expensive insurance can dwindle your savings and force you to tighten up your finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to cut your insurance bill.

Popular companies such as State Farm, Progressive and Geico persitently shower you with catchy ads and it is difficult to avoid their marketing magic and effectively compare rates to find the best deal.

If you are paying for car insurance now, you will most likely be able to save some money using this strategy. Choosing the best insurance company for you is not that difficult. Although drivers must know the way companies compete online and use this information to your advantage.

Take advantage of these discounts

Some insurance providers don’t necessarily list all their discounts very clearly, so the below list has some of the more common in addition to some of the lesser obvious discounts that you may qualify for.

• Active Military Service – Having a deployed family member may qualify for rate reductions.
• No Accidents – Claim-free drivers can earn big discounts as opposed to policyholders that have many claims.
• Government Employee Discount – Active or retired federal employment could qualify for a slight premium decrease on Golf insurance with select insurance companies.
• Renewal Discounts – A few insurance companies offer discounts for buying a new policy prior to the expiration date on your current policy. You may see this discount when you get insurance coverage quotes online.
• More Vehicles More Savings – Insuring primary and secondary vehicles with the same car insurance company can get a discount for every vehicle.
• Multiple Policy Discount – If you combine your auto and homeowners policies and insure them with the same company you will save at least 10% off all policies.
• Defensive Driver – Successfully completing a class that teaches defensive driver techniques can save you 5% or more and easily pay for the cost of the class.
• Air Bag Discount – Vehicles equipped with air bags can receive discounts of 25 to 30%.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, car insurance companies aren’t that generous.

A few of the larger companies and their offered discounts are:

• State Farm offers premium reductions for driver’s education, safe vehicle, anti-theft, multiple policy, accident-free, defensive driving training, and passive restraint.
• Farmers Insurance policyholders can earn discounts including youthful driver, mature driver, distant student, bundle discounts, and good student.
• Geico includes discounts for air bags, multi-vehicle, daytime running lights, anti-lock brakes, good student, federal employee, and defensive driver.
• American Family has savings for air bags, good driver, multi-vehicle, Steer into Savings, mySafetyValet, and good student.
• Nationwide may include discounts for Farm Bureau membership, defensive driving, multi-policy, good student, anti-theft, and accident-free.
• Progressive has discounts for good student, online quote discount, online signing, multi-vehicle, and continuous coverage.

Double check with every prospective company which discounts you may be entitled to. Some credits may not apply to policyholders in your area. To locate insurers who offer car insurance discounts, follow this link.

Special considerations

When buying adequate coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. For example, these questions could help you determine whether you would benefit from an agent’s advice.

• What are the financial responsibility laws in my state?
• Is my dog or cat covered if injured in an accident?
• When would I need rental car insurance?
• What is PIP insurance?
• Is my camper covered by my car insurance policy?
• Will my insurance pay for OEM parts?
• Can I still get insurance after a DUI?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Coverages available on your policy

Having a good grasp of your car insurance policy aids in choosing the right coverages for your vehicles. Car insurance terms can be confusing and even agents have difficulty translating policy wording. These are the normal coverages found on the average car insurance policy.

Comprehensive car insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from flooding, a tree branch falling on your vehicle and rock chips in glass. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for bills like surgery, funeral costs, rehabilitation expenses and hospital visits. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Volkswagen Golf.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverage

This can cover damage or injury you incur to a person or their property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things like pain and suffering, emergency aid, loss of income and funeral expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Be a smart shopper

You just learned a lot of ways to get a better price on 2001 Volkswagen Golf insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your car insurance rates. You may even discover the lowest rates are with the smaller companies. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

As you restructure your insurance plan, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where someone dropped liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your objective should be to get the best coverage possible for the lowest cost, but do not skimp to save money.

Low-cost 2001 Volkswagen Golf insurance can be purchased online in addition to many insurance agents, and you should compare rates from both so you have a total pricing picture. Some companies don’t offer internet price quotes and most of the time these small, regional companies work with independent insurance agents.

To learn more, take a look at the resources below:

• Smart Auto Insurance Tips (Insurance Information Insitute)
• Should I Buy a New or Used Car? (Allstate)
• Anti-Lock Brake FAQ (iihs.org)
• How do I File a Claim? (Insurance Information Insitute)