2000 Volkswagen Golf Insurance Quotes – 5 Ideas for Cheaper Rates

Searching for lower insurance coverage rates for your Volkswagen Golf? Locating low-cost insurance for a Volkswagen Golf can turn out to be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to compare insurance coverage rates so you’re going to learn the best way to compare rates on a Volkswagen and get the cheapest rates either online or from local insurance agents.

If you are insured now or need new coverage, you can use this information to find better prices and possibly find even better coverage. Pricing affordable auto insurance is not that difficult. Vehicle owners just need to know the tricks to buy auto insurance on the web.

Insurance policy discounts you can’t miss

Some insurers don’t always publicize all available discounts in a way that’s easy to find, so the list below contains some of the more common and also the more inconspicuous discounts that you may qualify for.

• No Charge for an Accident – Not a discount per se, but a few companies such as Libery Mutual, Geico and Allstate may permit one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
• Low Mileage Discounts – Low annual miles may enable drivers to earn lower insurancerates due to less chance of an accident.
• Discounts for Government Workers – Active or retired federal employment can earn a discount up to 10% for Golf insurance depending on your company.
• Multi-car Discount – Having all your vehicles with the same insurance company may reduce the rate for each vehicle.
• Accident-Free Discounts – Claim-free drivers have much lower rates when compared to frequent claim filers.

Policy discounts save money, but most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

A list of insurance companies and some of the premium reductions they offer can be read below.

• Farm Bureau offers discounts including multi-vehicle, multi-policy, safe driver, youthful driver, driver training, good student, and renewal discount.
• MetLife may include discounts for accident-free, defensive driver, claim-free, good driver, good student, multi-policy
• Progressive offers discounts for good student, multi-policy, multi-vehicle, homeowner, and continuous coverage.
• AAA may offer discounts for multi-car, good driver, education and occupation, anti-theft, pay-in-full, and AAA membership discount.
• American Family may have discounts that include good student, accident-free, Steer into Savings, bundled insurance, mySafetyValet, and air bags.
• Geico discounts include daytime running lights, defensive driver, seat belt use, multi-vehicle, multi-policy, military active duty, and membership and employees.
• State Farm has savings for good driver, anti-theft, Steer Clear safe driver discount, good student, and passive restraint.

Before purchasing a policy, check with each company or agent to give you their best rates. All car insurance discounts may not be offered in your area. For a list of insurance companies who offer cheap insurance quotes, click this link.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Insurance agents can help

When it comes to choosing the best car insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine whether or not you might need an agent’s assistance.

• What if I total my 2000 Volkswagen Golf and owe more than it’s worth?
• Will I be non-renewed for getting a DUI or other conviction?
• Is motorclub coverage worth it?
• Will my insurance pay for OEM parts?
• Am I covered if my car is in a flood?
• What can I do if my company won’t pay a claim?
• What are the financial responsibility laws in my state?
• Who is covered when they drive my 2000 Volkswagen Golf?
• Can my babysitter drive my car?
• Should I have a commercial auto policy?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Do drivers who switch really save?

Consumers can’t get away from all the ads that promise big savings for switching by State Farm, Allstate and Geico. They all say the same thing that you’ll save big if you switch your auto insurance coverage to their company.

How does every auto insurance company make almost identical claims? It’s all in how they say it.

Companies have a certain “appetite” for the type of driver that will generate a profit. A good example of this type of driver should be over the age of 45, has never had a policy lapse, and has great credit. A driver that meets those criteria will get a cheap rate quote and will save when they switch companies.

Potential customers who are not a match for the “perfect” profile will be quoted higher rates which leads to the customer not purchasing. Company advertisements say “people that switch” not “everyone who quotes” save money. That’s the way insurance companies can confidently make those claims.

This really emphasizes why drivers must compare many company’s prices. Because you cannot predict which company will give you the biggest savings.

Auto insurance policy coverages for a Volkswagen Golf

Having a good grasp of your policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive (Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, damage from flooding, a tree branch falling on your vehicle, falling objects and a broken windshield. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your 2000 Volkswagen Golf.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

Collision insurance

Collision insurance covers damage to your Golf caused by collision 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 things such as sideswiping another vehicle, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Auto liability

This coverage can cover damage that occurs to other’s property or people by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers claims such as legal defense fees, court costs, bail bonds, medical expenses and medical services. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Medical expense insurance

Med pay and PIP coverage pay for expenses like nursing services, pain medications and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

A penny earned…

Consumers who switch companies do it for a number of reasons such as extreme rates for teen drivers, being labeled a high risk driver, lack of trust in their agent or even delays in responding to claim requests. Whatever your reason, finding a new insurance company is pretty simple and you could end up saving a buck or two.

We just showed you a lot of techniques to compare 2000 Volkswagen Golf insurance premium rates online. The key concept to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the lowest premium rates are with a small local company.

As you quote auto insurance, it’s a bad idea to sacrifice coverage to reduce premiums. Too many times, someone dropped full coverage and found out when filing a claim that the small savings ended up costing them much more. The aim is to purchase plenty of coverage for the lowest price while still protecting your assets.

Even more information is located by following these links:

• Insurance Losses by Make and Model (iihs.org)
• All About Airbag Safety (State Farm)
• Your Car has been Stolen: Now What? (Allstate)
• Safety Features for Your New Car (State Farm)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption