1998 Volkswagen Golf Insurance Quotes

I can’t think of anyone who loves paying for auto insurance, in particular when it costs too dang much. Companies like Allstate, Liberty Mutual and State Farm continually hit you with ad campaigns and it is difficult to sift through the bull and effectively compare rates to find the best deal.

If you have a policy now or need new coverage, you can learn to shop for the lowest rates while maintaining coverages. Finding affordable coverage is quite easy. Drivers just need to understand the tricks to compare prices on the web.

How to get car insurance quotes

There are several ways you can shop for car insurance but one way is more efficient than others. You could waste a few hours talking to agents in your area, or you can stay home and use online quoting to achieve your goal.

Many of the larger companies are enrolled in a marketplace where prospective buyers submit their information once, and every company then returns a price quote. This system prevents you from having to do repetitive form submissions for each company.

To access this free quoting program, click here (opens in new window).

One minor caviat to pricing coverage this way is you are unable to specify which carriers to get quotes from. So if you want to select from a list of companies to receive pricing from, we have assembled a list of car insurance companies in your area. Click to view list.

Whichever way you use, ensure you’re using nearly identical coverage limits for every quote you compare. If each company quotes different deductibles then you won’t be able to determine which rate is truly the best.

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Earn discounts to get lower-cost insurance rates

Insurance is expensive, but you may find discounts that you may not even know about. Many discounts should be triggered at the time of purchase, but some discounts are required to be inquired about before they will apply. If you are not receiving all the discounts possible, you could be saving more on your insurance.

• First Accident Forgiveness – Not necessarily a discount, but some companies like State Farm and Geico will forgive one accident without getting socked with a rate hike so long as you haven’t had any claims before the accident.
• Good Drivers – Drivers without accidents can pay as much as 50% less on Golf insurance than their less cautious counterparts.
• Multi-policy Discount – When you combine your auto and home insurance with the same insurance company they may give you a discount of at least 10 to 15 percent or more.
• Discount for Life Insurance – Insurance companies who offer life insurance give a small discount if you purchase life insurance from them.
• Early Switch Discount – Some insurance companies provide a discount for switching companies before your current expiration date. You can save around 10% with this discount.
• Fewer Miles Equal More Savings – Keeping the miles down on your Volkswagen may enable drivers to earn discounted premium rates on garaged vehicles.
• ABS Braking Discount – Vehicles that have anti-lock braking systems have fewer accidents so companies give up to a 10% discount.

A quick disclaimer, most of the big mark downs will not be given the the whole policy. Most cut specific coverage prices like comp or med pay. So even though they make it sound like you could get a free insurance policy, it’s just not the way it works.

To see providers that offer many of these discounts, follow this link.

Informed consumers can reduce insurance rates

Lots of factors are considered when you quote your car insurance policy. Some are pretty understandable such as traffic violations, but some are less obvious like your vehicle usage and annual miles driven.Consumers need to have an understanding of the different types of things that help determine your car insurance rates. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that will entitle you to better car insurance rates.

Listed below are some of the factors car insurance companies consider when setting your premiums.

• Having a spouse pays dividends – Being married actually saves money when buying car insurance. It generally demonstrates drivers are more stable financially and it’s statistically proven that married drivers get in fewer accidents.
• Be proud to be claim-free – Auto insurance companies give discounts to people who are not frequent claim filers. If you file claims often, you can pretty much guarantee much higher rates or policy non-renewal. Insurance coverage is designed for major claims that would cause financial hardship.
• Discounts for auto and home policies – The majority of insurers will award discounts to insureds who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be ten or even fifteen percent. Even with this discount, you may still want to comparison shop to confirm you are receiving the best rates possible.
• Obey driving laws and save – Your driving citation history impacts premiums far more than you think. Attentive drivers get better prices compared to drivers with tickets. Having a single moving violation can boost insurance rates by twenty percent. Drivers unfortunate enough to have flagrant tickets such as DWI, reckless driving or hit and run convictions are required to maintain a SR-22 to the state department of motor vehicles in order to legally drive a vehicle.
• Men drivers tend to cost more – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that females are better drivers. Men and women cause accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Not only are claims higher, but men have more aggressive citations like reckless driving and DUI.
• Premiums are affected by your credit history – Credit history will be a significant factor in determining premium rates. Therefore, if your credit history can use some improvement, you could pay less to insure your 1998 Volkswagen Golf by improving your rating. Insureds that have very high credit ratings tend to be better drivers and file fewer claims than those with bad credit.
• Lower prices with GPS tracking and theft deterrents – Selecting a car model with a theft deterrent system can help bring down rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent your car from being stolen.
• Low deductibles mean high rates – Coverage for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your Volkswagen. A few examples of covered claims would be running into the backend of another car, hail damage, or theft. The deductibles you choose define the amount you are willing to pay out-of-pocket before your car insurance pays a claim. The more of the claim you’re willing to pay, the lower your rates will be on Golf insurance.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that For example, these questions might help in determining if your situation might need professional guidance.

• Should I bundle my homeowners policy with my auto?
• How high should deductibles be on a 1998 Volkswagen Golf?
• If I drive on a suspended license am I covered?
• Does my car insurance cover rental cars?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Which is better, split liability limits or combined limits?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

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Car insurance companies are expert advertisers

Consumers can’t get away from ads that claim the best premium rates by companies like Progressive, Geico, Allstate and State Farm. All the ads say the same thing about savings just by moving your policy.

How is it possible that every company can offer you a better deal? It’s all in how they say it.

Many companies quote their best rates for the driver that earns them a profit. One example of a driver they prefer might be described as between the ages of 30 and 45, has a clear driving record, and drives a car with an anti-theft system. A customer who fits those characteristics will get very good premium rates and have a good chance to save a lot if they switch.

People who fall outside this stringent profile will be charged a higher rate which results in the customer not buying. If you listen to the ad wording, they say “people that switch” not “all people who quote” save money. That’s the way companies can truthfully lure you into getting a quote.

Different companies use different criteria so you absolutely need to get price quotes at each policy renewal. You cannot predict which insurance companies will give you lower rates than your current company.

Car insurance 101

Learning about specific coverages of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most insurance policies.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, a broken windshield, damage from a tornado or hurricane and hail damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sideswiping another vehicle, crashing into a ditch, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Volkswagen Golf.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses for things like ambulance fees, nursing services, prosthetic devices, funeral costs and hospital visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto liability

Liability insurance protects you from damage that occurs to a person or their property that is your fault. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like medical expenses, pain and suffering and court costs. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Money doesn’t grow on trees

Cheaper insurance coverage is attainable from both online companies and also from your neighborhood agents, and you should be comparing both to have the best selection. Some insurance providers do not provide online rate quotes and many times these regional carriers only sell through independent agencies.

When searching for inexpensive insurance coverage quotes, you should never sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. Your objective should be to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

Additional information can be read on the following sites:

• Vehicle Insurance in the U.S. (Wikipedia)
• Rental Car Insurance Tips (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)

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