1999 Volkswagen Golf Insurance Quotes

Consumers have many options when looking for low-cost Volkswagen Golf insurance. You can either waste hours contacting agents getting price quotes or utilize the internet to get rate quotes. There are both good and bad ways to compare insurance coverage rates so you’re going to learn the quickest way to quote coverages for a Volkswagen and obtain the cheapest rates either online or from local insurance agents.

Automobile Insurance Quotes

All the larger car insurance companies give prices for coverage on the web. The process doesn’t take a lot of time as you simply type in the coverage amounts you desire as requested by the quote form. When complete, their system requests information on your driving record and credit history and gives you a price quote based on these and other factors.

Quoting online makes comparing rates easy, but having to visit many different websites and type in the same information is monotonous and tiresome. But it is imperative to get many rate quotes in order to find better prices.

A more efficient way to get multiple rate quotes uses one simple form to return rates from more than one company. The form is fast, eliminates repetitive work, and makes price shopping online much more enjoyable and efficient. Immediately after you send the form, your coverage is rated and you can choose any or none of the pricing results. If the quotes result in lower rates, you can click and sign and purchase the new policy. The whole process takes 15 minutes at the most and may save quite a bit of money.

If you want to compare rates now, click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you enter coverages and limits as shown on your current policy. This guarantees you will have rate comparison quotes using the same coverage and limits.

Verify you’re getting all your discounts

Auto insurance companies don’t necessarily list every available discount very well, so we break down both the well known and also the lesser-known insurance coverage savings. If you don’t get every credit available, you are paying more than you should be.

  • New Car Discount – Insuring a new car is cheaper since new cars are generally safer.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less for Golf insurance than drivers with accidents.
  • Homeowners Savings – Being a homeowner can help you save on insurance coverage because of the fact that having a home is proof that your finances are in order.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Drive Less and Save – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Golf insurance depending on your company.
  • Resident Student – Any of your kids living away from home attending college and do not have a car may qualify for this discount.
  • Life Insurance – Some companies give better rates if you take out life insurance.

It’s important to note that most credits do not apply to the entire cost. Most cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you could get a free insurance coverage policy, you won’t be that lucky.

Insurance companies that may offer these money-saving discounts include:

Check with all companies you are considering how you can save money. Savings may not apply in every state.

When should I talk to an agent?

When it comes to buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • Am I covered when driving a rental car?
  • Does insurance cover damages from a DUI accident?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I missing any policy discounts?
  • Are rock chip repairs covered?
  • Does my policy pay for OEM or aftermarket parts?
  • Why do I need rental car insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How can I force my company to pay a claim?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Insurance coverage considerations

Understanding the coverages of a insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive auto coverage

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as a tree branch falling on your vehicle, falling objects, hitting a bird, fire damage and hitting a deer. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for liability

Liability insurance protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers claims like loss of income, attorney fees, structural damage, funeral expenses and court costs. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for bills like prosthetic devices, dental work and surgery. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Volkswagen Golf.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Collision insurance

This coverage will pay to fix damage to your Golf resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a building, hitting a parking meter, driving through your garage door and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.