Save on 2005 Volkswagen Golf Car Insurance Rates

Finding lower premiums on auto insurance is always nearly impossible for consumers new to shopping for insurance online. There are so many options available that it can easily become a lot of work to find lower rates.

It’s smart to take a look at other company’s rates quite often since insurance rates are variable and change quite frequently. If you had the lowest price on Golf insurance a couple years back there is a good chance you can find better rates now. Don’t believe everything you read about auto insurance online, so by reading this article, you’re going to learn the best ways to find cheap auto insurance.

Buying cheaper coverage is not that difficult. Just about anyone who shops for auto insurance will be able to reduce their rates. But drivers must comprehend how big insurance companies price insurance differently.

How to Compare Car Insurance Quotes

To find the best car insurance prices, there are several ways of comparing rates and find the best price. The easiest way to find the cheapest 2005 Volkswagen Golf insurance rates involves getting comparison quotes online. This is very easy and can be done in a couple of different ways.

The easiest and least time consuming way to find low rates is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do boring form submissions to each individual car insurance company. One simple form gets you price quotes direct from many companies. It’s the fastest way to compare.

A harder way to compare prices requires a trip to each company website to complete a price quote. For example, we’ll assume you want to compare rates from USAA, Safeco and Liberty Mutual. To get each rate you have to spend time on each company’s site and enter your information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

The hardest method to get comparison rates is driving around to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless you require the professional guidance only provided by licensed agents. It is possible to find lower rates online and get advice from an agent in your area and we’ll touch on that later.

Whichever method you choose, make darn sure you compare the exact same information with each company. If your comparisons have mixed coverages it will be very difficult to determine the lowest rate for your Volkswagen Golf. Slightly different coverages could mean much higher rates. And when price shopping your coverage, obtaining a wide range of quotes will increase your chances of finding better pricing.

Discounts are basically free money

The price of auto insurance can be rather high, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be applied at the time you complete a quote, but some must be manually applied before you get the savings.

  • Paperless Signup – A few companies may give you up to $50 simply for signing over the internet.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Multi-car Discount – Buying coverage for more than one vehicle with the same company can get a discount on all vehicles.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Organization Discounts – Affiliation with certain professional organizations could qualify you for a break on your policy on Golf insurance.
  • Good Student – This discount can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident before raising your premiums if your claims history is clear prior to the accident.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Multi-policy Discount – If you have multiple policies with the same company you may earn 10% to 20% off each policy.

Keep in mind that some credits don’t apply to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way. But any discount will help reduce the cost of coverage.

To see a list of insurers offering insurance discounts, follow this link.

Which insurance is the “right” coverage?

When choosing the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions can aid in determining whether you would benefit from an agent’s advice.

  • What is the minimum liability in my state?
  • Does my car insurance cover rental cars?
  • How can I force my company to pay a claim?
  • Is my nanny covered when driving my vehicle?
  • Is upholstery damage covered by car insurance?
  • When can my company non-renew my policy?
  • How much can I save by bundling my policies?
  • Am I covered if I crash into my own garage door?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my Volkswagen Golf covered if I use it for business?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form.

Auto insurance coverages

Having a good grasp of your car insurance policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Liability coverages – This protects you from damage that occurs to other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like medical expenses, medical services and bail bonds. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like surgery, rehabilitation expenses and pain medications. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision – Collision insurance covers damage to your Golf caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, sideswiping another vehicle, backing into a parked car, hitting a mailbox and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, damage from a tornado or hurricane and fire damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.