1993 Volkswagen Golf Insurance Cost – 10 Discounts for Best Prices

Want cheaper auto insurance rates? Drivers have options when trying to find affordable Volkswagen Golf insurance. They can either waste time struggling with agents trying to get quotes or leverage the internet to find the lowest rates.

There is a right way and a wrong way to buy auto insurance and you need to know the best way to quote coverages for your Volkswagen and get the best price possible.

Smart consumers take time to shop coverage around at least once a year since insurance rates change frequently. Just because you found the lowest price on Golf insurance a year ago you can probably find a lower rate today. So just block out anything you think you know about auto insurance because we’re going to show you how to quote online to remove unneeded coverages and save money.

You probably qualify for some discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be specially asked for before being credited. If you don’t get every credit you deserve, you are throwing money away.

  • Save over 55 – If you’re over the age of 55, you may be able to get a small decrease in premiums on Golf insurance.
  • Discount for Swiching Early – Select companies give a discount for switching policies before your current policy expires. The savings is around 10%.
  • Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates on Golf insurance than less cautious drivers.
  • Passive Restraints – Cars that have air bags or motorized seat belts may earn rate discounts up to 30%.
  • Government Employees – Employees or retirees of the government can save as much as 8% on Golf insurance with select insurance companies.
  • Organization Discounts – Participating in certain professional organizations is a good way to get lower rates when shopping for insurance on Golf insurance.
  • Discount for Life Insurance – Some companies give a discount if you purchase life insurance.
  • Accident Waiver – A few companies will allow you to have one accident before your rates go up if you are claim-free prior to the accident.
  • Good Student Discount – Performing well in school can save 20 to 25%. The discount lasts up to age 25.

Consumers should know that most discounts do not apply to your bottom line cost. 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, you’re out of luck. But any discount will cut your overall premium however.

To see a list of providers who offer insurance discounts, follow this link.

Free Quotes for Car Insurance

All major car insurance companies provide prices on their websites. Getting online quotes is fairly straightforward as you just enter the coverage amounts you desire as requested by the quote form. After you complete the form, their rating system requests reports for credit and driving violations and provides a quote.

Being able to quote online makes it a lot easier to compare rates but the work required to visit many different websites and enter the same data into a form is not the best way to spend an afternoon. But it is imperative to compare as many rates as possible if you want to find a better rate.

The smarter way to lower your rates utilizes a single form to get prices from more than one company. The form is fast, eliminates form submissions, and makes rate comparisons much simpler. After your information is entered, it is rated with multiple companies and you can pick any one of the returned quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The whole process can be completed in less than 10 minutes and may save quite a bit of money.

In order to find out how much you’re overpaying now, click here and complete the simple form. If you have your current policy handy, we recommend you enter the limits and deductibles just like they are on your policy. This helps ensure you will be getting an apples-to-apples comparison for exact coverage.

There’s no such thing as the perfect policy

When choosing the right insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining whether or not you may require specific advice.

  • Can I afford low physical damage deductibles?
  • How much liability do I need to cover my assets?
  • I don’t drive much so do I pay less?
  • Am I covered when using my vehicle for business?
  • Is my teen driver covered when they drive my company car?
  • What is high-risk coverage and where do I buy it?
  • When can my company non-renew my policy?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Car insurance coverages for a 1993 Volkswagen Golf

Knowing the specifics of your policy helps when choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as doctor visits, ambulance fees and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Coverage for liability – Liability insurance provides protection from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as bail bonds, structural damage, court costs, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Comprehensive insurance – This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, theft and damage from flooding. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverages – Collision insurance covers damage to your Golf resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like sustaining damage from a pot hole, hitting a mailbox, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 1993 Volkswagen Golf.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Do the work, save more money

You just learned quite a bit of information on how to save on 1993 Volkswagen Golf insurance. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even find the lowest rates come from the least-expected company.

Insureds switch companies for a number of reasons such as being labeled a high risk driver, high rates after DUI convictions, policy cancellation and even unfair underwriting practices. Whatever your reason, finding a new insurance coverage company can be pretty painless.

Low-cost insurance can be found on the web and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

More detailed insurance coverage information can be found in the articles below: