Lower Your 1996 Volkswagen Golf Insurance Quotes

No one in their right mind looks forward to buying insurance, especially knowing their premiums are too high.

Insurance companies such as GEICO and Progressive continually bombard you with catchy ads and it can be hard to ignore the flashy ads and find the best price available.

Be sure to get all your discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that many people don’t even know exist. Some discounts apply automatically at quote time, but some may not be applied and must be specially asked for before being credited.

  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you will save up to 20% off your total premium.
  • Resident Student – Children living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Defensive Driving Course – Taking part in a defensive driving course could save 5% or more depending on where you live.
  • Early Switch Discount – Select companies give a discount for switching to them before your current policy expires. It’s a savings of about 10%.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Volkswagen could be rewarded with lower rates on the low mileage vehicles.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck. But all discounts will cut your premiums.

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

How do I know if I need professional advice?

When it comes to buying coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions might point out if your insurance needs would benefit from professional advice.

  • Is there coverage for injuries to my pets?
  • Is rental equipment covered for theft or damage?
  • Is business property covered if stolen from my car?
  • Do I have any recourse if my insurance company denies a claim?
  • Does my 1996 Volkswagen Golf qualify for pleasure use?
  • When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Coverages available on your policy

Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, damage from getting keyed, hitting a bird and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability – This can cover damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as attorney fees, pain and suffering, legal defense fees, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments and PIP coverage – Med pay and PIP coverage pay for short-term medical expenses like hospital visits, EMT expenses and prosthetic devices. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Volkswagen Golf.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision coverages – Collision insurance covers damage to your Golf 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 can pay for claims like backing into a parked car, colliding with another moving vehicle, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Shop around and save

When buying insurance coverage, do not sacrifice coverage to reduce premiums. There are many occasions where someone dropped liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

We covered some good ideas how you can lower your 1996 Volkswagen Golf insurance rates. The most important thing to understand is the more you quote, the better your comparison will be. Consumers could even find that the lowest premiums are with the smaller companies. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

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