2000 Volkswagen Golf Insurance Quotes – 10 Ideas for Cheapest Rates

Trying to find the cheapest auto insurance rates for your Volkswagen Golf? Cutting costs on auto insurance can seem to be nearly impossible for consumers new to comparison shopping online. You have so many options available that it can be a challenge to locate the lowest price.

It’s a good idea to price shop coverage at least once a year because prices go up and down regularly. Despite the fact that you may have had the best rates on Golf coverage last year you can probably find a lower rate today. There is a lot of bad advice regarding auto insurance online, so I’m going to show you some good information on how to quit paying high auto insurance rates.

If you currently have car insurance, you should be able to reduce your rates substantially using these tips. This information will let you in on how car insurance quotes work and some tricks to saving. Although vehicle owners should learn how the larger insurance companies price insurance differently and take advantage of how the system works.

Compare Quotes for Insurance Coverage

To find the best insurance coverage prices, there are several ways to compare rate quotes from local insurance coverage companies. The easiest way to find competitive 2000 Volkswagen Golf insurance rates is simply to get online rate quotes. This can be accomplished in a couple of different ways.

The single most time-saving way consumers can analyze rates is a comparison rater form like this one (opens in new window). This type of form prevents you from having to do boring form submissions for each company you want a rate for. One form will return price quotes direct from many companies. This is perfect if you don’t have a lot of time.

A more difficult way to get comparison quotes requires a visit to each company website and fill out their own quote form. For instance, we’ll pretend you want to compare Progressive, GEICO and Liberty Mutual. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

The most time-consuming method of getting rate comparisons is to spend your day driving to insurance agents’ offices. Shopping for insurance coverage online has reduced the need for local agents unless you have a need for the professional guidance of a local agent. Drivers can compare the best prices online and still use a local agent and we’ll touch on that later.

Whichever way you use, make absolute certain that you use apples-to-apples coverage information for each comparison quote. If you are comparing mixed coverages it will be impossible to determine the lowest rate for your Volkswagen Golf. Just a small difference in coverages can make a big difference in price. And when price shopping your coverage, obtaining a wide range of quotes provides better odds of finding the best rates.

Get lower rates on 2000 Volkswagen Golf insurance

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to help offset the cost. Larger premium reductions will be automatically applied when you complete an application, but some may not be applied and must be specifically requested before you get the savings.

  • Auto/Home Discount – When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.
  • Sign Early and Save – A few companies offer discounts for switching policies before your current expiration date. It can save you around 10%.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • Safety Course Discount – Taking a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Use Seat Belts – Requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
  • 55 and Retired – Older drivers may receive reduced rates on Golf coverage.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can get savings of 20% or more.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.

Keep in mind that many deductions do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, you’re out of luck. Any amount of discount will reduce your overall premium however.

Insurance companies that may have some of the above discounts may include but are not limited to:

Double check with each company which discounts you may be entitled to. All car insurance discounts may not be available in your area.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that can help discover if your insurance needs would benefit from an agent’s advice.

  • How much can I save by bundling my policies?
  • Do I need motorclub coverage?
  • If my 2000 Volkswagen Golf is totaled, can I afford another vehicle?
  • When should I remove comp and collision on my 2000 Volkswagen Golf?
  • Is extra glass coverage worth it?
  • Am I missing any policy discounts?
  • How high should deductibles be on a 2000 Volkswagen Golf?
  • When do I need to add a new car to my policy?
  • Do I need an umbrella policy?
  • What is an SR-22 filing?

If you can’t answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.

Advertising myths

Companies like GEICO, State Farm and Progressive continually stream television and radio advertisements. All the ads have a common claim that you can save after switching your coverage to them. How can each company make the same claim?

All companies have a preferred profile for the type of driver that makes them money. An example of a driver they prefer could be between 25 and 40, has no driving citations, and has a high credit rating. A customer getting a price quote who fits that profile is entitled to the best price and as a result will probably cut their rates substantially.

Drivers who are not a match for this ideal profile must pay higher prices which leads to the customer not buying. The ads state “customers that switch” not “everybody who quotes” save money. That’s the way companies can make those claims.

This illustrates why you need to compare many company’s rates. It is impossible to predict which company will give you the biggest savings on Volkswagen Golf insurance.

Auto insurance 101

Having a good grasp of your auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

This pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, theft, fire damage, hitting a bird and damage from a tornado or hurricane. The most 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 it’s not worth carrying full coverage.

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. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as damaging your car on a curb, colliding with a tree and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like funeral costs, pain medications, ambulance fees and EMT expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they 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.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Auto liability insurance

Liability insurance protects you from damages or injuries you inflict on people or other property. This insurance protects YOU against claims from other people, and 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 limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as legal defense fees, loss of income, emergency aid, court costs and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Find Good Coverage for Less

Throughout this article, we presented a lot of techniques to get a better price on 2000 Volkswagen Golf insurance. It’s most important to understand that the more times you quote, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with a company that doesn’t do a lot of advertising.

Insureds leave their current company for a number of reasons such as delays in responding to claim requests, being labeled a high risk driver, policy non-renewal or extreme rates for teen drivers. Regardless of your reason for switching companies, finding a new company can be pretty painless.

Lower-priced insurance is definitely available from both online companies and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

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