2002 Volkswagen Golf Insurance Quotes – 7 Tips for Best Rates

Are you confused by the sheer number of car insurance companies? You’re not the only one! You have so many companies to choose from that it can turn into a real hassle to locate the lowest price.

If you are paying for car insurance now, you should be able to reduce your rates substantially using these tips. The purpose of this post is to teach you how to get online quotes and some tricks to saving. Although drivers must know how companies market on the web and take advantage of how the system works.

Take advantage of discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that many people don’t even know exist. Some trigger automatically at the time of purchase, but some must be asked for before they will apply.

  • No Charge for an Accident – A few companies permit an accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Use Seat Belts – Requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Resident Student – Youth drivers living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Club Memberships – Being a member of a professional or civic organization could trigger savings on auto insurance for Golf insurance.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in school.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings up to 30%.
  • Drive Less and Save – Keeping the miles down on your Volkswagen could be rewarded with discounted rates on garaged vehicles.

It’s important to understand that some of the credits will not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like it’s possible to get free car insurance, you won’t be that lucky. But any discount will cut the cost of coverage.

To see a list of insurance companies with discount auto insurance rates, click this link.

How to know if you need help

When choosing adequate coverage, there really is no “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that may help you determine whether you might need an agent’s assistance.

  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered if hit by an uninsured driver?
  • Do I have coverage for damage caused while driving under the influence?
  • What is UM/UIM insurance?
  • Is a fancy paint job covered?
  • Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.

The fine print in insurance coverage ads

Insurance coverage companies such as State Farm and Allstate constantly bombard you with ads on TV and radio. They all seem to have a common claim that you’ll save big if you switch your coverage to them. How can each company make almost identical claims? This is how they do it.

All companies are able to cherry pick for the driver they prefer to insure. A good example of a profitable customer could possibly be a mature driver, has no tickets, and drives less than 10,000 miles a year. A driver that hits that “sweet spot” receives the best rates and as a result will probably save a lot of money.

Drivers who don’t meet the requirements will have to pay higher premiums which usually ends up with business not being written. The ads state “customers that switch” not “everyone that quotes” save that kind of money. That’s the way companies can claim big savings.

Because of the profiling, you should compare many company’s rates. It’s just too difficult to predict the company that will give you the biggest savings on Volkswagen Golf insurance.

Specifics of your car insurance policy

Understanding the coverages of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like funeral costs, ambulance fees, doctor visits, nursing services and dental work. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Protection from uninsured/underinsured drivers

This gives you protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Volkswagen Golf.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently these coverages do not exceed the liability coverage limits.

Collision coverage

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, crashing into a building, hitting a mailbox, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Auto liability insurance

Liability coverage provides protection from damage that occurs to other’s property or people by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers things like pain and suffering, court costs, funeral expenses, structural damage and bail bonds. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a bird, vandalism and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Cheaper insurance is a realistic goal

You just read many ways to get a better price on 2002 Volkswagen Golf insurance. The most important thing to understand is the more providers you compare, the better your comparison will be. You may be surprised to find that the lowest premiums are with a small local company.

When you buy insurance online, it’s very important that you do not buy poor coverage just to save money. In too many instances, an insured dropped physical damage coverage only to discover later they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

The cheapest insurance is possible both online as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

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