Compare 2003 Volkswagen Golf Car Insurance Quotes

Feel like you’re a prisoner to an overpriced insurance policy? Believe me when I say there are lots of people in the same boat. Multiple insurance companies compete for your business, so it can be very hard to choose a insurance company and uncover the absolute lowest rate

It is always a good idea to shop coverage around yearly because rates change regularly. Despite the fact that you may have had the lowest price for Golf coverage six months ago you will most likely find a better rate today. So block out anything you think you know about insurance because you’re going to learn the fastest way to lower your annual insurance bill.

Low Cost Insurance Coverage

Finding a lower price on 2003 Volkswagen Golf insurance can be relatively painless. The only thing you need to do is take a couple of minutes comparing rates online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • The fastest way consumers can analyze rates is a comparison rater form click here to open form in new window. This form saves time by eliminating a different quote for every insurance coverage company. Completing one form gets you price quotes instantly.
  • A more time consuming way to get quotes online requires you to visit each company website and fill out their own quote form. For example, we’ll pretend you want comparison quotes from Progressive, 21st Century and GMAC. To find out each rate you need to visit each 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 least efficient way of getting rate comparisons is to drive around to different agent offices. Buying insurance online eliminates the need for an insurance agent unless you require the professional advice of a local agent. It is possible to get the lowest quotes online but buy from a local insurance agent and you’ll learn how to do that later.

It’s up to you how you get prices quotes, just double check that you are using exactly the same coverage limits and deductibles with each company. If the quotes have higher or lower deductibles then you won’t be able to determine the lowest rate for your Volkswagen Golf.

Are you getting all your discounts?

Companies that sell car insurance do not advertise all their discounts in a way that’s easy to find, so the following is a list of both the well known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Resident Student – Any of your kids who attend school more than 100 miles from home and don’t have a car can receive lower rates.
  • Sign Early and Save – Some insurance companies reward drivers for switching policies prior to your current policy expiring. It can save you around 10%.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts compared to frequent claim filers.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Homeowners Pay Less – Being a homeowner can help you save on auto insurance because owning a home is proof that your finances are in order.
  • Organization Discounts – Belonging to a professional or civic organization is a good way to get lower rates on auto insurance for Golf coverage.
  • 55 and Retired – Mature drivers may receive better auto insurance rates for Golf coverage.
  • Driver Safety – Completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Multiple Cars – Having all your vehicles on one policy could earn a price break for each car.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less for Golf coverage than drivers with accidents.

It’s important to understand that some credits don’t apply to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way.

Car insurance companies that may have some of the above discounts are:

Check with every prospective company which discounts they offer. Some discounts might not apply in your area.

When might I need an agent?

When it comes to choosing coverage, there really is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if your situation may require specific advice.

  • Does liability extend to a camper or trailer?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How high should my uninsured/underinsured coverage be in my state?
  • Why am I required to buy high-risk coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Does my policy pay for OEM or aftermarket parts?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, free and can provide invaluable advice.

Car insurance coverage information

Learning about specific coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages found on the average insurance policy.

Coverage for medical expenses – Med pay and PIP coverage kick in for bills for things like dental work, ambulance fees and hospital visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Liability – Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. It protects you against other people’s claims. Liability doesn’t 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. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as repair costs for stationary objects, loss of income, court costs, structural damage and medical services. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Comprehensive insurance – This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, damage from a tornado or hurricane and hail damage. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision – This coverage will pay to fix damage to your Golf resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as rolling your car, scraping a guard rail, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

In Summary

The cheapest 2003 Volkswagen Golf insurance is available from both online companies as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. A few companies don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.

In this article, we presented a lot of ways to reduce insurance prices online. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. Drivers may discover the best prices are with an unexpected company. Regional companies often have lower prices on specific markets than the large multi-state companies such as State Farm and Allstate.

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