Lower Your 2013 Volkswagen Golf Insurance Quotes

Searching for lower insurance coverage rates for your Volkswagen Golf? Are you a victim of high-priced insurance coverage? Trust us when we tell you there are many consumers feeling the pinch from expensive insurance coverage. Big companies like GEICO and Progressive all promote huge savings with TV and radio ads and it is challenging if not impossible to ignore the propoganda and do the work needed to find the best deal.

Compare the Market for Insurance Coverage

Performing a rate comparison is a ton of work if you don’t understand the most efficient way to do it. You could waste a few hours driving to insurance companies in your area, or you can utilize online quotes to achieve your goal.

Most of the larger companies participate in a marketplace where prospective buyers only type in their quote data once, and each company provides a quote for coverage. This system prevents you from having to do form submissions for each company you want a rate for.

To participate in this free quote system, click here (opens in new window).

The only drawback to using this type of system is you can’t choose which insurance companies you will receive quotes from. So if you want to select specific providers to compare prices, we have assembled a list of companies who write insurance coverage in your area. Click here to view list.

Whichever method you choose, make darn sure you compare identical coverage information for each price quote. If you are comparing higher or lower deductibles it will be next to impossible to make a fair comparison for your Volkswagen Golf.

Cut prices on Volkswagen Golf insurance

Car insurance companies don’t always publicize every discount in a way that’s easy to find, so here is a list some of the more common and also the lesser-known car insurance savings. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Multiple Cars – Having all your vehicles on one policy may reduce the rate for each vehicle.
  • Homeowners Pay Less – Simply owning a home can help you save on car insurance because owning a home demonstrates responsibility.
  • Auto/Home Discount – When you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
  • College Student – Kids in college who are attending college without a vehicle on campus may qualify for this discount.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Military Rewards – Having a deployed family member could mean lower rates.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Golf coverage than drivers with accident claims.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way.

For a list of companies who offer car insurance discounts, follow this link.

Why your Volkswagen Golf might be costing you more

Consumers need to have an understanding of the different types of things that play a part in calculating your insurance rates. Understanding what determines base rates enables informed choices that will entitle you to lower insurance prices.

  • Don’t skimp on liability – Liability insurance is the protection if ever you are found to be at fault for damages caused by your negligence. It will provide legal defense coverage which can be incredibly expensive. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.
  • Teen drivers pay high rates – Teen drivers are statistically proven to be careless and easily distracted in a vehicle so insurance rates are higher. Mature drivers are more cautious drivers, statistically cause fewer accidents and tend to be better behind the wheel.
  • Policy add-ons can waste money – There are quite a few extra bells and whistles that can waste your money when buying insurance. Things like personal injury protection, accident forgiveness and membership fees are some examples. These may sound like a good investment when talking to your agent, but your needs may have changed so remove them from your policy.
  • Keep rates low by being claim-free – If you frequently file small claims, you can look forward to higher rates. Insurance companies generally give lower rates to policyholders who are claim-free. Insurance coverage is intended for larger claims.
  • Being married is a good thing – Getting married actually saves money on your insurance policy. It is viewed as being more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.

Tailor your coverage to you

When choosing the best insurance coverage coverage for your personal vehicles, there really is no one size fits all plan. Every insured’s situation is different so this has to be addressed. For example, these questions might help in determining if your situation would benefit from professional advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I better off with higher deductibles on my 2013 Volkswagen Golf?
  • Is there coverage for injuries to my pets?
  • Do I need replacement cost coverage?
  • Does liability extend to a camper or trailer?
  • When should I buy a commercial auto policy?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Do drivers who switch really save?

Consumers get pounded daily by advertisements that promise big savings by companies like Progressive, GEICO, Allstate and State Farm. They all have a common claim that you’ll save big if you move to them.

How does each company make almost identical claims? This is how they do it.

Insurance companies can use profiling for the driver that makes them money. For example, a driver they prefer could possibly be a mature driver, owns a home, and drives newer vehicles. A propective insured who matches those parameters gets the lowest rates and most likely will save when switching.

Consumers who don’t meet the “perfect” profile will be quoted more money and ends up with business going elsewhere. The ads state “customers that switch” not “everybody who quotes” save that much. That is how insurance companies can confidently make those claims. This emphasizes why drivers should quote coverage with many companies. It’s not possible to predict which insurance companies will give you the biggest savings on Volkswagen Golf insurance.

Insurance coverages and their meanings

Learning about specific coverages of a insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by insurance companies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for bills like ambulance fees, EMT expenses, prosthetic devices, rehabilitation expenses and surgery. They are utilized in addition to your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision insurance

This coverage pays for damage to your Golf resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a ditch, sideswiping another vehicle, crashing into a building and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like rock chips in glass, hail damage, hitting a deer and damage from flooding. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Volkswagen Golf.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing an accident. It protects you against other people’s claims. It does not 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 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.

Liability coverage pays for things such as emergency aid, court costs, legal defense fees, attorney fees and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Do the work, save more money

In this article, we covered a lot of techniques to lower your 2013 Volkswagen Golf insurance rates. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. Drivers may discover the lowest priced auto insurance comes from a small mutual company. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as Allstate, GEICO and Progressive.

Low-cost insurance can be found both online and with local insurance agents, so compare prices from both in order to have the best price selection to choose from. Some companies do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

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