How Much Does 1998 Volkswagen Golf Insurance Cost?

Searching for lower insurance coverage rates for your Volkswagen Golf? Locating low-cost insurance for a new or used Volkswagen Golf could be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to shop for insurance coverage so you’re going to learn the best way to compare rates for a new or used Volkswagen and locate the best price possible from both online companies and local agents.

It’s smart to price shop coverage yearly since insurance rates change frequently. Even if you got the lowest rates on Golf coverage a couple years back other companies may now be cheaper. Ignore everything you know about insurance coverage because we’re going to demonstrate one of the quickest ways to find great coverage at a great price.

If you have a current insurance policy or are shopping for new coverage, you can learn to find better prices and still get good coverage. Finding affordable coverage is simple if you know the tricks. Drivers only need to know the best way to buy insurance over the internet.

Auto Insurance Prices

Performing a rate comparison can be challenging if you aren’t aware of the easiest way. You could spend your day driving to insurance companies in your area, or you can stay home and use the web to get rates in a matter of minutes.

Many insurance companies belong to an insurance system that enables customers to submit one quote, and each participating company returns a rated price based on that data. This prevents consumers from doing quotation requests to every company. To fill out one form to compare multiple rates now click here to open in new window.

The one disadvantage to getting quotes like this is buyers cannot specifically choose which providers to get pricing from. So if you prefer to pick specific insurance companies to request quotes from, we put together a list of the cheapest auto insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but be sure to compare the exact same coverage information for every company. If you compare mixed coverages it’s not possible to determine which rate is truly the best.

Policy discounts you shouldn’t miss

Companies that sell car insurance don’t always list every available discount in an easy-to-find place, so we researched both the well known as well as the least known car insurance savings. If they aren’t giving you every credit available, you are paying more than you should be.

  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Golf coverage than their less cautious counterparts.
  • Government Employees – Simply working for the federal government could cut as much as 10% off on Golf coverage with select insurance companies.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education in high school.
  • No Accidents – Good drivers with no accidents pay much less compared to frequent claim filers.
  • New Car Discount – Insuring a new car is cheaper due to better safety requirements for new cars.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get reduced rates on Golf coverage.
  • Good Students Pay Less – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up to age 25.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way.

For a list of providers offering car insurance discounts, follow this link.

Factors that can influence insurance rates for a Volkswagen Golf

Smart consumers have a good feel for the factors that play a part in calculating car insurance rates. Understanding what impacts premium levels allows you to make educated decisions that can help you get lower car insurance prices.

  • Your location is important – Living in less populated areas can save you money when insuring your vehicles. Fewer people means fewer accidents and also fewer theft and vandalism claims. Urban drivers regularly have traffic congestion and longer commute times. Higher commute times means more change of being in an accident.
  • Traffic violations increase rates – Whether or not you get tickets has a huge affect on how much you pay. Only having one ticket can boost insurance rates by twenty percent. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers with severe tickets such as reckless driving, hit and run or driving under the influence are required to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Battle of the sexes – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Women and men are in accidents in similar percentages, but men cause more damage. Men also get cited for more serious violations like DUI and reckless driving. Young males are several times more likely to be in an accident and therefore are the most expensive to insure.
  • More than one policy can earn a discount – Most insurers will award you with lower prices to people who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible.
  • Lower rates come with age – Youthful drivers are known to be less responsible when driving so they pay higher car insurance rates. Having to add a youthful driver onto your car insurance can be quite pricey. More mature drivers tend to be more responsible, file fewer claims and tend to be better behind the wheel.
  • Equipment add-ons that lower car insurance rates – Owning a car with an alarm system can save you a little every year. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
  • High numbers of claims are not good – Insurance companies award cheaper rates to policyholders who do not rely on their insurance for small claims. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Never let your coverage lapse – Driving with no insurance can get your license suspended and your next policy will cost more because you let your insurance expire. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a revoked license or a big fine.

Insurance agents can help

When choosing the right insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.

For instance, these questions can aid in determining whether you might need professional guidance.

  • What is high-risk coverage and where do I buy it?
  • Can I drive in Mexico and have coverage?
  • Will my insurance pay for OEM parts?
  • How do I file an SR-22 for a DUI in my state?
  • When would I need rental car insurance?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my trailer covered?
  • Which companies will insure high-risk drivers?
  • Is business equipment covered while in my vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

Can you really save that much by switching?

Consumers can’t ignore all the ads for cheaper car insurance from companies such as GEICO, State Farm and Progressive. All the ads make an identical promise that you can save if you switch your policy.

How can each company make almost identical claims?

Different companies can use profiling for the right customer that is profitable for them. An example of a profitable customer might be profiled as a mature driver, has no tickets, and drives less than 10,000 miles a year. A customer who meets those qualifications is entitled to the best price and most likely will save a lot of money.

Potential customers who are not a match for the “perfect” profile will be charged higher rates and this can result in business not being written. The ads state “drivers who switch” not “people who quote” save money. This is how companies can truthfully claim big savings. That is why you should get as many quotes as possible. Because you never know which company will provide you with the cheapest Volkswagen Golf insurance rates.

Learn about auto insurance coverages for a 1998 Volkswagen Golf

Knowing the specifics of a auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Volkswagen Golf.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive protection

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, damage from flooding and fire damage. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for pain medications, rehabilitation expenses and funeral costs. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability coverage can cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as bail bonds, loss of income, medical services and structural damage. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for collisions

This coverage will pay to fix damage to your Golf caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as scraping a guard rail, driving through your garage door, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Power to the consumer

As you prepare to switch companies, make sure you don’t reduce coverage to reduce premium. There have been many cases where an accident victim reduced liability limits or collision coverage and learned later that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Drivers switch companies for any number of reasons including delays in responding to claim requests, extreme rates for teen drivers, poor customer service or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a new company is not as hard as you think.

We just presented a lot of tips how to compare 1998 Volkswagen Golf insurance prices online. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. Consumers may even find the most savings is with a smaller regional carrier.

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