Compare 1999 Volkswagen Golf Car Insurance Quotes

I can’t think of anyone who likes having to buy car insurance, in particular when the cost is too high.

With so many options when it comes to car insurance, it can be diffult for consumers to locate the cheapest insurer.

Volkswagen Golf insurance rates consist of many parts

It’s important that you understand some of the elements that play a part in calculating the price you pay for insurance coverage. When you know what positively or negatively determines base rates helps enable you to make changes that will entitle you to much lower annual insurance costs.

  • Lower miles equals lower premium – The more miles you rack up on your Volkswagen in a year the more you will pay for insurance coverage. Almost all companies apply a rate based on their usage. Cars and trucks left parked in the garage can get a lower rate compared to those used for work or business. If your policy improperly rates your Golf may be wasting your money. Make sure your insurance coverage policy properly reflects how each vehicle is driven, because it can save money.
  • Your age impacts your rates – Young drivers tend to be more careless when driving so insurance coverage rates are higher. If you’ve ever had to add a young driver to your insurance coverage policy can really hurt. More mature drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets.
  • Bundling policies can get discounts – Most insurance coverage companies give discounts to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even if you’re getting this discount you may still want to comparison shop to ensure the best deal. You may still be able to find a better deal by insuring with multiple companies.
  • Little extras can really add up – There are a ton of extra coverages that you can get tricked into buying on your insurance coverage policy. Coverages for personal injury protection, accidental death and membership fees are examples of these. They may seem like a good idea when talking to your agent, but your needs may have changed so eliminate them to save money.
  • Safer occupants lowers premiums – Safer cars can get you lower premiums. Safe vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If the Volkswagen Golf earned at least four stars on or an “acceptable” rating on it is probably cheaper to insure.
  • A clean driving record saves money – Drivers with clean records receive lower rates than bad drivers. Even one moving violation may increase your cost by as much as thirty percent. Drivers with serious tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with their state motor vehicle department in order to continue driving.
  • Your occupation can affect rates – Occupations like doctors, architects and financial analysts are shown to have higher average rates due to stressful work requirements and long work hours. Conversely, occupations like farmers, engineers and retirees pay the least for Golf coverage.
  • Do you have enough liability coverage? – Liability insurance is the protection when a jury decides you are liable for damages caused by your negligence. Liability insurance provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.

The quickest way to compare car insurance company rates is to know the fact auto insurance companies provide online access to provide you with a free rate quote. To begin a comparison, all you need to do is provide the companies a bit of rating information such as how much education you have, how you use your vehicles, level of coverage desired, and driver ages. That information is automatically sent to multiple different insurance companies and you will receive price estimates with very little delay.

To compare rates for a 1999 Volkswagen Golf now, click here and enter the information requested.

Pay less by taking advantage of discounts

Auto insurance companies don’t necessarily list every available discount very well, so we researched some of the best known and also the lesser-known discounts you could be receiving.

  • Student Driver Training – Have your child successfully complete driver’s ed class if it’s offered in school.
  • Drive Less and Save – Fewer annual miles on your Volkswagen could qualify for a substantially lower rate.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy could earn a price break for each car.
  • Sign Early and Save – Some companies give discounts for signing up before your current expiration date. It can save you around 10%.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Most cut the cost of specific coverages such as comp or med pay. Just because you may think you can get free auto insurance, companies don’t profit that way.

Companies who might offer these money-saving discounts include:

Check with every prospective company which discounts they offer. Savings might not apply everywhere.

Your coverage should be tailored to you

When it comes to buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s needs are different so this has to be addressed. These are some specific questions may help highlight whether or not you might need professional guidance.

  • What is high-risk coverage and where do I buy it?
  • I don’t drive much so do I pay less?
  • Should I get collision insurance on every vehicle?
  • How much liability insurance is required?
  • Am I covered if I wreck a rental car?
  • What can I do if my company denied a claim?
  • Am I covered by my spouse’s policy after a separation?
  • Where can I get insurance after a DUI in my state?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Information about specific coverages

Learning about specific coverages of your policy can help you determine the best coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages found on the average car insurance policy.

Coverage for medical expenses

Med pay and PIP coverage kick in for expenses like funeral costs, EMT expenses, dental work, rehabilitation expenses and nursing services. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Volkswagen Golf.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive car insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like falling objects, hail damage, fire damage and hitting a bird. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverage

Liability coverage provides protection from damage that occurs to people or other property by causing an accident. It protects YOU against claims from other people. Liability 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. As an example, you may have policy limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like structural damage, attorney fees, court costs and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

Collision coverage covers damage to your Golf resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as rolling your car, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

A penny saved is a penny earned

We covered quite a bit of information on how to save on 1999 Volkswagen Golf insurance. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. You may be surprised to find that the lowest priced insurance comes from some of the smallest insurance companies. Regional companies may have significantly lower rates on certain market segments compared to the large companies like State Farm and Allstate.

Cheaper insurance is available from both online companies as well as from independent agents, so compare prices from both in order to have the best price selection to choose from. A few companies don’t offer online quoting and most of the time these regional insurance providers sell through independent agents.

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