2003 Volkswagen Golf Insurance Quotes

Searching for better insurance coverage rates for your Volkswagen Golf? Paying for high-priced Volkswagen Golf insurance can drain your savings account and force you to make sacrifices. Doing a price comparison is free and is an excellent way to tighten up your finances.

You have multiple auto insurance companies to purchase coverage from, and although it’s nice to have multiple companies, it makes it harder to find the lowest rates.

Finding the best rates is not that difficult. If you have car insurance now, you should be able to lower your premiums substantially using these methods. Nevertheless, vehicle owners can benefit from knowing the methods companies use to compete online and take advantage of how the system works.

Automobile Insurance Quotes

There are a variety of methods to compare 2003 Volkswagen Golf car insurance quotes, but some are less labor-intensive and much quicker. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to get prices fast.

Many companies participate in an industry program that allows shoppers to only type in their quote data once, and every company can give them a price. This prevents consumers from doing form submissions for each company you want a rate for. To enter your information into the quoting system, click to open in new window.

The only downside to comparing rates this way is you don’t know exactly which companies to get pricing from. If you would rather choose individual companies to compare prices, we put together a list of low cost car insurance companies in your area. Click to view list.

Whichever method you choose, compare exactly the same coverage information for every quote you compare. If the quotes have different deductibles then you won’t be able to determine which rate is truly the best. Having just a slight variation in insurance coverages could mean much higher rates. Just remember that comparing more company’s prices gives you a better chance of getting the best rates.

The auto insurance bait and switch

Companies like 21st Century, Allstate and State Farm consistently run television and radio advertisements. All the ads have a common claim that you’ll save big if you change your policy. How can each company make the same claim?

All the different companies have a preferred profile for the right customer that earns them a profit. A good example of a driver they prefer might be profiled as between 25 and 40, insures multiple vehicles, and drives less than 7,500 miles a year. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and most likely will save when they switch companies.

Consumers who are not a match for these standards must pay higher prices and ends up with the customer not buying. The ads state “people who switch” but not “drivers who get quotes” save that kind of money. That is how companies can truthfully make the claims of big savings. This illustrates why you absolutely need to quote coverage with many companies. It is impossible to predict the company that will fit your personal profile best.

Don’t overlook these discounts

Companies don’t always publicize all their discounts in a way that’s easy to find, so the following is a list of some of the best known and the more hidden savings tricks you should be using.

  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for Golf coverage with select insurance companies.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Golf coverage than drivers with accidents.
  • Driver Safety – Completing a course in driver safety can save you 5% or more if your company offers it.
  • Memberships – Being a member of a civic or occupational organization is a good way to get lower rates on auto insurance for Golf coverage.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.

It’s important to note that most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky.

Companies who might offer some of the above discounts include:

Before buying, ask every prospective company what discounts are available to you. Discounts might not apply everywhere.

Is my situation unique?

When choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Does my policy pay for OEM or aftermarket parts?
  • Who is covered by my policy?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I rate my 2003 Volkswagen Golf as pleasure use or commute?
  • Does car insurance cover theft of personal property?
  • Is my state a no-fault state?
  • Can my babysitter drive my car?
  • Do I need to file an SR-22 for a DUI in my state?
  • If I drive on a suspended license am I covered?
  • When would I need rental car insurance?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Specific coverages for a Volkswagen Golf

Learning about specific coverages of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are the usual coverages found on the average insurance policy.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from flooding, damage from a tornado or hurricane and falling objects. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability auto insurance

Liability insurance protects you from damages or injuries you inflict on a person or their property. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against things such as medical services, funeral expenses, repair costs for stationary objects, medical expenses and pain and suffering. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2003 Volkswagen Golf.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage protection

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

Collision insurance covers claims such as crashing into a building, hitting a mailbox, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like rehabilitation expenses, EMT expenses and ambulance fees. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Get your money’s worth

When shopping online for insurance coverage, it’s not a good idea to reduce needed coverages to save money. In many cases, someone dropped collision coverage only to regret that it was a big mistake. The ultimate goal is to purchase plenty of coverage at the best price while still protecting your assets.

We just covered a lot of ways to shop for 2003 Volkswagen Golf insurance online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising. Regional companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.

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