2014 Volkswagen Golf Insurance Quotes – 5 Tips for Cheaper Rates

Looking for lower car insurance rates? Shoppers have a choice when shopping for the best price on Volkswagen Golf insurance. They can either waste time struggling with agents getting price quotes or use the internet to find the lowest rates. There are both good and bad ways to compare car insurance rates and we’ll show you the best way to compare rates for your Volkswagen and find the best price possible either online or from local insurance agents.

You need to shop coverage around occasionally due to the fact that insurance rates go up and down regularly. If you had the best deal on Golf insurance a few years ago other companies may now be cheaper. So just ignore everything you know about car insurance because I’m going to teach you one of the easiest ways to lower your annual insurance bill.

The method we recommend to compare insurance rates in your area is to know the trick almost all companies have advanced systems to give rate comparisons. To begin a comparison, all you need to do is give the companies some data including if you lease or own, the ages of drivers, the year, make and model of vehicles, and your education level. That rating information is then sent to multiple top-rated companies and you get price estimates with very little delay.

To start a rate quote now, click here and complete the quick form.

Save on Volkswagen Golf insurance

Companies don’t always advertise every available discount very well, so the following is a list of some of the more common and the more hidden auto insurance savings. If you don’t get every credit possible, you’re just leaving money on the table.

  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Volkswagen could qualify for better rates on cars that stay parked.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Life Insurance – Larger companies have better rates if you take out life insurance from them.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company may reduce the rate for each vehicle.

Keep in mind that most of the big mark downs will not be given to the entire cost. Some only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way.

To see a list of companies with discount auto insurance rates, follow this link.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Every insured’s situation is different.

For example, these questions might help in determining whether your personal situation may require specific advice.

  • Does my policy cover my teen driver if they drive my company car?
  • Can I afford to pay high deductible claims out of pocket?
  • Does my policy pay for OEM or aftermarket parts?
  • Is my custom paint covered by insurance?
  • Am I covered when using my vehicle for business?
  • When would I need rental car insurance?
  • Is my ex-spouse still covered by my policy?
  • Which companies will insure high-risk drivers?
  • Is business property covered if stolen from my car?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Insurance coverages and their meanings

Learning about specific coverages of insurance helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Volkswagen Golf.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a building, backing into a parked car, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance

Med pay and PIP coverage pay for expenses like pain medications, EMT expenses, dental work and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability car insurance

Liability coverage will cover injuries or damage you cause to other’s property or people in an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of 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 policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as medical services, medical expenses, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive (Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like rock chips in glass, damage from flooding, theft, hitting a deer and vandalism. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Quote more, save more

We covered many ideas to lower your 2014 Volkswagen Golf insurance rates. The key thing to remember is the more you quote, the better your chances of lowering your rates. Drivers may discover the lowest priced insurance comes from a small local company.

While you’re price shopping online, do not buy poor coverage just to save money. There are many occasions where an insured cut comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

Drivers change insurance companies for a number of reasons such as unfair underwriting practices, being labeled a high risk driver, policy non-renewal and even high rates after DUI convictions. No matter why you want to switch, finding the right insurance provider is not as difficult as it may seem.

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