Lower Your 2017 Volkswagen Golf SportWagen Alltrack Car Insurance Quotes

No one in their right mind enjoys paying for car insurance, particularly when the cost is too high. Because there are so many insurance companies to choose from, it is very difficult to pick the most affordable insurance company.

Complexity of Volkswagen Golf SportWagen Alltrack insurance rates

Consumers need to have an understanding of some of the elements that play a part in calculating your car insurance rates. Knowing what impacts premium levels enables informed choices that could result in big savings.

  • Clean credit earns discounts – Credit history is a big factor in calculating your car insurance rates. Therefore, if your credit is not that good, you could pay less to insure your 2017 Volkswagen Golf SportWagen Alltrack by spending a little time repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than those with lower credit scores.
  • Where do you drive? – The more you drive each year the higher your rates will be. The majority of insurers charge to insure your cars based upon how you use the vehicle. Cars and trucks left parked in the garage qualify for better rates than those used for commuting. Improper usage on your Golf SportWagen Alltrack may be costing you. Make sure your car insurance policy properly reflects the correct driver usage.
  • Younger drivers pay higher rates – More mature drivers are more responsible, statistically cause fewer accidents and receive fewer citations. Teenage drivers are statistically proven to be less responsible when driving and because of this, their car insurance rates are much higher.
  • Marriage brings a discount – Being married actually saves money on your car insurance policy. Having a significant other means you’re more mature than a single person and statistics show being married results in fewer claims.
  • Too many car insurance claims drive up costs – Auto insurance companies give lower rates to drivers who are claim-free. If you are a frequent claim filer, you can expect higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.

Discounts are basically free money

Car insurance companies do not advertise all available discounts in a way that’s easy to find, so we took the time to find both well-publicized as well as the least known savings tricks you should be using. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Passive Restraint Discount – Factory air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Save over 55 – Mature drivers can possibly qualify for a discount up to 10% on Golf SportWagen Alltrack coverage.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you may save at least 10% off all policies.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off on Golf SportWagen Alltrack coverage with select insurance companies.
  • Student Driver Training – Have your child take driver’s ed class in school.
  • Accident Free – Claim-free drivers can earn big discounts as compared to accident-prone drivers.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Memberships – Belonging to certain professional organizations could qualify you for a break on your policy on Golf SportWagen Alltrack coverage.

It’s important to note that many deductions do not apply to the entire policy premium. Most only cut specific coverage prices like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

Insurance companies who might offer these money-saving discounts include:

Check with every prospective company how you can save money. Some discounts might not be offered everywhere.

Don’t be fooled by advertising claims

Consumers can’t ignore all the ads that promise big savings from companies such as Allstate, Geico and Progressive. They all seem to say the same thing about savings after switching your policy.

How do they all make almost identical claims?

Different companies are able to cherry pick for the right customer they prefer to insure. For instance, a preferred risk might be profiled as between the ages of 40 and 55, has no tickets, and drives newer vehicles. A propective insured who matches those parameters will get very good rates and most likely will pay quite a bit less when switching companies.

Potential insureds who fall outside these standards must pay a more expensive rate which usually ends up with business going elsewhere. The ads state “customers who switch” not “everybody who quotes” save that much. That’s why companies can truthfully advertise the savings. This illustrates why you need to get as many quotes as possible. It’s not possible to predict which insurance companies will have the lowest Volkswagen Golf SportWagen Alltrack insurance rates.

Which insurance is the “right” coverage?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For example, these questions may help you determine if your insurance needs might need an agent’s assistance.

  • How high should my medical payments coverage be?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I benefit by insuring my home with the same company?
  • Is a fancy paint job covered?
  • Is my state a no-fault state?
  • Do I pay less for low miles?
  • Am I covered if I wreck a rental car?
  • If I drive on a suspended license am I covered?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my nanny covered when driving my vehicle?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

What car insurance coverages do you need?

Knowing the specifics of your car insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages found on the average car insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Volkswagen Golf SportWagen Alltrack.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.


Liability coverage can cover damage that occurs to people or other property that is your fault. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like repair bills for other people’s vehicles, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for nursing services, rehabilitation expenses, surgery, pain medications and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage

This coverage will pay to fix damage to your Golf SportWagen Alltrack resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, driving through your garage door, hitting a mailbox, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a bird, damage from a tornado or hurricane and hail damage. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Best coverage at the best price

In this article, we covered a lot of ways to get a better price on 2017 Volkswagen Golf SportWagen Alltrack insurance. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. You may be surprised to find that the most savings is with the smaller companies. Smaller companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate and Progressive.

Budget-conscious insurance can be sourced from both online companies and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

More information is located at the links below