Compare 1993 Volkswagen Golf Insurance Rates

Want the cheapest auto insurance rates for your Volkswagen Golf? Comparison shopping for low cost auto insurance might be frustrating for drivers new to online price comparisons. With such a large number of online companies available, it can easily turn into a difficult situation to find better rates.

It’s a good habit to take a look at other company’s rates occasionally because auto insurance rates fluctuate regularly. Just because you found the best rate on Golf coverage a couple years back you may be paying too much now. Ignore everything you know about auto insurance because you’re going to get a crash course in the quickest way to save on auto insurance.

How insurers calculate Volkswagen Golf insurance rates

Consumers need to have an understanding of some of the factors that play a part in calculating the level of your policy premiums. When consumers understand what impacts premium levels, this helps enable you to make changes that can earn you lower insurance prices.

The itemized list below are a few of the things used by your company to calculate rates.

• Pay more if you have a long commute – Living in areas with lower population is a good thing when shopping for auto insurance. People in densly populated areas regularly have more auto accidents and longer commutes to work. Fewer drivers and short commutes means a lower chance of having an accident in addition to fewer liability claims.
• When should you file a insurance claims? – Auto insurance companies provide better rates to drivers who do not rely on their insurance for small claims. If you file claims often, you can expect either higher rates or even cancellation. Auto insurance is intended for larger claims.
• Liability coverage claims can be big – Liability insurance will afford coverage if you are ruled to be at fault for an accident. Liability insurance provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
• Better insurance rates for no policy lapses – Driving without insurance coverage in place is not a good idea and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. In addition to paying higher rates, not being able to provide proof of insurance may result in a revoked license or a big fine.
• Lower rates for cars with good safety ratings – Safer cars tend to have better insurance rates. Vehicles built for safety reduce the chance of injuries and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If your Volkswagen Golf is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
• More annual miles equals more premium – The more miles you rack up on your Volkswagen in a year the higher the price you pay to insure it. A lot of insurance companies apply a rate based on how the vehicle is used. Cars that sit idle most of the time receive better premium rates than those used for commuting. An incorrectly rated Golf may be wasting your money. Verify your insurance coverage shows the correct usage.

The best way we recommend to get rate comparisons is to know all the major auto insurance companies participate in online systems to provide you with free rate quotes. All you need to do is give the companies some data including the type of vehicles you drive, if the vehicle is leased, types of safety features, and marital status. Your details is instantly provided to multiple companies and they respond with quotes instantly to find the best rate.

Auto insurance in the media

Well-known auto insurance companies like Allstate, GEICO and Progressive regularly use television, radio, and online ads. They all seem to tend to make the same promise of big savings just by moving to their company. How does every company charge less that you’re paying now? This is the way they can do it.

Most companies have underwriting criteria for the type of driver that earns them the most money. An example of a preferred risk might have to be married and over the age of 30, has no claims, and drives a vehicle with a low ISO rating. Any person that fits those parameters will get a cheap rate quote and have a good chance to save quite a bit of money when switching.

People who may not quite match this ideal profile will get higher rates and the driver buying from a lower-cost company. The ads state “people who switch” not “everyone who quotes” save that much. That’s the way companies can make those claims. This illustrates why it is so important to get a wide range of price quotes. You cannot predict with any certainty which company will have the lowest rates.

Get lower-cost rates by earning discounts

Some insurance providers do not list every discount in a way that’s easy to find, so we break down a few of the more well known and the more hidden insurance coverage savings.

• Onboard Data Collection – Insureds that choose to allow their company to track when and where they use their vehicle by using a telematics device in their vehicle like Allstate’s Drivewise could see a rate decrease if they show good driving skills.
• Mature Driver Discount – Mature drivers may receive a small discount on rates on Golf coverage.
• First Accident Forgiveness – Not a discount per se, but a handful of insurance companies will forgive one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
• Professional Organizations – Belonging to a qualifying organization is a good way to get lower rates on your next insurance coverage statement.
• Good Students Pay Less – Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.
• Student in College – Youth drivers who live away from home to go to college and won’t have access to an insured vehicle can receive lower rates.
• Drivers Ed for Students – It’s a good idea to have your young drivers enroll in driver’s education as it will make them better drivers and lower rates.
• Multiple Vehicles – Insuring primary and secondary vehicles on one policy can get a discount for every vehicle.
• Safe Driver Discount – Accident-free drivers could pay up to 40% less on Golf coverage than less cautious drivers.
• New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.

Don’t be surprised that most discounts do not apply to all coverage premiums. Some only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, you aren’t that lucky. Any qualifying discounts will help lower your premiums.

To see insurance coverage companies that can offer you the previously mentioned discounts, click here to view.

Your auto insurance coverage should be tailored to you

When it comes to buying the best auto insurance coverage, there is no one size fits all plan. Each situation is unique.

Here are some questions about coverages that can help discover if you might need professional guidance.

• Is upholstery damage covered by car insurance?
• Should I buy additional glass protection?
• Do I need rental car coverage?
• Does insurance cover damages from a DUI accident?
• Am I covered if I hit a deer?
• Can I make deliveries for my home business?
• Is my business laptop covered if it gets stolen from my vehicle?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form.

Educate yourself about car insurance coverages

Having a good grasp of your policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Collision protection

This coverage covers damage to your Golf resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, crashing into a building, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance pays for 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 can pay for claims like damage from getting keyed, a tree branch falling on your vehicle, vandalism, hitting a bird and hitting a deer. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your 1993 Volkswagen Golf.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability auto insurance

This coverage provides protection from damages or injuries you inflict on people or other property. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as structural damage, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Medical costs insurance

Med pay and PIP coverage reimburse you for immediate expenses for things like dental work, X-ray expenses, ambulance fees and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Feed the piggy bank

When shopping online for insurance, make sure you don’t buy less coverage just to save a little money. There have been many situations where someone sacrificed liability limits or collision coverage to discover at claim time they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find for the lowest price while still protecting your assets.

Some insurance providers do not provide online price quotes and these small insurance companies sell through independent agents. Low-cost 1993 Volkswagen Golf insurance can be found from both online companies in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money.

We just presented many ways to get a better price on 1993 Volkswagen Golf insurance. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers may even find the lowest car insurance rates come from the least-expected company.

Additional insurance information can be found on the following sites:

• Auto Theft Statistics (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Older Drivers FAQ (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)