Cheap 1994 Volkswagen Golf Car Insurance Rates

Looking for lower insurance rates for your Volkswagen Golf? Did you come to the realization that you have overpriced insurance? You’re in good company because many consumers are feeling buyer’s remorse and feel like there’s no way out.

Due to the fact that there are so many online and local companies to choose from, it is hard for the average consumer to pick the most affordable insurance provider.

Take policy discounts and save

Not too many consumers would say car insurance is affordable, but discounts can save money and there are some available that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you quote, but a few need to be specifically requested in order for you to get them. If you’re not getting every credit possible, you’re just leaving money on the table.

• Paper-free Discount – A few larger online companies will discount your bill up to fifty bucks shop auto insurance on your computer.
• Policy Bundle Discount – When you combine your auto and homeowners insurance with one insurance company you may earn at least 10% off all policies.
• Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving may be able to save a few bucks on medical payment and PIP coverage.
• Own a Home – Just owning your own home can earn you a little savings due to the fact that maintaining a home is proof that your finances are in order.
• Safety Course Discount – Participating in a course in safe driver could save 5% or more and easily pay for the cost of the class.
• Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
• Early Switch Discount – Some car insurance companies provide a discount for renewing your policy before your current expiration date. This can save 10% or more.
• Payment Discounts – By paying your entire bill at once as opposed to paying monthly you may reduce your total bill.

Drivers should understand that many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, it doesn’t quite work that way.

Large car insurance companies and some of the discounts can be read below.

• Travelers offers discounts for home ownership, multi-policy, save driver, continuous insurance, multi-car, IntelliDrive, and new car.
• 21st Century has discounts for good student, driver training, theft prevention, student driver, and 55 and older.
• State Farm policyholders can earn discounts including safe vehicle, anti-theft, multiple policy, multiple autos, Steer Clear safe driver discount, Drive Safe & Save, and good driver.
• Geico offers premium reductions for driver training, multi-policy, membership and employees, anti-theft, multi-vehicle, and good student.
• SAFECO has savings for teen safety rewards, anti-lock brakes, safe driver, multi-car, accident prevention training, and anti-theft.
• AAA includes discounts for AAA membership discount, multi-car, pay-in-full, anti-theft, good driver, good student, and multi-policy.

When quoting, ask each company or agent which discounts you may be entitled to. Some discounts listed above may not be available in your area. To view insurers that offer the discounts shown above, click here to view.

How to buy auto insurance

Many insurance companies like Progressive, Geico, Allstate and State Farm allow you to get pricing online. The process is fairly simple as you just type in your required coverages on the page. When complete, their system orders credit information and your driving record and returns pricing information based on many factors. Online quotes helps simplify price comparisons, but the process of having to visit several different sites and complete many quote forms gets old quite quickly. But it’s necessary to have as many quotes as possible if you are searching for the lowest auto insurance rates.

Keep reading for an easier way to compare prices

The preferred way to compare rates uses one simple form that analyzes rates from many companies. It’s a real time-saver, eliminates form submissions, and makes online quotes much more enjoyable. As soon as you send your information, it is quoted and you are able to buy any one of the returned quotes.

If you find a better price it’s easy to complete the application and purchase coverage. It takes less than 15 minutes and may result in a nice savings.

If you want to find out how much you can save on auto insurance, click here to open in new window and enter your information. To compare your current rates, we recommend you duplicate deductibles and limits as shown on your current policy. This ensures you will have a fair comparison for similar insurance coverage.

What affects Volkswagen Golf insurance costs?

It’s important that you understand the factors that play a part in calculating the level of your policy premiums. If you have a feel for what determines premiums, this allows you to make good choices that could result in lower premium levels. Multiple criteria are used when you get your auto insurance bill. Some are obvious like a motor vehicle report, but other criteria are less apparent like your continuous coverage or your commute time.

• Having a spouse is a bonus – Walking down the aisle may save some money on insurance coverage. Having a spouse means you’re more responsible and it’s proven that married drivers tend to have fewer serious accidents.
• Frequent insurance coverage claims will cost more – Companies award the lowest premiums to policyholders who are claim-free. If you tend to file frequent claims, you can expect much higher rates or policy non-renewal. Your insurance policy is meant to be used in the event of the large, substantial claims.
• Extra policy coverages are wasting money – Policies have extra add-on coverages you can purchase on your insurance coverage policy. Coverages like rental car reimbursement, towing, and Farm Bureau memberships are examples of these. They may sound like good ideas when discussing your needs, but if you don’t need them eliminate them to save money.
• Coverage deductibles are a factor – The deductibles state the amount of money you are willing to pay if you file a covered claim. Protection for physical damage, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered are collision with another vehicle, damage from fire, and damage from wind. The more the insured has to pay upfront, the lower your rates will be on Golf coverage.
• Multiple policies with one company can save – Some insurance companies allow a discount to people that buy multiple policies. It’s known as a multi-policy discount. The discount can add up to ten or even up to twenty percent in some cases. Even if you qualify for this discount already, it’s still a good idea to compare other company rates to help guarantee you have the best rates.There is a chance you can save even more by buying insurance coverage from a different company.
• Alarms and GPS tracking lower insurance coverage rates – Buying a car that has an advanced theft prevention system can help lower your premiums. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
• Liability insurance limits should be high – The liability section of your policy kicks in if you are responsible for causing damage or personal injury in an accident. Your liability coverage provides legal defense which can cost a lot. This coverage is relatively inexpensive compared to comp and collision, so drivers should buy more than the minimum limits required by law.

Which policy gives me the best coverage?

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might point out whether your personal situation will benefit from professional help.

• Am I covered when using my vehicle for business?
• How high should deductibles be on a 1994 Volkswagen Golf?
• Does car insurance cover theft of personal property?
• Is motorclub coverage worth it?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Do I need PIP (personal injury protection) coverage in my state?
• Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Coverage specifics

Learning about specific coverages of your car insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages offered by car insurance companies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for chiropractic care, dental work, rehabilitation expenses, funeral costs and ambulance fees. They are often utilized in addition to your health insurance program or if you do not have health coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability coverage

Liability coverage will cover damage that occurs to other people or property in an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as court costs, pain and suffering, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, hail damage, a broken windshield, a tree branch falling on your vehicle and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

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

Collision can pay for things like hitting a parking meter, scraping a guard rail, damaging your car on a curb and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to bring the cost down.

One last thing about your coverage

Low-cost 1994 Volkswagen Golf insurance is possible on the web and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers don’t offer online quoting and usually these small, regional companies sell through independent agencies.

As you quote auto insurance, you should never reduce coverage to reduce premium. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits and learned later that they should have had better coverage. Your aim should be to buy the best coverage you can find for the lowest cost.

Additional insurance coverage information can be found on the following sites:

• Shopping for a Safe Car (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Rollover Crash FAQ (iihs.org)