1995 Volkswagen Golf Insurance Cost

Want lower auto insurance rates for your Volkswagen Golf? Are you kicking yourself for buying high-priced auto insurance? It’s quite common and there are lots of people in the same boat. Big companies like State Farm, Allstate, GEICO and Progressive promote their brand names with advertising and it is challenging if not impossible to separate fact from fiction and take the time to shop coverage around.

If you are insured now or are looking for a new policy, you can follow these tips to find better prices and still get good coverage. Finding affordable coverage is easy if you know what you’re doing. Consumers just need to know the proper way to compare rates on the web.

Compare insurance rates

Finding a lower price on 1995 Volkswagen Golf insurance is an easy way to save money. The only thing you need to do is take time comparing rate quotes provided by online insurance companies. You can get a good selection of rate quotes using one of these methods.

  1. The best way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for repetitive form entry for each company you want a rate for. A single form will return price quotes from multiple companies.
  2. Another way to compare prices consists of going to each company’s website and get a separate price quote. For instance, we’ll pretend you are doing a rate comparison from Farmers, Safeco and Progressive. To get each rate you have to go to each individual site and repeatedly type in your coverage information, which is not fast way to get rate quotes.

    To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just be sure you’re using apples-to-apples coverage limits and deductibles for each price quote. If your comparisons have higher or lower deductibles then you won’t be able to make a fair rate comparison.

These discounts can lower auto insurance rates

Companies that sell car insurance don’t always advertise every discount in a way that’s easy to find, so we took the time to find both well-publicized and also the more inconspicuous discounts that you can inquire about if you buy auto insurance online.

  • Telematics Discount – Policyholders that allow driving data submission to spy on driving manner by using a small device installed in their vehicle such as State Farm’s In-Drive might see lower rates if they are good drivers.
  • Military Discounts – Having a family member in the military could mean lower premium rates.
  • Life Insurance Discount – Not all companies offer life insurance, but some may give you lower auto insurancerates if you buy auto and life insurance together.
  • Multiple Policy Discount – If you have multiple policies with one insurance company they may give you a discount of at least 10% off all policies.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it can save substantially.
  • Low Mileage Discounts – Low annual miles could earn lower auto insurancerates on the low mileage vehicles.
  • Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems are stolen less frequently and will save you 10% or more.
  • Save with a New Car – Adding a new car to your policy can get you a discount due to better safety requirements for new model year vehicles.
  • Own a Home and Save – Owning a home can save you money because maintaining a house shows financial diligence.
  • Distant Student Discount – Any of your kids living away from home attending college and do not have access to a covered vehicle may be insured at a cheaper rate.

One thing to note about discounts is that most credits do not apply to the entire policy premium. Most only cut individual premiums such as medical payments or collision. So despite the fact that it appears you could get a free auto insurance policy, you aren’t that lucky.

Larger auto insurance companies and some of the premium reductions they offer can be found below.

  • Progressive discounts include online signing, homeowner, multi-policy, multi-vehicle, online quote discount, continuous coverage, and good student.
  • The Hartford offers discounts for good student, defensive driver, vehicle fuel type, anti-theft, air bag, driver training, and bundle.
  • Mercury Insurance may have discounts that include good driver, location of vehicle, age of vehicle, ease of repair, and low natural disaster claims.
  • GEICO has savings for multi-vehicle, anti-lock brakes, membership and employees, multi-policy, daytime running lights, five-year accident-free, and driver training.
  • AAA has discounts for good student, anti-theft, multi-policy, education and occupation, multi-car, and AAA membership discount.
  • State Farm offers premium reductions for good driver, multiple policy, driver’s education, defensive driving training, and Steer Clear safe driver discount.

When comparing rates, check with each insurance company what discounts are available to you. Some discounts listed above may not apply to policies in your state. To see insurance companies with discount rates, click here to view.

When do I need an agent’s advice?

When buying the best insurance coverage coverage for your personal vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. For example, these questions could help you determine if you would benefit from an agent’s advice.

  • Does my policy cover my teen driver if they drive my company car?
  • When do I need to add a new car to my policy?
  • Do I have any recourse if my insurance company denies a claim?
  • Are split liability limits better than a combined single limit?
  • Is my babysitter covered when using my vehicle?
  • Can I drive in Mexico and have coverage?
  • When should my teen driver be added to my policy?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Car insurance 101

Learning about specific coverages of your auto insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by auto insurance companies.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for ambulance fees, prosthetic devices, nursing services, X-ray expenses and dental work. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a mailbox, sideswiping another vehicle, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive insurance – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a deer, hail damage, hitting a bird and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Liability auto insurance – Liability coverage can cover damage or injury you incur to other’s property or people that is your fault. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for claims such as medical expenses, attorney fees and emergency aid. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Be Smart and Buy Smart

As you shop your coverage around, you should never reduce coverage to reduce premium. In many instances, an insured cut full coverage to discover at claim time that it was a big mistake. Your goal should be to buy the best coverage you can find at the best possible price and still be able to protect your assets.

We just showed you many ideas to lower your 1995 Volkswagen Golf insurance rates. The key concept to understand is the more companies you get auto insurance rates for, the more likely it is that you will get a better rate. Consumers may even find the lowest priced car insurance comes from a small local company. Regional companies may only write in your state and offer lower auto insurance rates than the large multi-state companies such as State Farm or Progressive.

Some insurance companies may not offer rates over the internet and many times these regional carriers provide coverage only through local independent agents. Cheap 1995 Volkswagen Golf insurance can be purchased on the web in addition to many insurance agents, and you should be comparing both to get a complete price analysis.

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Comments About 1995 Volkswagen Golf Insurance

  1. Ira Stephenson

    Nice post. Live in San Diego, California. I got free quotes from USAA, AIG Insurance, Hartford, and Mercury for my 1995 Volkswagen Golf and saved around $100 a year. Not sure if rates are cheaper online or through an agent. Liability only on my Volkswagen.

  2. Mike Lancaster

    I live just outside Henderson, Nevada. Compared rates from a lot of places. Saved roughly $20 a month. Allstate was the cheapest for me. Just waiting to see how claims go.

  3. Beula Maxwell

    Mine is so expensive. I live in Rutland, VT. Received rates from AIG Insurance, Mercury, and Travelers for my Golf and saved $67 a year. Left 21st Century to switch. I think they have home insurance too. I got prices on the web.

  4. Adelina Shepherd

    From a town just southwest of Idaho Falls, ID. Got quotes from 21st Century, AAA, Eastwood, and Liberty Mutual for my Volkswagen and I’m now saving $25 a month. Not sure about claim service. I dropped full coverage awhile back.

  5. Deedra Goodwin

    I got quite a few price quotes for a 1995 Volkswagen Golf in New Haven, CT. Ended up at roughly $100 every six months with Amica. They were helpful in switching over. I’m thinking about dropping full coverage though.

  6. Eufemia Stein

    IMHO Fairbanks, AK seems to have good rates from GEICO.

  7. Margareta Flynn

    Like your site, BTW. I’m from Norfolk, VA. Quoted quotes from American Family, Eastwood, and Mercury for my 1995 Volkswagen Golf and saved $78 a year. Insured with AIG Insurance before. They offer free online rate quotes. I don’t put full coverage on it.

  8. Kyla Franco

    I’m in the east part of Cincinnati, OH. Got car insurance quotes from Travelers, AIG Insurance, Liberty Mutual, and Safeco for my Volkswagen and I’m now saving $23 a month. Have an at-fault accident tho. :P

  9. Ailene Hays

    If you have a good history and live in the vicinity of Mobile, AL, check out GEICO. You might save some money. :P

  10. Shiela Turner

    In Jackson, Mississippi, Progressive is a good choice. Got better coverage too. Book value doesn’t justify full coverage anymore.

  11. Salina Henson

    Progressive and State Farm were both pretty cheap in Tucson, AZ.

  12. Nikole Harris

    Will Progressive raise rates after an accident?

  13. April Curtis

    Got pretty cheap 1995 Volkswagen Golf insurance from State Farm in Billings, Montana.