Save on 1996 Volkswagen Golf Insurance Quotes

Locating the cheapest insurance for a Volkswagen Golf can turn out to be a lot of work, but you can learn these tips to save time. There are both good and bad ways to buy insurance so you’re going to learn the absolute fastest way to price shop coverage for a Volkswagen and obtain the lowest possible price either online or from local insurance agents.

If you have insurance now or are looking for a new policy, you can use these tips to shop for the lowest rates and still get good coverage. Buying the best coverage is quite easy. Drivers just need to know the proper way to get comparison rates online.

Where can I get affordable insurance?

Shopping for lower insurance rates can be a daunting task if you don’t know the fastest way to get free quotes. You could waste time talking about coverages with agents in your area, or you could use online quotes for quick rates.

The majority of car insurance companies take part in a program that enables customers to only type in their quote data once, and each participating company then returns a price quote determined by their information. This prevents consumers from doing quote forms for every insurance company.

To enter your information into the quoting system, click here to open in new window.

The one downside to pricing coverage this way is that consumers can’t choose the providers to get pricing from. If you prefer to choose individual companies to compare, we put together a list of insurance companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just be certain you are entering nearly identical quote information on every quote. If you use different limits and deductibles on each one you can’t possibly make a fair comparison for your Volkswagen Golf.

Auto insurance discounts help slash rates

Some companies do not advertise the complete list of policy discounts very clearly, so the following is a list of both well-publicized as well as some of the hidden discounts that you may qualify for. If you aren’t receiving every discount you qualify for, you may be paying too high a price.

  • Senior Citizens – Mature drivers may receive reduced rates for Golf coverage.
  • Paperless Signup – A few larger online companies will provide an incentive for signing up digitally online.
  • Full Payment Discount – By making one initial payment as opposed to paying monthly you can avoid monthly service charges.
  • More Vehicles More Savings – Insuring several vehicles with the same company can reduce rates for all insured vehicles.
  • Cautious Drivers – Insureds without accidents may save up to 50% more for Golf coverage than less cautious drivers.
  • Own a Home and Save – Owning your own home or condo may trigger a policy discount on auto insurance because owning a home is proof of financial responsibility.
  • Accident Free – Drivers who stay claim-free pay much less when compared with bad drivers.

Discounts lower rates, but some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, you aren’t that lucky.

A list of companies and some of the premium reductions they offer are outlined below.

  • 21st Century offers discounts for automatic seat belts, defensive driver, anti-lock brakes, good student, 55 and older, and driver training.
  • Progressive offers premium reductions for online signing, multi-policy, multi-vehicle, online quote discount, continuous coverage, good student, and homeowner.
  • State Farm may have discounts that include multiple policy, student away at school, Steer Clear safe driver discount, safe vehicle, and Drive Safe & Save.
  • Nationwide may include discounts for anti-theft, easy pay, accident-free, business or organization, family plan, and good student.
  • Esurance discounts include defensive driver, Pac-12 alumni, Switch & Save, multi-policy, paid-in-full, and online shopper.
  • The Hartford has savings for air bag, defensive driver, driver training, anti-theft, bundle, good student, and vehicle fuel type.

Before purchasing a policy, check with every insurance company the best way to save money. Savings might not be available to policyholders in your area. To find auto insurance companies that offer some of these discounts, click here.

Which is the best car insurance?

When it comes to buying the best car insurance coverage for your vehicles, there is no one size fits all plan. Every situation is different.

These are some specific questions may help you determine if you might need an agent’s assistance.

  • Will my insurance pay for OEM parts?
  • Am I covered if I hit a deer?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Who is covered when they drive my 1996 Volkswagen Golf?
  • What if I don’t agree with a claim settlement offer?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need an umbrella policy?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage considerations

Learning about specific coverages of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for expenses for prosthetic devices, pain medications and surgery. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision 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 claims such as crashing into a ditch, hitting a mailbox, backing into a parked car, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a deer, hitting a bird, a broken windshield and damage from flooding. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability auto insurance – Liability coverage provides protection from damage that occurs to a person or their property in an accident. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as legal defense fees, attorney fees, funeral expenses, repair costs for stationary objects and structural damage. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Comments About 1996 Volkswagen Golf Insurance

  1. Otha Cash

    I live just outside Indianapolis, IN. I compared lots of rates. Saved about $20 a month. Progressive was the cheapest for me. BTW speeding tickets are not good. :)

  2. Jamila Sandoval

    Found cheapest coverage with Liberty Mutual for my Golf and saved about $110 a year. Good multi-policy discounts. Not sure if rates are cheaper online or through an agent. Liability only on my Volkswagen.

  3. Freddie Quinn

    I’m in the west part of Mesa, AZ, and Progressive rates were best. I’m a pretty low risk driver. Not sure if rates are cheaper online or through an agent.

  4. Leora Best

    Is Progressive or State Farm cheaper in Buffalo, NY?

  5. Adelina Howell

    I found cheap 1996 Volkswagen Golf insurance in Boston, Massachusetts with 21st Century.

  6. Talitha Hamilton

    When do I drop full coverage?

  7. Tory Mays

    I compared a lot of rate quotes for a 1996 Volkswagen Golf in Buffalo, NY. Ended up at darn near $80 every six months with AAA.

  8. Claudio Pierce

    Got pretty cheap 1996 Volkswagen Golf insurance from GEICO in Rutland, Vermont.

  9. Carl Bauer

    From a town just southwest of Portland, ME. Received rates from Auto-Owners, Mercury, and some smaller one I can’t remember the name of for my Golf and I think I saved about $20 each month. Insured with Safeco before. I increased coverages a little too. They were helpful in switching over.

  10. Melvin Pitts

    Anyone know of any company in Denver, CO that will insure high risk drivers?

  11. Sylvester Mcpherson

    I got decent rates for a 1996 Volkswagen Golf in New Orleans, Louisiana. Ended up at darn near $110 every six months with AAA. Was with Encompass.

  12. Alverta Cummings

    I live just outside Bridgeport, CT. I got free quotes from MetLife, Farmers, 21st Century, and Amica for my Golf and am saving around $100 a year. I used their online quote form to compare rates. I dropped full coverage awhile back.

  13. Era Oliver

    In Green Bay, WI, American Family had the best rates for my 1996 Volkswagen Golf. Wish I didn’t have to insure at all. It’s only liability tho.