Save on 1999 Volkswagen Golf Insurance Rates

High-priced Volkswagen Golf insurance can bottom out your checking account, especially in this economy. Comparison shopping is a smart way to lower your bills every month.

Popular companies such as Geico, Progressive and Allstate promote their brand names with ad campaigns and consumers find it hard to avoid their marketing magic and find the best price available.

Cheapest insurance price quotes

Getting a cheaper price on 1999 Volkswagen Golf insurance can be quick and easy. The only requirement is to spend a few minutes on the computer comparing free insurance quotes from online providers. This can easily be done using one of these methods.

1. Hands down the most simple method to compare a lot of rates at once is a comparison rater form (click to open form in new window). This style of form keeps you from doing separate quote forms for every prospective company. Taking the time to complete one form gets rate comparisons from several companies.
2. A harder way to find lower rates consists of going to each company website and repeat the quote process again and again. For example, we’ll pretend you are doing a rate comparison from Allstate, Farmers and American Family. To get rate quotes you would need to navigate to each company’s site and punch in your information repeatedly, which is why most consumers use the first method. To view a list of companies in your area, click here.
3. The least efficient and most time consuming method to get comparison rates is driving around to insurance agencies in your area. The fact that you can get quotes online eliminates the need for an insurance agent unless your situation requires the professional advice of a licensed agent. Although you can get prices online but have a local agent actually write the policy.

It doesn’t matter which method you choose, just ensure you are comparing nearly identical quote information with each company. If you enter different liability limits it’s impossible to determine the lowest rate for your Volkswagen Golf.

Use discounts to get cheaper insurance coverage rates

The cost of insuring your cars can be expensive, but you may qualify for discounts that you may not even be aware of. Some discounts will apply at the time of quoting, but a few must be requested specifically prior to getting the savings.

• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices help deter theft and will save you 10% or more.
• Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts may earn rate discounts of 20 to 30 percent.
• Claim-Free Discount – Good drivers with no accidents are rewarded with significantly better rates on insurance quote in comparison with drivers who are more careless.
• College Student Discount – Children who live away from home at college and leave their car at home may be able to be covered for less.
• Driver’s Education for Students – Teen drivers should enroll in driver’s education if offered at their school.
• Discount for Home Ownership – Just owning your own home may trigger a policy discount on insurance coverage due to the fact that maintaining a home demonstrates responsibility.

You should keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only apply to specific coverage prices like comp or med pay. So when it seems like it’s possible to get free car insurance, nobody gets a free ride.

A list of insurance coverage companies and a summarized list of policyholder discounts are included below.

• State Farm has savings for accident-free, safe vehicle, Steer Clear safe driver discount, passive restraint, and defensive driving training.
• Farmers Insurance discounts include teen driver, pay in full, business and professional, youthful driver, and distant student.
• Geico has discounts for defensive driver, military active duty, federal employee, anti-lock brakes, good student, driver training, and five-year accident-free.
• American Family may offer discounts for Steer into Savings, good driver, bundled insurance, multi-vehicle, TimeAway discount, and air bags.
• Nationwide offers discounts for Farm Bureau membership, accident-free, easy pay, business or organization, defensive driving, and multi-policy.
• Progressive includes discounts for multi-vehicle, online quote discount, homeowner, multi-policy, online signing, and continuous coverage.

When comparing rates, check with each company or agent how many discounts you can get. Some of the earlier mentioned discounts may not be available in your area. To see companies who offer cheap insurance coverage quotes, click here to view.

Tailor your insurance coverage coverage to you

When choosing coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions may help you determine whether or not you would benefit from professional advice.

• What if I owe more than I can insure my car for?
• What is roadside assistance coverage?
• How can I force my company to pay a claim?
• Do I need replacement cost coverage on my 1999 Volkswagen Golf?
• Is my state a no-fault state?
• Will I lose any money if I cancel my policy before it expires?
• Do I need replacement cost coverage?
• I have good health insurance, so how much medical payments coverage do I need?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Car insurance 101

Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. These are the usual coverages found on most insurance policies.

UM/UIM Coverage – This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, vandalism, hitting a bird, hail damage and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like dental work, rehabilitation expenses, pain medications and ambulance fees. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance – Liability insurance provides protection from damage that occurs to other’s property or people. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims like attorney fees, medical services and emergency aid. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Collision coverages – Collision insurance covers damage to your Golf from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, colliding with another moving vehicle, sustaining damage from a pot hole, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.