Compare 2002 Volkswagen Golf Insurance Rates

Sick and tired of scraping nickels together to insure your Volkswagen every month? You are in the same boat as many other drivers. Drivers have many insurers to pick from, and though it is a good thing to be able to choose, it makes it harder to find a good deal.

Consumers should take time to take a look at other company’s rates on a regular basis because insurance coverage prices are variable and change quite frequently. Just because you had the lowest price for Golf insurance a couple years back other companies may now be cheaper. Forget all the misinformation about insurance coverage because I’m going to teach you how to use the internet to find better rates and still maintain coverage.

Pricing the lowest cost coverage is easy if you know what you’re doing. If you have a policy now or need new coverage, you can use these techniques to cut your premiums and still get good coverage. Vehicle owners only need an understanding of how to shop on the web.

How to buy insurance online

Lowering your 2002 Volkswagen Golf insurance rates is an easy way to save money. The only thing you need to do is spend a few minutes getting comparison quotes online from several insurance companies. Rate comparisons can be done using one of these methods.

1. The single most time-saving way to find low rates is a comparison rater form click to view form in new window. This method eliminates the need for separate quotation requests for each company you want a rate for. One form compares rates from many national carriers.
2. A more difficult way to find better pricing requires you to visit each individual company website and repeat the quote process again and again. For example, we’ll pretend you want rates from State Farm, Progressive and GMAC. To do that, you would have to take the time to go to each site and punch in your information repeatedly, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.
3. The least efficient and most time consuming method to comparison shop to all the different insurance agencies. The ability to quote online reduces the need to sit down with an agent unless you prefer the professional guidance of a local agency. You can, however, get prices online and get advice from an agent in your area.

Whichever way you use, be sure you’re using apples-to-apples quote data for each quote you get. If you enter unequal deductibles or liability limits you will not be able to make a fair rate comparison.

Find hidden discounts on insurance

Companies do not list all their discounts very clearly, so the list below gives a summary of some of the more common and the harder-to-find discounts that may be available. If you check and find you aren’t receiving every discount possible, you’re just leaving money on the table.

• Theft Deterent System – Anti-theft and alarm system equipped vehicles are stolen less frequently and qualify for as much as a 10% discount.
• Early Renewal Discounts – Some insurance companies reward drivers for switching companies prior to the expiration date on your current policy. The savings is around 10%.
• Pay Early and Save – By paying your policy upfront rather than paying monthly you may reduce your total bill.
• Discounts for Responsible Drivers – Insureds who avoid accidents can save as much as half off their rates for Golf insurance than drivers with accident claims.
• Multiple Policy Discount – If you combine your home and auto policies and place coverage with the same company you will save over 10 percent off each policy depending on the company.
• Homeowners Savings – Just being a homeowner can help you save on insurance since owning and maintaining a home requires personal responsibility.
• Telematics Data Discounts – People who choose to allow their insurance company to look at driving habits remotely like Allstate’s Drivewise might get better premium rates as long as they are good drivers.
• Auto/Life Discount – Some insurance carriers give a lower insurance rate if you buy some life insurance too.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.

One thing to note about discounts is that some credits don’t apply to the overall cost of the policy. Most cut the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way.

Auto insurance companies who might offer these discounts include:

• Geico
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

If you are trying to find cheap auto insurance quotes, ask each company or agent to apply every possible discount. Savings may not be offered in your area.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can aid in determining whether or not you may require specific advice.

• Do I need PIP coverage since I have good health insurance?
• Does insurance cover tools stolen from my truck?
• I have good health insurance, so how much medical payments coverage do I need?
• Is my dog or cat covered if injured in an accident?
• Am I covered when pulling a rental trailer?
• What can I do if my company denied a claim?
• When should I drop full coverage on my 2002 Volkswagen Golf?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

How insurance providers determine Volkswagen Golf insurance rates

Many different elements are part of the calculation when premium rates are determined. Some are obvious such as traffic violations, although some other factors are more obscure like where you live or your commute time.An important part of buying insurance is that you know the factors that come into play when calculating the rates you pay for car insurance. If you have a feel for what influences your rates, this allows you to make educated decisions that can earn you big savings.

• Claim-free discounts can add up – If you are the type of insured that files lots of claims you should expect either a policy non-renewal or much higher rates. Auto insurance companies give better rates to drivers who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
• Youthful drivers pay high costs – Drivers with little experience are proven to be more careless when driving with friends so they pay higher car insurance rates. If you’ve ever had to add a beginning driver onto your car insurance can really hurt. More experienced drivers are shown to be more cautious, are lower risk to insure and are safer drivers.
• Use one insurance company and save – Lots of insurance companies afford a discount to clients who carry more than one policy such as combining an auto and homeowners policy. Even with this discount, drivers will still want to shop around to ensure the best deal.
• Limits of liability coverage – Your policy’s liability coverage kicks in when a court rules you are at fault for damages caused by your negligence. It provides legal defense which can cost thousands of dollars. Liability insurance is pretty cheap as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
• Maintain car insurance coverage – Driving your car without having proper coverage is against the law and as a result your rates will increase for letting your insurance lapse for non-payment. In addition to paying higher premiums, getting caught without coverage could result in a license revocation or jail time.
• Low physical damage deductibles cost more – Protection for physical damage, also called ‘full coverage’, covers damage that occurs to your Volkswagen. Some examples of claims that would be covered could be colliding with a building, collision with an animal, and windstorm damage. The deductibles you choose tell how much you are willing to pay out-of-pocket if a covered claim is submitted. The more money you have to pay, the less money you will pay for car insurance for Golf insurance.
• Deter theft and pay less – Selecting a car model with an alarm system can help lower your rates. Theft prevention devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart auto theft.

Buyer beware of insurance coverage advertising tricks

Consumers can’t ignore all the ads that promise big savings from the likes of Geico, State Farm and Progressive. They all seem to make an identical promise about saving some big amount after switching your coverage to them.

It sounds good, but how can they all lower your rates? Here is the trick they use.

Many companies are able to cherry pick for the type of driver that will generate a profit. A good example of a preferred risk might have to be between the ages of 30 and 45, is a homeowner, and has a short commute. A customer who meets those qualifications will probably get cheap car insurance rates and therefore will save money with a new company.

Potential insureds who fall short of this ideal profile may receive higher rates with the end result being business not being written. The ads say “people that switch” but not “all drivers who get quotes” save the amount stated. This is how insurance companies can state the savings.

Because of these techniques, you really need to compare as many free auto insurance quotes as you can. It’s just not possible to know which insurance coverage company will give you lower car insurance rates than your current company.

Coverages available on your policy

Understanding the coverages of your car insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types offered by car insurance companies.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your 2002 Volkswagen Golf.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are set the same as your liablity limits.

Auto liability

Liability insurance can cover injuries or damage you cause to other people or property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims like attorney fees, medical services, legal defense fees and emergency aid. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Coverage for collisions

This coverage covers damage to your Golf caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, scraping a guard rail, colliding with another moving vehicle, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, damage from flooding, hail damage and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills such as X-ray expenses, hospital visits, surgery, rehabilitation expenses and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

You can do this!

When you buy auto insurance online, make sure you don’t reduce needed coverages to save money. Too many times, an insured dropped comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The goal is to purchase a proper amount of coverage for the lowest cost, but don’t skip important coverages to save money.

A few companies do not offer price quotes online and these small insurance companies only sell coverage through independent agencies. Discount 2002 Volkswagen Golf insurance can be sourced both online and with local insurance agents, and you should compare rates from both in order to have the best price selection to choose from.

In this article, we presented a lot of ways to get a better price on 2002 Volkswagen Golf insurance. The key concept to understand is the more rate comparisons you have, the better likelihood of getting the cheapest auto insurance. You may even discover the lowest premium rates come from a small mutual company. These companies can often provide lower prices in certain areas compared to the large companies like Progressive or Geico.

For more information, feel free to visit these articles:

• Booster Seat Ratings (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)
• Determing Auto Insurance Rates (Geico)
• What is Covered by GAP Insurance? (Allstate)