View 2003 Volkswagen Golf Car Insurance Quotes

Searching for better insurance prices for a new or used Volkswagen Golf can normally be an all-consuming task, but you can use our auto insurance buying tips to find lower rates. There is a better way to buy auto insurance so we’re going to tell you the quickest way to get price quotes for your Volkswagen and locate the cheapest rates from local insurance agents and online providers.

It’s a good habit to get comparison quotes at least once a year since insurance prices are variable and change quite frequently. If you had the best deal on Golf insurance six months ago other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re about to learn the only way to reduce your cost while increasing coverage.

If you have a current insurance policy or are just looking to switch companies, you can use this information to reduce the price you pay while maximizing coverage. Pricing more affordable insurance coverage is simple if you know the tricks. Drivers just need to learn the most efficient way to get comparison quotes online.

Insurance policy discounts you can’t miss

Companies offering auto insurance don’t always list every disount available very well, so we took the time to find some of the best known as well as some of the hidden credits that may apply to you.

• Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices can help prevent theft and will qualify for a discount on a auto insurance quote.
• Life Insurance – Select insurance carriers reward you with a break if you buy a life insurance policy as well.
• ABS Braking Discount – Vehicles that have anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
• Student in College – College-age children who are attending college and won’t have access to an insured vehicle could qualify for this discount.
• Sign Early and Save – Some insurance companies reward drivers for switching companies before your current coverage expires. It can save you around 10%.
• Drive Safe and Save – Drivers who avoid accidents can save up to 40% or more on their auto insurance quote on Golf insurance than drivers with accident claims.
• No Claim Discounts – Good drivers with no accidents pay much less in comparison to policyholders that have many claims.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. Despite the appearance that adding up those discounts means a free policy, it just doesn’t work that way.

Popular insurance companies and their offered discounts can be read below.

• Geico may have discounts that include good student, military active duty, anti-theft, five-year accident-free, seat belt use, and defensive driver.
• MetLife includes discounts for claim-free, good driver, defensive driver, multi-policy, good student, accident-free
• Progressive policyholders can earn discounts including online quote discount, good student, multi-vehicle, continuous coverage, online signing, and multi-policy.
• Travelers has savings for student away at school, driver training, multi-policy, hybrid/electric vehicle, home ownership, early quote, and payment discounts.
• SAFECO may include discounts for drive less, anti-lock brakes, multi-car, safe driver, homeowner, anti-theft, and teen safe driver.
• AAA has discounts for multi-policy, good driver, good student, pay-in-full, and anti-theft.

If you want inexpensive auto insurance quotes, ask each insurance company the best way to save money. Some discounts might not be offered on policies in your area.

Informed consumers can cut their insurance costs

An important part of buying insurance is that you know the different types of things that are used to determine auto insurance rates. If you have a feel for what determines base rates, this allows you to make good choices that can earn you lower premium levels.

• Car plus home equals more savings – Lots of companies allow lower prices to people that purchase more than one policy. It’s known as a multi-policy discount. Even if you qualify for this discount already, it’s in your best interest to get quotes from other companies to help guarantee you have the best rates.
• Lower physical damage deductibles cost more – Physical damage protection, also known as collision and other-than-collision, is used to repair damage to your Volkswagen. Examples of some claims that would be covered are a dented fender, hitting a deer, and having your car stolen. Comprehensive and collision coverage deductibles define the amount you are required to spend out-of-pocket in the event of a claim. The more money you are required to pay out-of-pocket, the less money you will pay for auto insurance on Golf insurance.
• Extra policy coverages can cost a lot – There are a ton of extra coverages that may not really be needed when buying auto insurance. Insurance for personal injury protection, towing, and extra equipment coverage are probably not needed. These coverages may sound good when buying your policy, but if you have no use for them eliminate them to save money.
• Get hitched and pay lower prices – Having a significant other may earn you lower rates compared to being single. Having a spouse translates into being more mature and insurance companies reward insureds because married drivers get in fewer accidents.
• Miles driven impacts premiums – The higher the miles on your Volkswagen each year the more you will pay for auto insurance. The majority of insurers price each vehicle’s coverage based upon how much you drive. Autos used primarily for pleasure use receive better premium rates compared to those used for work or business. Incorrect rating for your Golf may be costing you. Make sure your vehicle rating reflects annual mileage.

Insurance agents can help

When buying the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions might point out whether you might need an agent’s assistance.

• How can I get my company to pay me more for my totalled car?
• Am I covered when delivering products for my home-based business?
• Am I covered if I hit a deer?
• Do I have coverage when pulling a U-Haul trailer?
• Is business equipment covered while in my vehicle?
• What is the rate difference between pleasure use and commuting?
• How do I insure my teen driver?
• Is my vehicle covered by my employer’s policy when using it for work?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Is there deception in advertising?

Consumers get pounded daily by advertisements that promise big savings for switching from the likes of State Farm and Allstate. All the companies state the claim about savings if you just switch your policy.

How does each company save you money?

All the different companies have specific characteristics for the type of customer that will most likely be profitable. A good example of a profitable customer could be over the age of 35, has no driving citations, and drives a safe vehicle. Someone that fits those parameters will get low premium rates and have a good chance to save if they switch.

Drivers who cannot meet the requirements will have to pay a more expensive rate and ends up with the customer not buying. If you listen to the ad wording, they say “customers that switch” not “everyone who quotes” save that much when switching. That is how insurance companies can confidently make those claims. Because of this risk profiling, you need to do a quote comparison often. It’s just too difficult to predict the company that will be your best fit.

Specifics of your insurance policy

Having a good grasp of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as prosthetic devices, surgery, rehabilitation expenses and doctor visits. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Liability coverage

This coverage will cover damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims such as loss of income, emergency aid, medical services and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

Collision insurance will pay to fix damage to your Golf resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as sustaining damage from a pot hole, rolling your car, colliding with another moving vehicle, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Volkswagen Golf.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, damage from getting keyed, a broken windshield and falling objects. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Don’t be a big spender

As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at the lowest possible cost, but don’t skip important coverages to save money.

Consumers leave their current company for a variety of reasons including questionable increases in premium, high rates after DUI convictions, being labeled a high risk driver or even an unsatisfactory settlement offer. No matter why you want to switch, choosing a new company is pretty easy and you might even save some money in the process.

Some insurance providers do not offer online price quotes and these small insurance companies only sell through independent insurance agents. Low-cost 2003 Volkswagen Golf insurance can be sourced on the web and with local insurance agents, and you should compare rates from both to have the best selection.

Additional information can be read below:

• Comprehensive Coverage (Liberty Mutual)
• Keeping Children Safe in Crashes Video (iihs.org)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• What does Personal Injury Protection (PIP) Cover? (Allstate)