Looking for the cheapest car insurance rates for your Volkswagen Golf? Sick and tired of paying out the nose to make your car insurance payment? Your situation is no different than many other drivers. Companies like Allstate and Progressive all claim big savings, bombarding you with catchy ads and it is challenging if not impossible to see past the corporate glitz and effectively compare rates to find the best deal.
The quickest method we recommend to compare car insurance company rates is to know almost all companies allow for online access to quote your coverage. The only thing you need to do is give the companies some data such as deductibles desired, the ages of drivers, how much education you have, and your occupation. Your details is instantly provided to insurance companies and they return cost estimate with very little delay.
Car insurance companies don’t always advertise every discount they offer in a way that’s easy to find, so we researched some of the best known and the more hidden ways to save on insurance coverage.
One last thing about discounts, many deductions do not apply to all coverage premiums. Most cut individual premiums such as liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, it’s just not the way it works. Any amount of discount will bring down the cost of your policy.
Some of the insurance companies that may include these money-saving discounts include:
If you need cheap insurance coverage quotes, ask every insurance company to give you their best rates. Some discounts listed above may not be offered in your area.
When it comes to buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different so your insurance needs to address that. These are some specific questions can help discover whether or not you may require specific advice.
If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.
Knowing the specifics of your auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages available from auto insurance companies.
Collision – Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for things such as sustaining damage from a pot hole, driving through your garage door, damaging your car on a curb, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.
Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for ambulance fees, dental work, EMT expenses, hospital visits and X-ray expenses. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Liability insurance – Liability insurance will cover damage or injury you incur to other people or property that is your fault. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.
Liability coverage protects against claims such as loss of income, court costs, pain and suffering, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.
UM/UIM Coverage – This gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Volkswagen Golf.
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 is a good idea.
Comprehensive or Other Than Collision – Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as theft, hitting a bird, hitting a deer, a tree branch falling on your vehicle and vandalism. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.