2010 Volkswagen Golf Car Insurance Quotes – 6 Savings Tips

Are you regretting the purchase of an overpriced car insurance policy? It’s a common feeling and there are lots of people in the same boat.

Multiple car insurance companies compete for your insurance dollar, so it can be very hard to choose a insurance company and uncover the absolute best price available.

Buy car insurance online

Many insurance companies make it easy to get coverage price quotes direct online. Obtaining pricing doesn’t take much effort because it’s just a matter of typing in your personal and coverage information into the quote form. Upon sending the form, the system obtains your credit score and driving record and quotes a price based on these factors. Being able to quote online makes it simple to compare prices but having to visit many different websites and complete many quote forms is monotonous and tiresome. But it’s also necessary to have as many quotes as possible if you are searching for the lowest price.

Online rates the easy way

A less time-consuming method to lower your car insurance bill uses one simple form to obtain quotes from more than one company. It saves time, eliminates repetitive work, and makes comparison shopping much easier to do. After sending your information, it gets priced with multiple companies and you can pick any of the returned quotes.

If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. This process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To find out how much you’re overpaying now, simply click here to open in new window and input your coverage information. To compare your current rates, we recommend you copy as shown on your current policy. This guarantees you will receive a fair comparison based on similar coverages.

Car insurance companies offer lots of discounts

Buying car insurance is not cheap, but you may be missing some discounts that can dramatically reduce your bill. Some discounts will apply at quote time, but a few must be specifically requested before they will apply.

• Resident Student – who are enrolled in higher education away from home and do not take a car to college can be insured at a reduced rate.
• Discounts for Good Drivers – Drivers who avoid accidents can pay as much as 50% less for Golf coverage than drivers with accident claims.
• Homeowners Discount – Being a homeowner may earn you a small savings because of the fact that having a home requires a higher level of personal finance.
• Discount for Life Insurance – Some insurance carriers give a lower car insurance rate if you buy some life insurance in addition to your auto policy.
• Lower Rates for Military – Having an actively deployed family member could trigger a small discount.
• Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply the the whole policy. Some only reduce specific coverage prices like collision or personal injury protection. Despite the appearance that adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Larger car insurance companies and the discounts they provide are shown below.

• Geico has discounts for good student, military active duty, daytime running lights, membership and employees, anti-theft, seat belt use, and driver training.
• Mercury Insurance offers discounts including professional/association, age of vehicle, type of vehicle, good driver, and anti-theft.
• Farmers Insurance may include discounts for switch companies, good student, pay in full, business and professional, and homeowner.
• Auto-Owners Insurance has savings for multiple vehicles, teen driver, group or association, anti-lock brakes, mature driver, paid in full, and safe driver.
• Liberty Mutual offers discounts for teen driver discount, hybrid vehicle, good student, preferred payment discount, multi-policy, newly retired, and safety features.
• SAFECO includes discounts for anti-lock brakes, teen safety rewards, safe driver, multi-car, and teen safe driver.
• Progressive discounts include online signing, continuous coverage, multi-policy, homeowner, and good student.
• USAA may have discounts that include vehicle storage, new vehicle, safe driver, loyalty savings, multi-vehicle, driver training, and family discount.

It’s a good idea to ask every prospective company to give you their best rates. Some discounts listed above might not apply in your area. To see a list of providers that offer multiple discounts, follow this link.

Do I just need basic coverages?

When it comes to choosing the best insurance coverage for your vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions might help in determining whether your personal situation may require specific advice.

• Will my rates increase for filing one claim?
• Do I need motorclub coverage?
• Should I file a claim if it’s only slightly more than my deductible?
• Does liability extend to a camper or trailer?
• Do I pay less for low miles?
• Do I benefit by insuring my home with the same company?
• Can my babysitter drive my car?
• Do I need special endorsements for business use of my vehicle?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Save $459 a year! What?

Big name companies like Allstate, Geico and Progressive constantly bombard you with ads on TV and radio. They all seem to convey the message about how much you will save if you move your coverage. How does each company make almost identical claims? It’s all in the words they use.

Different companies have underwriting criteria for a prospective insured that will add to their bottom line. A good example of this type of risk profile should be over the age of 50, has never had a claim, and has excellent credit. Someone who meets those qualifications will get a cheap rate quote and most likely will pay quite a bit less when switching companies.

Consumers who fall short of these criteria may receive higher premiums and this results in business not being written. The ads state “customers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That is how companies can truthfully lure you into getting a quote.

Because every company is different, drivers must compare quotes as often as possible. Because without a comparison, you cannot know which insurance companies will provide you with the cheapest car insurance rates.

Insurance coverage basics

Having a good grasp of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. These are typical coverages available from insurance companies.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as falling objects, damage from flooding, theft and vandalism. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability

This provides protection from damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against things like bail bonds, emergency aid and medical services. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Collision protection

This 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 and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a ditch, damaging your car on a curb, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Golf.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for bills like dental work, EMT expenses, nursing services and pain medications. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Be a money saver!

As you shop your coverage around, don’t be tempted to reduce needed coverages to save money. There have been many situations where an insured cut physical damage coverage only to discover later that the few dollars in savings costed them thousands. The aim is to buy enough coverage for the lowest price.

You just read a lot of techniques to save on 2010 Volkswagen Golf insurance. The most important thing to understand is the more you quote insurance coverage, the better your comparison will be. Consumers could even find that the lowest priced auto insurance comes from the least-expected company. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, Geico and Nationwide.

Some auto insurance companies may not offer online quoting and these smaller companies only sell coverage through independent insurance agencies. Lower-priced auto insurance is definitely available both online in addition to local insurance agencies, and you should compare price quotes from both to get a complete price analysis.

Additional auto insurance information can be read at these links:

• Get the Right Protection (InsureUonline.org)
• How do I File a Claim? (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Red Light Cameras (State Farm)