2012 Volkswagen Golf Insurance Rates – 7 Tricks for Cheaper Quotes

Looking for cheaper car insurance rates for your Volkswagen Golf? Drivers not familiar with buying insurance coverage online are likely to find purchasing cheap insurance is harder than it needs to be.

Lower rates by qualifying for these seven discounts

Some insurance providers do not list their entire list of discounts very well, so the list below contains a few of the more well known and also the more inconspicuous savings tricks you should be using when you buy insurance online.

• Multi-policy Discount – If you can bundle your home and auto insurance with the same insurance company you could get a discount of nearly 15% which can help you find cheaper insurance.
• Save over 55 – Mature drivers can possibly qualify for reduced rates for Golf coverage.
• Paper-free Discount – Many companies will give a small break for buying a policy and signing up digitally online.
• Driver’s Education for Students – Cut your cost by having your teen driver take driver’s ed class as it can save substantially.
• Resident Student – Kids living away from home attending college and do not take a car to college could qualify for this discount.
• Fewer Miles Equal More Savings – Maintaining low annual mileage can qualify you for lower insurancerates due to less chance of an accident.
• First Accident Forgiveness – Not really a discount, but some companies like Progressive, Allstate, and Liberty Mutual will turn a blind eye to one accident before they charge you more for coverage if you are claim-free before the accident.

One thing to note about discounts is that most credits do not apply to the entire cost. Most only cut individual premiums such as physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Popular insurance companies and the discounts they provide are:

• State Farm has savings for defensive driving training, student away at school, driver’s education, passive restraint, and accident-free.
• Progressive includes discounts for continuous coverage, multi-vehicle, online signing, online quote discount, multi-policy, and homeowner.
• Progressive offers premium reductions for multi-policy, multi-vehicle, online signing, continuous coverage, homeowner, good student, and online quote discount.
• MetLife offers discounts for multi-policy, defensive driver, claim-free, accident-free, good driver, and good student.
• Farm Bureau has discounts for multi-policy, youthful driver, good student, multi-vehicle, renewal discount, and 55 and retired.
• Geico may include discounts for military active duty, federal employee, defensive driver, multi-vehicle, daytime running lights, five-year accident-free, and good student.
• SAFECO may have discounts that include teen safe driver, drive less, accident prevention training, multi-car, and safe driver.

When getting free insurance quotes, it’s a good idea to all the companies to apply every possible discount. A few discounts might not apply in every state. If you would like to choose from a list of providers with discount rates, click here to view.

Car insurance is unique, just like you

When it comes to choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining whether you would benefit from an agent’s advice.

• Do all my vehicles need collision coverage?
• When would I need additional glass coverage?
• Do I have coverage when using my vehicle for my home business?
• What is PIP insurance?
• Can I afford to pay high deductible claims out of pocket?
• Is business equipment covered while in my vehicle?
• What is roadside assistance coverage?
• Can I rent a car in Mexico?
• Does my insurance cover damage caused when ticketed for reckless driving?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form.

Information about specific coverages

Learning about specific coverages of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability car insurance

This provides protection from damage or injury you incur to people or other property. This coverage protects you from legal claims by others. It does not 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 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims like emergency aid, legal defense fees, court costs and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills like EMT expenses, surgery, ambulance fees, chiropractic care and prosthetic devices. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Auto collision coverage

This coverage pays for damage to your Golf resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a building, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, rock chips in glass, vandalism, damage from a tornado or hurricane and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Golf.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.

Do the work, save more money

In this article, we covered quite a bit of information on how to shop for 2012 Volkswagen Golf insurance online. The key concept to understand is the more you quote insurance, the higher your chance of finding cheaper insurance. Drivers may discover the lowest premium rates are with a small local company.

While you’re price shopping online, you should never buy less coverage just to save a little money. In too many instances, an accident victim reduced physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at the best cost.

Low-cost 2012 Volkswagen Golf insurance is attainable both online and from local agencies, so you need to quote insurance with both to have the best rate selection. A few companies do not provide rates over the internet and most of the time these small, regional companies only sell through local independent agents.

Additional learning opportunities

• What is Full Coverage? (Allstate)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)