2015 Volkswagen Golf Car Insurance Quotes – 5 Savings Tips

Searching for low-cost insurance for a Volkswagen Golf could be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to shop for auto insurance so we’re going to tell you the absolute fastest way to compare rates for a new or used Volkswagen and obtain the lowest possible price either online or from local insurance agents.

Consumers should take time to do rate comparisons as often as possible because auto insurance prices trend upward over time. Despite the fact that you may have had the best deal on Golf insurance six months ago there is a good chance you can find better rates now. There is a lot of bad information regarding auto insurance online, but we’re going to give you a bunch of ideas how to reduce your auto insurance bill.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have a policy now or are just looking to switch companies, you can use these techniques to find the best rates while maintaining coverages. Drivers only need to know the tricks to buy car insurance online.

Get cheaper car insurance with discounts

Some companies don’t always advertise all disounts in a way that’s easy to find, so the list below details both well-publicized and also the more inconspicuous discounts that you may qualify for.

• College Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.
• Passive Restraint Discount – Vehicles equipped with air bags may qualify for discounts as much as 30%.
• Save with a New Car – Buying insurance on a new vehicle can get you a discount since new vehicles are generally safer.
• Own a Home – Owning your own home or condo can get you a discount because maintaining a house demonstrates responsibility.
• Telematics Devices – Policyholders that allow their insurance company to monitor their driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm may see discounts as long as they are good drivers.

One last thing about discounts, some of the credits will not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though you would think all those discounts means the company will pay you, companies don’t profit that way.

To view companies who offer cheap car insurance quotes, click here.

Tailor your insurance coverage to you

When it comes to buying adequate coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine whether or not you may require specific advice.

• What if I don’t agree with a claim settlement offer?
• Where can I get insurance after a DUI in my state?
• How much liability coverage do I need in my state?
• Who is covered when they drive my 2015 Volkswagen Golf?
• Is motorclub coverage worth it?
• Do I need higher collision deductibles?
• Should I buy additional glass protection?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage buyers beware

Drivers can’t escape the ads for cheaper insurance coverage by companies like Progressive, Geico, Allstate and State Farm. They all have a common claim that people will save if you move your insurance coverage coverage to their company.

It sounds good, but how can they all claim to save you money? It’s all in how they say it.

Insurance coverage companies offer their best rates for the type of driver that earns them the highest profit. One example of a preferred risk should be between 30 and 50, has no prior claims, and has excellent credit. Any driver who meets those qualifications will get very good rates and have a good chance to save a lot if they switch.

Potential insureds who fall short of the “perfect” profile may be forced to pay higher prices which results in the prospect going elsewhere. If you listen closely, the ads state “customers that switch” not “everyone who quotes” can get the lowest rates when switching. That’s the way insurance companies can make it sound like they have such great rates. Because every company is different, you really should compare as many free insurance quotes as you can. You cannot predict which insurance coverage company will have the best prices for your profile.

Insurance coverage breakdown

Learning about specific coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like driving through your garage door, backing into a parked car, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Volkswagen Golf.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, vandalism, damage from a tornado or hurricane and theft. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills such as rehabilitation expenses, EMT expenses, prosthetic devices, X-ray expenses and pain medications. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers 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 it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability insurance provides protection from damage or injury you incur to a person or their property by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as court costs, attorney fees and bail bonds. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Be Smart and Buy Smart

People leave their current company for a number of reasons such as an unsatisfactory settlement offer, denial of a claim, high prices or policy cancellation. Regardless of your reason for switching companies, finding a great new company is pretty simple and you could end up saving a buck or two.

As you restructure your insurance plan, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where consumers will sacrifice collision coverage only to discover later they didn’t purchase enough coverage. The proper strategy is to buy enough coverage at the best price and still be able to protect your assets.

We just covered quite a bit of information on how to get a better price on 2015 Volkswagen Golf insurance. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even find the biggest savings come from a smaller regional carrier.

More information

• Auto Insurance Basics (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• State Car Insurance Guides (Geico)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Red Light Cameras (State Farm)