Cheaper 2017 Volkswagen Golf Insurance Rates

Searching for better car insurance rates for your Volkswagen Golf? Getting the lowest cost car insurance can appear to be somewhat intimidating for vehicle owners who are new to online price comparisons. Because there are so many online companies, how are vehicle owners able to have time to compare every company in order to find the best price?

Shopping for cheaper insurance coverage can be fairly easy. Essentially every driver who shops for insurance stands a good chance to be able to reduce their rates. But consumers can benefit from knowing the way companies determine prices and take advantage of how the system works.

Discount insurance coverage rates

Some insurance providers don’t always publicize all possible discounts in an easy-to-find place, so the next list breaks down a few of the more well known as well as some of the hidden discounts that you can inquire about if you buy car insurance online.

• Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and earn discounts up to 10% off your car insurance quote.
• Safety Course Discount – Completing a course that instructs on driving safety could save 5% or more and easily pay for the cost of the class.
• Discounts for New Vehicles – Putting insurance on a new car can get you a discount compared to insuring an older model.
• Good Students Pay Less – This discount may save you up to 25%. The good student discount can last up until you turn 25.
• Online Discount – A few insurance companies may give you up to $50 get car insurance on their website.
• Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of 20% or more.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
• First Accident Forgiveness – This one is not really a discount per se, but certain companies will forgive one accident without the usual rate increase if you have no claims before the accident.
• Homeowners Pay Less – Being a homeowner can help you save on insurance coverage since home ownership requires a higher level of personal finance.
• Club Memberships – Having an affiliation with a professional or civic organization could trigger savings on your next renewal.

We need to note that some credits don’t apply to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way.

A list of companies and a summarized list of policyholder discounts are detailed below.

• State Farm offers discounts including good driver, multiple policy, defensive driving training, Steer Clear safe driver discount, passive restraint, and good student.
• Progressive may have discounts that include continuous coverage, multi-policy, multi-vehicle, good student, homeowner, and online quote discount.
• Travelers offers discounts for new car, home ownership, driver training, student away at school, early quote, save driver, and IntelliDrive.
• American Family has savings for accident-free, air bags, multi-vehicle, TimeAway discount, mySafetyValet, and Steer into Savings.
• Liberty Mutual discounts include new graduate, hybrid vehicle, safety features, multi-car, and teen driver discount.

If you need lower rates, check with every insurance company how many discounts you can get. Savings may not apply to policyholders in your area. To choose insurers who offer online insurance coverage quotes, click this link.

Components of your Volkswagen Golf insurance rates

Many factors are considered when you get a price on insurance. Most are fairly basic such as traffic violations, but others are not as apparent like your continuous coverage or how financially stable you are.

• Never let your insurance policy expire – Not maintaining insurance is against the law and you will pay a penalty because you let your insurance expire. In addition to paying higher rates, the inability to provide proof of insurance may result in fines and jail time.
• Age of drivers – More experienced drivers are more responsible, are lower risk to insure and receive fewer citations.Teenage drivers are statistically proven to be easily distracted with other occupants in the car and because of this, their insurance rates are much higher.
• Better drivers pay less – Whether or not you get tickets has a huge affect on how much you pay. Drivers who don’t get tickets receive lower rates than their less careful counterparts. Even a single moving violation can boost insurance rates substantially. Drivers who have gotten careless tickets such as reckless driving or DUI may be required to maintain a SR-22 with their state DMV in order to legally drive.
• Liability limits are a factor – A critical coverage on your policy, liability insurance kicks in when a jury decides you are liable for personal injury or accident damage. Liability provides legal defense coverage up to the limits shown on your policy. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
• Keep rates low by being claim-free – If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Insurance companies award lower rates to insureds who file claims infrequently. Auto insurance is intended to be relied upon for more catestrophic claims.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage, there really is no perfect coverage plan. Everyone’s needs are different.

For instance, these questions can help discover if your situation would benefit from an agent’s advice.

• Should I carry comprehensive and collision coverage?
• Am I covered when driving on a suspended license?
• Should I have a commercial auto policy?
• When can I cancel my policy?
• I don’t drive much so do I pay less?
• Does coverage extend to my business vehicle?
• Am I covered when delivering products for my home-based business?
• Can I get a multi-policy discount?
• Should I buy additional glass protection?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Parts of your auto insurance policy

Learning about specific coverages of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like pain medications, X-ray expenses and ambulance fees. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Uninsured and underinsured coverage – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Volkswagen Golf.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Auto liability insurance – Liability insurance can cover damages or injuries you inflict on people or other property. This insurance protects YOU against claims from other people, and does not provide coverage for 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 limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as loss of income, bail bonds and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – Collision insurance covers damage to your Golf resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with a tree, scraping a guard rail, sustaining damage from a pot hole, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverages – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a deer, theft, hail damage and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Be a Smart Shopper

We just presented many ideas to lower your 2017 Volkswagen Golf insurance premium rates. The key concept to understand is the more you quote car insurance, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced insurance comes from an unexpected company.

Cheap 2017 Volkswagen Golf insurance is definitely available both online as well as from insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies may not offer internet price quotes and most of the time these smaller companies sell through independent agencies.

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage at the best price and still be able to protect your assets.

Much more information about insurance is available on the following sites:

• Rental Reimbursement Coverage (Allstate)
• Older Drivers FAQ (iihs.org)
• Collision Insurance Coverage (Nationwide)
• Auto Insurance FAQ (Farmers Insurance)
• Red Light Cameras (State Farm)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)