Top 7 Ways to Save on Volkswagen Golf Insurance

Have you had enough of scraping the payment together to insure your Volkswagen every month? You’re in the same situation as millions of other consumers.

Because there are so many choices, it is very difficult to locate the most cost effective car insurance company.

It’s smart to price shop coverage once or twice a year because rates are variable and change quite frequently. Just because you had the lowest price on Golf insurance two years ago you will most likely find a better rate today. You can find a lot of misleading information regarding car insurance on the internet, so I’m going to show you the easiest ways to stop overpaying for insurance.

These seven discounts can lower your rates

Insuring your vehicles can cost a lot, buy you may qualify for discounts to reduce the price significantly. Larger premium reductions will be automatically applied at quote time, but less common discounts must be inquired about before you get the savings.

Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Golf insurance than their less cautious counterparts.
Federal Government Employee – Simply working for the federal government may qualify you for a discount on Golf insurance with certain companies.
New Vehicle Savings – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
Homeowners Savings – Simply owning a home may trigger a car insurance policy discount because owning a home is proof that your finances are in order.
Life Insurance Discount – Companies who offer life insurance give lower rates if you buy life insurance from them.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. Any amount of discount will help reduce the amount you have to pay.

To see a list of insurers with discount car insurance rates, click this link.

Do I need a local agent?

Certain consumers would rather buy from a licensed agent and that is OK! One of the best bonuses of comparing rates online is you can get better rates and still have an agent to talk to. And providing support for local agencies is important especially if you live in a smaller city or town.

To find an agent, once you fill out this simple form, your insurance data is instantly submitted to agents in your area who will battle for your insurance coverage. There is no reason to visit any agencies as quotes are delivered to your email. You’ll get the best rates AND a local agent.

Insurance agent types

When searching for an insurance agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Agents are classified as either captive or independent (non-captive).

Independent Insurance Agents

Independent insurance agents are not locked into one company but instead can place your coverage amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies.

When searching for an agent, you should always contact at a minimum one independent agency to ensure the widest selection of prices.

Agency Captives

These agents are contracted to one company like American Family, State Farm and Allstate. They generally cannot shop your coverage around so they have to upsell other benefits. These agents are usually quite knowledgeable in insurance sales and that can be a competitive advantage.

For a full directory of insurance agencies, click here.

Choosing a car insurance agent shouldn’t rely on just a low price. Any agent should have no problem answering these questions:

Can glass repairs be made at your home?
Do they feel the quoted coverages are adequate?
Is assistance available after office hours?
Are claims handled at the agent’s location?
Are there any hidden costs in their price quote and does it include driving and credit history?
How often do they review policy coverages?
Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
What insurance companies do they recommend if they are an independent agent?

Upon getting acceptable answers and an affordable coverage quote, you may have just found a car insurance agent that meets your needs to insure your vehicles. Just keep in mind policyholders can terminate coverage at any time so don’t think you’re contractually obligated to a policy for the entire policy term.

Coverage specifics

Learning about specific coverages of a car insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are the usual coverages found on the average car insurance policy.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses for hospital visits, nursing services and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision coverage covers damage to your Golf caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a ditch, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Liability auto insurance – Liability insurance protects you from damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: 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 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like structural damage, medical expenses and bail bonds. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Volkswagen Golf.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision) – This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from flooding, theft, hitting a deer and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Keep this in mind

In this article, we presented some good ideas how you can reduce Volkswagen Golf insurance prices online. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. Consumers could even find that the lowest priced car insurance comes from a smaller regional carrier. They may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate, GEICO and Progressive.

When shopping online for car insurance, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where someone dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.