Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me when I say there are a lot of people just like you who feel imprisoned by their car insurance policy.
Numerous insurance companies battle for your insurance dollar, so it can be very hard to choose a insurer and uncover the absolute lowest rate
You need to take a look at other company’s rates on a regular basis because rates fluctuate regularly. If you had the lowest price for Golf coverage a few years ago you will most likely find a better rate today. So block out anything you think you know about car insurance because we’re going to show you how to use the internet to save money, get proper coverage and the best rates.
If you have car insurance now, you will most likely be able to lower your premiums substantially using this information. Finding affordable coverage is easy if you know what you’re doing. But vehicle owners can benefit by having an understanding of the way insurance companies sell insurance online and take advantage of how the system works.
Discounts are available to cut your rates
The cost of insuring your cars can be expensive, but you may find discounts to help offset the cost. Most are applied at the time of purchase, but some may not be applied and must be inquired about before they will apply.
- E-sign – A handful of insurance companies give back up to $50 just for signing your application on their website.
- Homeowners Discount – Owning a house can save you money because maintaining a house is proof that your finances are in order.
- Distant Student – Kids in college who are attending college without a vehicle on campus may qualify for this discount.
- Accident Forgiveness – A few companies permit an accident before raising your premiums so long as you haven’t had any claims for a set time period.
- Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
- Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
- Clubs and Organizations – Affiliation with a civic or occupational organization could trigger savings on your policy for Golf coverage.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
- Sign Early and Save – Select companies give a discount for buying a policy before your current expiration date. It can save you around 10%.
- More Vehicles More Savings – Having multiple cars or trucks on the same car insurance policy can get a discount on all vehicles.
It’s important to understand that most discounts do not apply the the whole policy. The majority will only reduce specific coverage prices like comp or med pay. So when it seems like you can get free auto insurance, it doesn’t quite work that way. But any discount will bring down your premiums.
To see a list of insurers with discount car insurance rates, click this link.
How to Get Car Insurance
There are several ways to compare rate quotes and find the best price. The simplest method to find competitive Volkswagen Golf insurance rates consists of obtaining rate quotes online. This can be done in a couple of different ways.
- The best way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This form eliminates the need for multiple quote forms for every car insurance company. Just one form will return quotes .
- A more time consuming way to obtain and compare quotes online consists of visiting the website of each company to complete their respective quote request forms. For instance, we’ll assume you want to compare rates from Nationwide, Allstate and Progressive. You would have to visit each site to input your insurance information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
- The least recommended method to get comparison rates is to drive around to different agent offices. Buying insurance online has reduced the need for local agents unless you want the trained guidance only provided by licensed agents. However, consumers can price shop your coverage online but still have the advice of a local agent and we’ll touch on that later.
It’s up to you how you get prices quotes, just be sure to compare apples-to-apples coverage limits with every price quote. If you enter different values for each quote it’s not possible to make an equal comparison. Having just a slight variation in limits can mean a large discrepancy in price. And when comparing car insurance rates, know that comparing more company’s prices will increase your chances of finding a lower rate.
How much car insurance do I need?
When choosing the best car insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether you would benefit from an agent’s advice.
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Do I need higher deductibles?
- What discounts do I qualify for?
- Is my custom paint covered by insurance?
- Does my Volkswagen Golf need full coverage?
- Can I afford to pay high deductible claims out of pocket?
- Should I file a claim if it’s only slightly more than my deductible?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Am I covered when driving someone else’s vehicle?
- Is my cargo covered for damage or theft?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.
Best coverage at the best price
As you prepare to switch companies, never buy poor coverage just to save money. There are too many instances where someone dropped uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.
Discount Volkswagen Golf insurance is definitely available online and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.
