Five Minutes to Cheaper Volkswagen Golf Insurance
If we enjoyed shopping for car insurance, we'd do it more often. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. You might feel the same pain when having to pay the bill on your Volkswagen Golf.
Step One: Get Insurance Quotes
Up until just recently, the only option you had for shopping for insurance was getting a high pressure sales pitch in the office of your local insurance agent. Thanks to the internet, insurance shopping is a whole lot easier!
The first step to finding lower Volkswagen Golf rates is to get quotes from all the major car insurance companies. This is fast and easy and only requires you to complete one form.
To start saving, have your current policy handy and click the link below. Our short form makes it easy to enter your information and compare rates.
Use the Same Coverages! It's really important that when doing multiple quotes for your Golf that you use identical coverages for liability, comprehensive and collision. If you use different values, it's impossible to determine which company has the lower rates.
Step Two: How to Insure your Golf for Less
After completing step one and having some rates to compare, you can now focus on policy and lifestyle modifications that will lower your Golf insurance rates.
- Check your credit rating each year and address any problem areas. Higher credit scores mean lower car insurance rates.
- Speeding and other minor violations can impact your car insurance rates for up to three years. The increased cost can easily exceed the fine and court costs for the original ticket.
- If you own a home, you may get a break on your car insurance. Home ownership demonstrates financial responsibility.
- If you're a young driver, you will pay more to insure a Golf. There isn't anything you can do about your age, but rates will drop as you mature.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
- To keep your rates low, don't file excessive claims on your policy. Insurance is meant to cover large losses, not small damage that you can pay for out-of-pocket.
- If your teen driver has completed a driver's education class in school, check to see if your insurance company offers any discounts for this.
- The advancement of car safety features such as traction control, stability control, front and side-impact air bags and all-wheel drive all help keep insurance costs down.
- If you're over the age of 55, check to see if you qualify for a senior citizen discount. Qualification age may vary by company
- Particular years and models of cars tend to be frequently stolen, and if your Golf is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
- If you're willing to shoulder more of the cost at claim time, consider raising your comprehensive and collision deductibles. This can easily cut 30% or more from your policy premium.
Step Three: Choose the Right Company for You
Once you have compared identical rate quotes for your Golf and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
Car insurance policies don't have to be cancelled at the renewal date, but just be sure the new policy starts the same day you cancel your old policy. This avoids any gaps in coverage between policies.
If you already have a car insurance policy, then your Volkswagen Golf will be covered as soon as your purchase it. If this is your first vehicle, you will want to make sure you have coverage in place as soon as your purchase it. Anytime you buy a vehicle, you want to make sure coverage is in place before driving off the lot. If you have a policy now, you will have at least liability coverage. But if you don't insure any vehicles with full coverage, then you will put your new Golf at risk as soon as you drive away.
Upon completion of buying your policy, you need to print out the financial responsibility card that must be kept in your vehicle at all times. Replace any old cards and promptly replace expired cards. SR-22 filings are for high risk drivers and ensure that you have met your state's financial responsibility requirements. If you have DUI, DWI or uninsured accident convictions, you may have to file an SR-22 with your state DMV.
For More Information
The Insurance Information Institute website has a great library of car insurance topics that cover claims, replacement parts, rental cars and more.
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