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Benji Carr
Former Licensed Life Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
Former Licensed Life Insurance Agent
UPDATED: Oct 8, 2015
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 8, 2015
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Looking for lower insurance coverage rates for your Volkswagen Golf? Pretty sure you bought an expensive insurance coverage policy? Trust us when we tell you you’re not the only one.
Numerous insurance companies battle for your business, so it’s not easy to compare every provider to find the best rate
It’s important to do price comparisons as often as possible because insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest premium rates for Golf coverage a few years ago there may be better deals available now. Ignore everything you know about insurance coverage because we’re going to show you the only way to properly buy coverages and cut your premium.
The quickest method we recommend to get rate comparisons is to realize almost all companies participate in a system to provide you with free rate quotes. The one thing you need to do is give them rating details such as if you’re married, whether or not you need a SR-22, if you lease or own, and how you use your vehicles. Your insurance information is instantly provided to many highly-rated insurers and you should receive rate quotes with very little delay.
Car insurance discounts help reduce rates
Some companies don’t always advertise every discount in a way that’s easy to find, so the next list breaks down both well-publicized as well as some of the hidden credits that may apply to you.
- Online Discount – A handful of car insurance companies provide a small discount for buying your policy on their website.
- Drivers Education – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in school or through a local driver safety program.
- Early Renewal Discounts – Some insurance companies provide a discount for renewing your policy prior to the expiration date on your current policy. This discount can save up to 10%.
- Mature Driver Discount – Seniors may receive a slight reduction on a insurance quote for Golf coverage.
- No Accidents – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote as opposed to drivers with a long claim history.
- Discounts for New Vehicles – Insuring a vehicle that is new may earn a small discount due to better safety requirements for newer models.
- Defensive Driver Discount – Taking a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
It’s important to understand that many deductions do not apply to the entire policy premium. Most only reduce individual premiums such as liability and collision coverage. Despite the appearance that all those discounts means the company will pay you, nobody gets a free ride.
If you would like to view providers that offer many of these discounts, follow this link.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Which is the best car insurance?
When buying the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions could help you determine if your situation might need professional guidance.
- Does my car insurance cover rental cars?
- Are my tools covered if they get stolen from my vehicle?
- Are rental cars covered under my policy?
- Do I need added coverage for expensive stereo equipment?
- Do I have newly-aquired coverage?
- Will my rates increase for filing one claim?
- I have good health insurance, so how much medical payments coverage do I need?
- Do I need special endorsements for business use of my vehicle?
- If I drive on a suspended license am I covered?
- When should I not file a claim?
If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier
Components of your Volkswagen Golf insurance prices
An important part of buying insurance is that you know the rating factors that go into determining your car insurance rates. If you know what determines base rates, this helps enable you to make changes that could result in much lower annual insurance costs.
- Poor credit can mean higher prices – Having a bad credit rating is a big factor in calculating your premium rate. So if your credit score can use some improvement, you could potentially save money when insuring your 2010 Volkswagen Golf by spending a little time repairing your credit. People with excellent credit tend to file fewer claims than drivers who have poor credit.
- Discounts for GPS tracking and theft deterrents – Owning a car that has a built-in theft deterrent system can save you a little every year. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms all help prevent auto theft and help lower rates.
- Drive less and save – The higher the miles on your Volkswagen in a year’s time the more you’ll pay to insure it. A lot of companies charge rates based on how the vehicle is used. Autos used primarily for pleasure use qualify for better rates than those that get driven frequently. It’s a good idea to make sure your declarations sheet properly reflects the correct driver usage. An incorrectly rated Golf is throwing money out the window.
- Youthful drivers cost more – Youthful drivers have been known to be easily distracted when behind the wheel so car insurance rates are higher. Parents adding a young driver onto a policy can increase premiums substantially. More mature drivers are more responsible, file fewer claims and are safer drivers.
- If you don’t need it don’t buy it – Insurance policies have a lot of optional add-on coverages that may not really be needed if you don’t pay attention. Insurance for things like roadside assistance, towing coverage, and Farm Bureau memberships are examples of these. They may sound like good ideas when deciding what coverages you need, but now you might not need them so consider taking them off your policy.
- Cars with good safety ratings means cheaper insurance – Safer cars tend to be cheaper to insure. Vehicles built for safety help reduce the chance of injuries in an accident and fewer injuries means less claims paid which can result in lower premiums.
- Your job may affect car insurance rates – Jobs like fire fightersair traffic controllers and accountants are shown to have higher premium rates in part from intense work situations and long work days. On the other hand, careers such as actors, historians and performers pay the least for Golf coverage.
Is there truth in advertising?
Car insurance companies such as Progressive, Allstate and Geico constantly bombard you with ads in print and on television. All the companies make an identical promise that drivers can save some big amount if you switch your policy. How does every company say the same thing? This is the trick they use.
Most companies have specific characteristics for the right customer that earns them the most money. For example, a preferred risk could be between 25 and 40, carries full coverage, and the vehicle is rated for pleasure use. Any new insured who fits those characteristics will probably get the lowest rates and have a good chance to save money with a new company.
Drivers who are not a match for the requirements will have to pay more expensive rates and the customer not purchasing. If you listen closely, the ads state “customers that switch” not “all people who quote” save that much when switching. That is how companies can truthfully claim big savings.
Because every company is different, you should get insurance quotes from several different companies. It is just not possible to predict which car insurance company will give you lower auto insurance rates than your current company.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Car insurance coverage considerations
Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverages found on most car insurance policies.
Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision can pay for claims like colliding with a tree, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.
Liability coverages – Liability coverage will cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability 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. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.
Liability can pay for things such as bail bonds, repair bills for other people’s vehicles, medical services, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.
Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Volkswagen Golf.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.
Insurance for medical payments – Med pay and PIP coverage kick in for bills like funeral costs, X-ray expenses, prosthetic devices, ambulance fees and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as a broken windshield, damage from a tornado or hurricane, fire damage and rock chips in glass. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Cheaper insurance is a realistic goal
There are still a few companies who do not provide price quotes online and usually these smaller providers work with independent insurance agents. Cheap 2010 Volkswagen Golf insurance is available online and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from.
We covered a lot of ways to lower your 2010 Volkswagen Golf insurance rates. The most important thing to understand is the more quotes you get, the better likelihood of getting cheap insurance. You may even discover the lowest priced insurance comes from a smaller regional carrier. They may have significantly lower car insurance rates on certain market segments compared to the large companies like Allstate and Progressive.
Additional insurance information is located below:
- Senior Drivers (Insurance Information Insitute)
- Comprehensive Coverage (Liberty Mutual)
- Top Signs Your Brakes are Giving Out (State Farm)
- Insuring a Leased Car (Insurance Information Insitute)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
Enter your zip code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Benji Carr
Former Licensed Life Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
Former Licensed Life Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.