2018 Volkswagen Golf Alltrack Insurance Rates in 2024 – 8 Ways to Save

No car owner likes buying insurance, particularly when they could lower their rates if they shopped around.

Insurance companies such as GEICO, Progressive and Allstate all promote huge savings with ads and it is challenging if not impossible to not get sucked in by the cute commercials and do the work needed to find the best deal.

The most recommended method to compare car insurance company rates takes advantage of the fact most insurance companies participate in online systems to compare their rates. All you need to do is provide information including types of safety features, your occupation, if you require a SR-22, and driver ages. That information gets sent immediately to insurance carriers in your area and you receive quotes very quickly.

To start a rate quote now, click here and complete the form.

More discounts mean cheaper premiums

The cost of insuring your cars can be expensive, but you might find some hidden discounts that could help you make your next renewal payment. Some discounts apply automatically at the time you complete a quote, but a few must be requested specifically before you will receive the discount. If you’re not getting every credit you qualify for, you may be paying too high a price.

• Student in College – College-age children who live away from home at college and leave their car at home may be insured at a cheaper rate.
• Military Discounts – Being deployed in the military could trigger a small discount.
• No Accidents – Drivers with accident-free driving histories have much lower rates when compared with bad drivers.
• Discounts for Federal Employees – Federal government employees can save as much as 8% for Golf Alltrack coverage but check with your company.
• Safety Restraint Discount – Buckling up and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• Data Collection Discounts – People who choose to allow their insurance company to spy on vehicle usage by using a telematics device such as Progressive’s Snapshot might see lower rates if they exhibit good driving behavior.
• Student Driver Training – Require your teen driver to successfully take a drivers education course in school.
• Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.

Keep in mind that most discounts do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like having all the discounts means you get insurance for free, you aren’t that lucky. Any amount of discount will definitely lower the amount you pay for coverage.

Some of the insurance companies that have some of the discounts shown above are:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• GEICO
• SAFECO

If you want affordable insurance coverage quotes, ask all the companies the best way to save money. A few discounts may not apply in every state.

It’s not one size fits all

When buying proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For example, these questions may help highlight if you may require specific advice.

• Can my teen drive my company car?
• Is my 2018 Volkswagen Golf Alltrack covered for smoke damage?
• Should I drop comprehensive coverage on older vehicles?
• Am I covered if I hit my neighbor’s mailbox?
• Am I covered if my car is in a flood?
• When does my teenage driver need to be added to my policy?
• Why is insurance for a teen driver so high?
• What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete your zip code.

Insurance coverages 101

Having a good grasp of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by insurance companies.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like driving through your garage door, crashing into a ditch, rolling your car, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive coverages – This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, hail damage, hitting a deer, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount a 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.

Auto liability insurance – This will cover damages or injuries you inflict on people or other property. 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 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like emergency aid, medical expenses, attorney fees, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as pain medications, funeral costs and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Volkswagen Golf Alltrack.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

What is YOUR best insurance company?

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut collision coverage only to regret at claim time that they should have had better coverage. Your goal is to buy enough coverage at the best cost, but don’t skip important coverages to save money.

Cost effective 2018 Volkswagen Golf Alltrack insurance is definitely available both online and from local agencies, and you need to price shop both so you have a total pricing picture. A few companies may not offer online rate quotes and many times these smaller companies sell through local independent agencies.