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1996 Volkswagen Golf Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 27, 2020

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Average insurance rates for a 1996 Volkswagen Golf are $912 a year for full coverage. Comprehensive costs an estimated $132, collision insurance costs $180, and liability costs around $442. Buying a liability-only policy costs as low as $496 a year, and high-risk insurance costs around $1,962. Teenage drivers receive the highest rates at up to $3,742 a year.

Annual premium for full coverage: $912

Rate estimates for 1996 Volkswagen Golf Insurance

Comprehensive $132
Collision $180
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1996 Volkswagen Golf models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $496 for the bare minimum liability coverage to the much higher price of $1,962 for a driver that may need high-risk insurance.

Liability Only $496
Full Coverage $912
High Risk $1,962

View Chart as Image

1996 Volkswagen Golf insurance rates compared
Column chart showing 1996 Volkswagen Golf insurance prices range from $561 to $3,742 for full coverage

These differences show why everyone should compare prices for a targeted area and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 1996 Volkswagen Golf Insurance

Searching Companies

If you are a novice to online insurance coverage shopping, you may be overwhelmed by the hoards of insurance coverage companies offering insurance.

You should take the time to compare prices on a regular basis since insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the best deal on Golf coverage six months ago other companies may now be cheaper. So block out anything you think you know about insurance coverage because you’re going to get a crash course in one of the best ways to find lower rates on insurance coverage.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these techniques. Nevertheless, vehicle owners can benefit by having an understanding of the methods companies use to sell insurance online and take advantage of how the system works.

How to Compare Insurance Coverage Costs

There are several ways to get quotes from different insurance companies. The best method to find the lowest 1996 Volkswagen Golf rates consists of obtaining rate quotes online. This is very easy and can be done using a couple different methods.

  1. The most efficient way consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This easy form prevents you from having to do boring form submissions for each company. Completing one form will get you rate comparisons from several companies.It’s the quickest way to get rates.
  2. A more difficult way to compare prices is going to the website of each company to request a price quote. For sake of this example, we’ll assume you want comparison quotes from GEICO, Esurance and Allstate. To get each rate you have to visit each site to input your insurance information, and that’s why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  3. The hardest method of getting rate comparisons is to waste gas driving to different agent offices. Buying insurance online eliminates the need for an insurance agent unless you require the professional advice that only a license agent can provide. You can, however, get prices online and get advice from an agent in your area and we’ll cover that in a bit.

Which method you use is up to you, but be sure to compare apples-to-apples coverages on every quote. If you enter unequal deductibles or liability limits it will be very difficult to decipher which rate is best. Quoting even small variations in coverage limits may result in a large different in cost. Just keep in mind that quoting more helps you find the best rates.

Save money by taking advantage of these discounts

Companies that sell car insurance do not advertise all available discounts very clearly, so here is a list some of the more common and also the lesser-known discounts you could be receiving.

  • Payment Discounts – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • E-sign – Some insurance companies give back up to $50 just for signing your application on their website.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • One Accident Forgiven – Some insurance companies allow you one accident without raising rates if you are claim-free prior to the accident.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.

Drivers should understand that many deductions do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Insurance companies that possibly offer these benefits include:

Before buying, ask every prospective company which discounts they offer. Savings might not be offered in your area.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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When should I use an insurance agent?

When it comes to buying adequate coverage for your vehicles, there isn’t really a one size fits all plan. Every situation is different.

These are some specific questions can help discover whether you may require specific advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Does my 1996 Volkswagen Golf need full coverage?
  • How high should deductibles be on a 1996 Volkswagen Golf?
  • When should I remove comp and collision on my 1996 Volkswagen Golf?
  • Should I get collision insurance on every vehicle?
  • Is business property covered if stolen from my car?
  • Does my personal policy cover me when driving out-of-state?

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

Specific coverages for a 1996 Volkswagen Golf

Knowing the specifics of your car insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Liability insurance

Liability coverage provides protection from damage that occurs to a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like emergency aid, structural damage, pain and suffering, repair costs for stationary objects and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses for prosthetic devices, surgery and dental work. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

This pays for damage to your Golf resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like scraping a guard rail, damaging your car on a curb and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Volkswagen Golf.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, fire damage, vandalism and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1996 Volkswagen Golf Insurance Rates by City
City Premium
New York City, NY $1,443
Los Angeles, CA $1,557
Philadelphia, PA $1,218
Jacksonville, FL $1,325
Phoenix, AZ $1,061
Chicago, IL $1,224
Houston, TX $1,430
Seattle, WA $890
Columbus, OH $765
Indianapolis, IN $777

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1996 Volkswagen Golf Insurance Rates by Driver Age
Driver Age Premium
16 $3,742
20 $2,094
30 $924
40 $912
50 $840
60 $822

Full coverage, $500 deductibles

Rates by Deductible

1996 Volkswagen Golf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,048
$250 $984
$500 $912
$1,000 $840

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Golf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $912
50/100 $1,000
100/300 $1,111
250/500 $1,398
100 CSL $1,045
300 CSL $1,288
500 CSL $1,465

Full coverage, driver age 40

Rates for High Risk Drivers

1996 Volkswagen Golf Insurance Rates for High Risk Drivers
Age Premium
16 $5,256
20 $3,336
30 $1,972
40 $1,962
50 $1,880
60 $1,860

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $121

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $45
Multi-vehicle $49
Homeowner $16
5-yr Accident Free $54
5-yr Claim Free $56
Paid in Full/EFT $32
Advance Quote $39
Online Quote $60
Total Discounts $351
Rate after discounts $561

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

1996 Volkswagen Golf Insurance Rates by State
State Premium
Alabama $826
Alaska $702
Arizona $758
Arkansas $912
California $1,038
Colorado $872
Connecticut $938
Delaware $1,032
Florida $1,142
Georgia $842
Hawaii $654
Idaho $618
Illinois $680
Indiana $688
Iowa $616
Kansas $868
Kentucky $1,244
Louisiana $1,352
Maine $562
Maryland $754
Massachusetts $732
Michigan $1,586
Minnesota $762
Mississippi $1,092
Missouri $810
Montana $980
Nebraska $720
Nevada $1,094
New Hampshire $658
New Jersey $1,020
New Mexico $808
New York $962
North Carolina $526
North Dakota $746
Ohio $632
Oklahoma $938
Oregon $836
Pennsylvania $870
Rhode Island $1,218
South Carolina $826
South Dakota $772
Tennessee $800
Texas $1,100
Utah $676
Vermont $624
Virginia $548
Washington $706
West Virginia $836
Wisconsin $632
Wyoming $814

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