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1998 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 1998 Volkswagen Golf are $912 a year for full coverage. Comprehensive costs around $132, collision insurance costs $180, and liability coverage 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 1998 Volkswagen Golf Insurance

Comprehensive $132
Collision $180
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1998 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 a 40-year-old driver, prices range range from as low as $496 for only liability insurance to the much higher price of $1,962 for high-risk insurance.

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

View Chart as Image

1998 Volkswagen Golf insurance rates compared
Column chart showing 1998 Volkswagen Golf insurance prices range from $561 to $3,742 for full coverage

These differences show why everyone should compare prices for a specific zip code and risk profile, rather than using 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 1998 Volkswagen Golf Insurance

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Having to pay for overpriced insurance can overdraw your checking account and make it hard to pay other bills. Shopping your coverage around is a smart way to make sure you’re not throwing money away. Multiple car insurance companies compete for your business, so it can be very hard to choose a insurance company and uncover the absolute cheapest price

It’s a good habit to get comparison quotes once or twice a year because prices trend upward over time. Just because you found the best deal for Golf insurance a year ago you will most likely find a better rate today. Ignore everything you know about insurance because you’re about to learn the things you must know in order to buy cheaper insurance.

Don’t miss these discounts

Car insurance companies don’t necessarily list every available discount in a way that’s easy to find, so the following is a list of both well-publicized and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Passive Restraints – Cars that have air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Student Driver Training – Have your child successfully complete driver’s ed class if offered at their school.
  • Own a Home – Being a homeowner can save you money because of the fact that having a home shows financial diligence.
  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off for Golf insurance with a few car insurance companies.
  • Multi-car Discount – Having more than one vehicle with the same company may reduce the rate for each vehicle.
  • Defensive Driving Course – Successfully completing a course in driver safety could cut 5% off your bill if your company offers it.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Golf insurance than drivers with accident claims.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.

Keep in mind that many deductions do not apply the whole policy. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

For a list of insurers offering car insurance discounts, click here.

Complexity of Volkswagen Golf insurance rates

Consumers need to have an understanding of the factors that help determine the price you pay for insurance coverage. Having a good understanding of what determines base rates enables informed choices that can help you get big savings.

  • Do you have enough liability coverage? – The liability section of your policy is the protection if ever a court rules you are at fault for personal injury or accident damage. It will provide legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • Mature drivers pay less – Teenage drivers are known to be more careless when driving so insurance coverage rates are higher. Parents adding a teenage driver onto your insurance coverage can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations.
  • Rate your vehicle for proper use – The higher the mileage driven in a year the more you will pay for insurance coverage. Most companies rate vehicles based upon how you use the vehicle. Autos that are left in the garage get more affordable rates compared to those used for work or business. If your policy improperly rates your Golf can cost quite a bit. Verify your insurance coverage declarations sheet is rated on the correct usage for each vehicle.
  • Never allow your policy to lapse – Allowing your coverage to lapse will be a fast way to trigger a rate increase. And not only will insurance be more expensive, failure to provide proof of insurance will get you a license revocation or jail time.
  • Where you live can impact rates – Choosing to live in a rural area can save you money when it comes to insurance coverage. Less people living in that area means reduced accidents. Drivers in populated areas have to deal with traffic congestion and longer commutes to work. More time on the road can result in more accidents.

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When might I need help?

When it comes to choosing adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. For example, these questions might help in determining if you would benefit from an agent’s advice.

  • What is covered by UM/UIM coverage?
  • Am I insured when driving a different vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • How can I get high-risk coverage after a DUI?
  • Is my state a no-fault state?
  • How high should my medical payments coverage be?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Will my rates increase for filing one claim?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage basics

Learning about specific coverages of your policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are the usual coverages offered by insurance companies.

Liability coverage – This will cover injuries or damage you cause to other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as emergency aid, funeral expenses, loss of income, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is your choice, but buy as large an amount as possible.

Collision coverage – Collision insurance pays for damage to your Golf resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like crashing into a building, driving through your garage door, hitting a parking meter, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 1998 Volkswagen Golf.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverages – This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from flooding, falling objects and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments – Med pay and PIP coverage pay for short-term medical expenses for nursing services, hospital visits, X-ray expenses, ambulance fees and surgery. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

More choices the merrier

Discount 1998 Volkswagen Golf insurance can be bought both online as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies don’t offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

In this article, we presented many tips how you can lower your insurance rates. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the lowest priced insurance coverage comes from a smaller regional carrier. Some small companies can often provide lower rates in certain areas than their larger competitors like GEICO and State Farm.

As you restructure your insurance plan, it’s very important that you do not reduce needed coverages to save money. In too many instances, an insured cut liability coverage limits only to regret at claim time they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage for the lowest price.

Additional information

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1998 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

1998 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

1998 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

1998 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

1998 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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