1999 Volkswagen Golf Insurance Rates
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UPDATED: Nov 19, 2021
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Average insurance rates for a 1999 Volkswagen Golf are $912 a year for full coverage. Comprehensive costs around $132 a year, collision costs $180, and liability coverage costs around $442. Buying a liability-only policy costs as low as $496 a year, with high-risk insurance costing around $1,962. Teenage drivers receive the highest rates at $3,742 a year or more.
Annual premium for full coverage: $912
Rate estimates for 1999 Volkswagen Golf Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 1999 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 driver in their 40's, prices range go from as low as $496 for only liability insurance to a high of $1,962 for a driver who has had serious violations or accidents.
These differences show why it is important for drivers to 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 1999 Volkswagen Golf Insurance
Trying to find lower insurance rates? Buyers have options when searching for low-cost Volkswagen Golf insurance. They can either waste time calling around getting price quotes or leverage the internet to find the lowest rates.
There is a right way and a wrong way to compare insurance rates so we’re going to tell you the proper way to compare rates for your Volkswagen and get the best price possible.
Consumers should take time to compare rates yearly because rates fluctuate regularly. Despite the fact that you may have had the best rates for Golf coverage a couple years back you will most likely find a better rate today. Starting right now, ignore everything you know about insurance because you’re about to learn the tricks you need to know to reduce your cost while increasing coverage.
Cut your premium with discounts
Insurance can cost an arm and a leg, buy you may qualify for discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you purchase, but some may not be applied and must be inquired about before you get the savings. If you don’t get every credit you qualify for, you’re paying more than you need to.
- More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same insurance coverage policy qualifies for this discount.
- Life Insurance Discount – Some companies give lower rates if you buy auto and life insurance together.
- Good Student Discount – A discount for being a good student can save 20 to 25%. The good student discount can last until age 25.
- Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less for Golf coverage than their less cautious counterparts.
- Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% for Golf coverage with select insurance companies.
Drivers should understand that most credits do not apply to the overall cost of the policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, you’re out of luck. Any amount of discount will bring down the amount you have to pay.
A partial list of companies that possibly offer these money-saving discounts include:
- Farmers Insurance
- State Farm
- Liberty Mutual
It’s a good idea to ask all companies you are considering what discounts are available to you. Savings may not be available in your state.
What is the best insurance coverage?
When choosing the best insurance coverage coverage for your personal vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.
For example, these questions may help highlight if you would benefit from an agent’s advice.
- Is my state a no-fault state?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Am I covered if my car is in a flood?
- Should I sign the liability waiver when renting a car?
- What discounts do I qualify for?
- Exactly who is provided coverage by my policy?
- Why do I only qualify for high-risk insurance?
- When should my teen driver be added to my policy?
- How much liability do I need to cover my assets?
If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.
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Ads can be misleading
Consumers constantly see and hear ads for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. All the ads make the same claim that you can save if you change your policy.
How do they all claim to save you money? It’s all in the numbers.
All companies have a preferred profile for the type of customer that is profitable for them. For example, a preferred risk could possibly be a mature driver, a clean driving record, and drives less than 7,500 miles a year. A customer getting a price quote who meets those qualifications will get the preferred rates and as a result will probably save a lot of money.
Potential insureds who are not a match for these standards will have to pay higher premiums which leads to business not being written. Company advertisements say “customers that switch” but not “drivers who get quotes” save money. That’s why companies can truthfully make the claims of big savings.
Because of the profiling, you absolutely need to get quotes from several different companies. It’s impossible to know which company will give you the biggest savings on Volkswagen Golf insurance.
The coverage is in the details
Learning about specific coverages of your policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Uninsured/Underinsured Motorist coverage
This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.
Liability coverage provides protection from damage that occurs to people or other property by causing an accident. It protects you against claims from other people. It does not cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.
Liability can pay for things like legal defense fees, structural damage, court costs, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance pay for expenses for things like surgery, rehabilitation expenses and pain medications. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage
This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things like hail damage, rock chips in glass, theft, damage from getting keyed and a broken windshield. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision coverage will pay to fix damage to your Golf resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims such as sustaining damage from a pot hole, damaging your car on a curb, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.
Be a penny pincher
Cheaper 1999 Volkswagen Golf insurance is definitely available online in addition to many insurance agents, and you should be comparing both to have the best selection. There are still a few companies who do not provide the ability to get a quote online and these small, regional companies work with independent agents.
We’ve covered a lot of tips how to shop for insurance online. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may even discover the lowest rates come from the smaller companies.
As you restructure your insurance plan, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped collision coverage and discovered at claim time that it was a big error on their part. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.
More information can be found below:
- Get the Right Protection (InsureUonline.org)
- Smart Auto Insurance Tips (Insurance Information Insitute)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Uninsured Motorist Statistics (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$1,443|
|Los Angeles, CA||$1,557|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$54|
|5-yr Claim Free||$56|
|Paid in Full/EFT||$32|
Discounts are estimated and may not be available from every company or in every state.