Just when it appears auto makers have reached the end of their proverbial rope with incentives comes a new wrinkle in the sales battle: Free insurance. That is what Volkswagen of America Inc. is offering consumers in Illinois and Wisconsin who lease an ’04 or ’05 Beetle, Golf or Beetle Convertible from Jan. 4 to Mar. 31, 2005. ’05 Volkswagen Golf The program provides one year of full-coverage insurance, with a $500 deductible, and is open to anyone residing in the two states that ...

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