2013 Volkswagen Golf R Insurance Rates

Want the cheapest auto insurance rates for your Volkswagen Golf R? Sick and tired of sacrificing other expenses each month for auto insurance? You’re in the same situation as millions of other drivers.

There is such a variety of insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, more options can take longer to compare rates and cut insurance costs.

Shopping for the best insurance is simple if you know the tricks. Just about every driver who carries insurance should be able to find better rates. Although car owners must know the way insurance companies price online insurance and use this information to your advantage.

Verify you’re applying every discount

Some insurers do not list the entire discount list very clearly, so we researched both well-publicized and also the more inconspicuous credits that may apply to you.

  • Defensive Driver Discounts – Participating in a driver safety course could save 5% or more and make you a better driver.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Low Mileage – Driving less may allow you to get slightly better prices than normal.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it can save substantially.
  • Passive Restraints – Factory air bags or automatic seat belts may qualify for discounts up to 30%.

You should keep in mind that many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

Companies that may offer most of the discounts above may include but are not limited to:

When comparing rates, check with every company how many discounts you can get. Some of the earlier mentioned discounts might not be offered on policies in your area. To see providers that offer discounts, click this link.

Compare car insurance price quotes

All the larger car insurance companies allow you to get price estimates on the web. Getting online rates is pretty easy as you just enter the amount of coverage you want on the page. Behind the scenes, their system collects your driving and credit reports and provides a quote based on the information you submitted. Online quotes helps simplify price comparisons, but the work required to visit several different sites and complete many quote forms is a waste of time. But it’s absolutely necessary to compare as many rates as possible in order to find better car insurance pricing.

Compare rates the easy way

The easiest way to find cheaper rates uses one simple form that analyzes rates from several companies at one time. It saves time, requires much less work on your part, and makes price shopping online much simpler. Immediately after submitting the form, it is quoted with multiple companies and you can pick any one of the pricing results.

If a lower price is quoted, you simply finish the application and buy the new coverage. The whole process takes less than 15 minutes and can result in significant savings.

To save time and find out how much you can save on car insurance, click here to open in new window and input your coverage information. If you currently have coverage, we recommend you duplicate the coverage information exactly as they are listed on your policy. This ensures you will receive rate comparison quotes for exact coverage.

Five factors that impact insurance prices

Multiple criteria are taken into consideration when you get a price on insurance. Some are obvious such as traffic violations, but others are not as apparent like your continuous coverage or your financial responsibility.

The factors shown below are some of the items used by companies to determine rates.

  • Insure your auto and home with one company – Most larger companies afford a discount to policyholders that have more than one policy such as combining an auto and homeowners policy. The discount can be five, ten or even twenty percent. Even if you’re getting this discount it’s always a smart idea to check prices from other companies to confirm you are receiving the best rates possible.
  • Improve your credit score – Having a bad credit score factor in determining what you pay. Insureds that have high credit ratings tend to be better risks to insure than those with poor credit scores. If your credit history is lower than you’d like, you could be paying less to insure your 2013 Volkswagen Golf R by improving your credit score.
  • Men are more aggressive – Statistics show that females take fewer risks when driving. The data does not necessarily mean that females are better drivers. Both sexes have at-fault accidents at a similar rate, but men have accidents that have higher claims. In addition to higher claims, males also receive more major tickets such as DWI and reckless driving.
  • Policy add-ons add up – Insurance companies have many additional extra coverages that you can buy if you don’t pay attention. Things like rental car coverage, towing, and extra equipment coverage may be wasting your money. These may sound like a good investment when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
  • Increase deductibles and save – Coverage for physical damage, also known as collision and other-than-collision, covers your vehicle from damage. Some coverage claims are a dented fender, hail damage, and windstorm damage. The deductibles define the amount you are required to spend out-of-pocket if the claim is covered. The more of the claim you have to pay, the lower your rates will be on Golf R insurance.

When should I discuss my situation with an agent?

When it comes to buying proper insurance coverage, there really is not a “perfect” insurance plan. Every situation is different so this has to be addressed. For instance, these questions can help discover if your situation would benefit from professional advice.

  • Are rental cars covered under my policy?
  • Is business property covered if stolen from my car?
  • When should I remove comp and collision on my 2013 Volkswagen Golf R?
  • When does my teenage driver need to be added to my policy?
  • How much liability coverage do I need in my state?
  • Do I really need UM/UIM coverage?
  • How do I insure my teen driver?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered by my spouse’s policy after a separation?
  • What if I don’t agree with a claim settlement offer?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Advertising myths

Big name companies like Progressive, Allstate and GEICO regularly use ads in print and on television. They all make the point that you’ll save big if you get a free insurance coverage quote and switch your policy. How can each company claim to save you money?

Insurance providers have an ideal profile for the type of insured that earns them the highest profit. For instance, a driver they prefer should be over the age of 45, has a clean driving record, and the vehicle is rated for pleasure use. Someone who fits those characteristics may get the lowest prices and therefore will save some money.

Drivers who are not a match for these criteria will be quoted higher premiums which translates to the driver buying from a lower-cost company. If you listen closely, the ads state “drivers that switch” but not “everyone who gets a quote” can save as much as they claim. That’s the way insurance companies can make claims like that.

Because of the profiling, you really need to get insurance coverage quotes from several different companies. It’s just too difficult to predict which insurance coverage company will be your best fit.

Auto insurance coverages

Having a good grasp of your car insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most car insurance policies.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as falling objects, rock chips in glass, hitting a bird, theft and damage from getting keyed. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability

Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. It protects you from legal claims by others, and 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 values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as repair costs for stationary objects, pain and suffering, medical services, loss of income and attorney fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

Collision coverage will pay to fix damage to your Golf R resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with another moving vehicle, rolling your car, sustaining damage from a pot hole, crashing into a building and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

UM/UIM Coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like ambulance fees, nursing services, chiropractic care, X-ray expenses and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Take this to the bank

Affordable 2013 Volkswagen Golf R insurance is possible online in addition to local insurance agencies, and you should compare price quotes from both to have the best selection. Some insurance companies may not offer rate quotes online and most of the time these small insurance companies only sell coverage through independent insurance agents.

You just read some good ideas how you can lower your 2013 Volkswagen Golf R insurance auto insurance rates. The key concept to understand is the more companies you get premium rates for, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from the least-expected company. Smaller companies may have significantly lower premium rates on certain market segments compared to the large companies like State Farm and Allstate.

Even more information can be read at these sites: