2013 Volkswagen GTI Insurance Quotes

Searching for better auto insurance rates for your Volkswagen GTI? Shopping for more affordable auto insurance on the internet might appear impossible for comparing and buying auto insurance on the internet. With so many options of companies, how are drivers expected to even start to compare each option to find the lowest price available?

It is always a good idea to do price comparisons before your policy renews because insurance prices go up and down regularly. Just because you had the best rates for GTI coverage two years ago other companies may now be cheaper. Ignore everything you know about auto insurance because you’re about to learn how to use the internet to get good coverage at a lower rate.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. This information will familiarize you with the most effective way to quote insurance and some money-saving tips. Although consumers need to learn how big insurance companies sell insurance online because it can help you find the best coverage.

Lower-cost car insurance rates with discounts

Car insurance can cost a lot, but you might find some hidden discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of quoting, but occassionally some discounts must be asked for prior to receiving the credit.

  • Home Ownership Discount – Being a homeowner can earn you a little savings since owning and maintaining a home requires a higher level of personal finance.
  • Accident Forgiveness – Not necessarily a discount, but companies like Progressive, Allstate, and GEICO allow you one accident before hitting you with a surcharge as long as you don’t have any claims prior to being involved in the accident.
  • Senior Citizen Rates – Mature drivers may receive a small discount on rates for GTI coverage.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and therefore earn up to a 10% discount.
  • Telematics Discount – Policyholders that allow their car insurance company to monitor driving manner by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they have good driving habits.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course if it’s offered in school.

A quick disclaimer, many deductions do not apply the the whole policy. Some only reduce specific coverage prices like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, nobody gets a free ride.

Some of the larger companies that may offer policyholders many of the previously listed discounts include:

When quoting, ask each company or agent to apply every possible discount. Discounts might not be offered on policies in your state. To find car insurance companies who offer cheap car insurance quotes, click here to view.

Insurance coverage quotes comparison

There are a variety of methods to compare insurance coverage prices and some are less labor-intensive and much quicker. You could spend your day talking about coverages with agents in your area, or you can utilize the web to get rates in a matter of minutes.

Many insurance companies participate in a marketplace that allows shoppers to enter their policy data once, and every company then gives them pricing based on the submitted data. This eliminates the need for form submissions for each company you want a rate for.

To participate in this free quote system, click to open in new window.

The single downside to doing it this way is you can’t choose the insurers to get quotes from. If you wish to select specific insurance companies to compare rates, we have assembled a list of the cheapest insurance coverage companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just try to use nearly identical coverage limits with each company. If your comparisons have different data it will be impossible to find the best deal for your Volkswagen GTI. Having just a slight variation in limits can mean a large discrepancy in price. And when comparing insurance coverage rates, know that quoting more gives you a better chance of getting more affordable insurance. Some regional insurers cannot provide prices over the internet, so it’s necessary to compare quotes from them as well.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining if your insurance needs may require specific advice.

  • What is medical payments coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I have combined single limit or split liability limits?
  • Should I get collision insurance on every vehicle?
  • What is high-risk coverage and where do I buy it?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What if I total my 2013 Volkswagen GTI and owe more than it’s worth?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverage breakdown

Knowing the specifics of auto insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like nursing services, rehabilitation expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as theft, hitting a deer, vandalism, a tree branch falling on your vehicle and damage from flooding. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for liability

This coverage provides protection from injuries or damage you cause to other people or property. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as emergency aid, medical services, bail bonds and legal defense fees. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as sideswiping another vehicle, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

One last thing about your coverage

Insureds change insurance companies for a number of reasons such as high rates after DUI convictions, being labeled a high risk driver, policy non-renewal or even extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new insurance company can be easy and end up saving you some money.

As you restructure your insurance plan, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where consumers will sacrifice collision coverage and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to find the BEST coverage for the lowest cost while not skimping on critical coverages.

There are still a few companies who may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent insurance agents. Cheap 2013 Volkswagen GTI insurance can be purchased both online and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from.

Much more information about insurance is available below: