Compare 2014 Volkswagen GTI Car Insurance Rates

Wish you could get a refund on overpriced car insurance? Don’t sweat it because there are many drivers thinking the same thing.

Due to the fact that there are so many car insurance companies to choose from, it’s difficult to locate the right car insurance provider.

It’s a good habit to compare prices once or twice a year because insurance prices fluctuate regularly. Even if you got the best rates on GTI insurance a year ago you can probably find a better rate quote now. Ignore everything you know about car insurance because you’re going to learn one of the easiest ways to lower your annual insurance bill.

Discounts for affordable car insurance rates

Some companies don’t list every discount they offer very clearly, so the following list contains both the well known as well as some of the hidden discounts that you can inquire about if you buy insurance coverage online. If you don’t get every credit you qualify for, you could be saving more on your car insurance.

  • Life Insurance Discount – Larger insurance companies have a discount if you purchase a life policy as well.
  • Early Signing – Some car insurance companies provide a discount for signing up before your current coverage expires. This can save 10% or more.
  • Club Memberships – Joining certain professional organizations can get you a small discount when getting a insurance coverage quote.
  • Government Employee Discount – Employees or retirees of the government could provide a small rate reduction on GTI insurance but check with your company.
  • No Charge for an Accident – This one is not really a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm will forgive one accident without raising rates so long as you are claim-free prior to the accident.
  • Use Seat Belts – Drivers who require all vehicle occupants to buckle their seat belts could save 15% off the PIP or medical payment premium.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or motorized seat belts may qualify for discounts of 20% or more.
  • Driver’s Ed – Have your child complete a driver education course as it will make them better drivers and lower rates.
  • Military Rewards – Being on active deployment in the military could be rewarded with lower rates.

It’s important to note that most credits do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates it’s possible to get free car insurance, car insurance companies aren’t that generous.

Popular car insurance companies and a partial list of their discounts can be read below.

  • American Family has discounts for defensive driver, good driver, accident-free, Steer into Savings, multi-vehicle, good student, and air bags.
  • Farm Bureau offers discounts including renewal discount, driver training, 55 and retired, good student, multi-vehicle, and safe driver.
  • State Farm may include discounts for good driver, anti-theft, safe vehicle, multiple policy, Steer Clear safe driver discount, and multiple autos.
  • Travelers policyholders can earn discounts including new car, good student, save driver, IntelliDrive, multi-car, and early quote.
  • The Hartford offers discounts for good student, vehicle fuel type, air bag, defensive driver, anti-theft, bundle, and driver training.
  • GEICO has savings for driver training, anti-lock brakes, good student, military active duty, daytime running lights, and federal employee.
  • Progressive offers premium reductions for online signing, good student, continuous coverage, multi-vehicle, homeowner, and online quote discount.

Check with all the companies how you can save money. All car insurance discounts might not be offered in your area.

Shop insurance online

There are multiple methods to shop for insurance, but there is one way that is easier and takes less work. You could waste a few hours talking to local insurance agents in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

Most major companies belong to an insurance system where insurance shoppers complete one form, and each participating company provides a quote for coverage. This eliminates the need for quote forms to every company.

To access this free quoting program, click here to start a free quote.

One minor caviat to pricing coverage this way is that you can’t choose which carriers you want to price. So if you want to choose from a list of companies to compare, we put together a list of the cheapest insurance companies in your area. Click here to view list.

Take whichever approach you prefer, but try to keep exactly the same deductibles and coverage limits for each comparison quote. If your comparisons have different coverage information you will not be able to determine which company has the best rates. Even a minor difference in limits could skew the results. And when comparison shopping, getting more free quotes will enable you to find a lower rate than you’re paying now.

Get cheaper car insurance with these tips

A large part of saving on car insurance is knowing some of the things that come into play when calculating the level of your policy premiums. When you understand what impacts premium levels, this allows you to make educated decisions that can earn you lower rates. Many different elements are part of the calculation when you get a price on insurance. A few of the factors are predictable such as your driving history, although some other factors are more transparent like your vehicle usage or your commute time.

The list below includes some of the most rate-impacting factors car insurance companies consider when setting your prices.

  • Buy as much liability protection as you can afford – The liability section of your policy will protect you if ever you are responsible for causing damage or personal injury in an accident. Liability provides for a legal defense up to the limits shown on your policy. It is affordable coverage compared to insuring for physical damage coverage, so do not skimp.
  • Big cities have higher prices – Choosing to live in small towns and rural areas may provide you with better prices when trying to find low car insurance rates. People who live in big cities have more traffic problems and longer commute times. Less people translates into fewer accident claims and a lower car theft rate.
  • Get married and pay lower costs – Having a significant other may save some money on car insurance. Having a spouse is viewed as being less irresponsible and it’s proven that drivers who are married are more cautious.
  • Bundle and save – Some insurance companies apply discounts to clients that have more than one policy, otherwise known as a multi-policy discount. The amount of the discounts can be ten or even up to twenty percent in some cases. Even with this discount applied, drivers will still want to check prices from other companies to ensure the best deal.There is a good possibility that you can save more without the discount by insuring with multiple companies.
  • Do you need those extra coverages? – There are quite a few add-on coverages that you can get tricked into buying on your GTI policy. Coverages like roadside assistance, high-cost glass coverage, and term life insurance may be costing you every month. They may sound like good ideas when you first buy your policy, but your money might be better spent on other coverage so remove them and pocket the money.
  • Gender matters – The statistics show women are more cautious behind the wheel. However, don’t assume that males are worse at driving than females. Females and males are responsible for accidents in similar percentages, but men get into accidents with more damage. Not only that, but men also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Low deductibles mean high costs – Your deductibles tell how much you are required to spend before a claim is paid by your company. Coverage for physical damage, also called ‘full coverage’, covers damage that occurs to your car. Examples of some claims that would be covered would be a windshield broken by a bird, damage caused by hail, or theft of your vehicle. The higher the amount you’re willing to pay, the lower your rates will be on GTI insurance.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether your personal situation will benefit from professional help.

  • Does my insurance cover my expensive audio equipment?
  • What happens if I owe more than my 2014 Volkswagen GTI is worth?
  • Does liability extend to a camper or trailer?
  • Can I get a multi-policy discount?
  • Does my 2014 Volkswagen GTI qualify for pleasure use?
  • Is there coverage for injuries to my pets?
  • Does insurance cover damages from a DUI accident?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Auto insurance coverage considerations

Having a good grasp of a auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average auto insurance policy.

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like theft, hail damage, damage from a tornado or hurricane and damage from getting keyed. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills like chiropractic care, dental work, X-ray expenses and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Liability

Liability coverage can cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers claims such as medical expenses, structural damage and emergency aid. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Coverage for collisions

This pays for damage to your GTI from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as backing into a parked car, damaging your car on a curb, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Do the work, save more money

Affordable 2014 Volkswagen GTI insurance is available on the web as well as from insurance agents, so you need to quote insurance coverage with both to have the best rate selection. There are still a few companies who may not provide internet price quotes and these smaller companies sell through independent insurance agents.

When you buy insurance coverage online, you should never buy poor coverage just to save money. In many instances, drivers have reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage for the lowest price, but don’t skip important coverages to save money.

Much more information about insurance is located at the links below