View 2015 Volkswagen e-Golf Insurance Rates

Paying for overpriced Volkswagen e-Golf insurance can eat up your checking account and require stricter spending habits. Performing a rate comparison is free, only takes a few minutes, and is a good way to make ends meet.

Many auto insurance companies vie to insure your vehicles, and it can be difficult to compare rates and uncover the absolute best rates possible.

If you are insured now or need new coverage, you can follow these tips to shop for the lowest rates while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Consumers just need to learn the most effective way to shop their coverage around over the internet.

How to get insurance price quotes

There are a variety of methods you can shop for insurance but some are less labor-intensive and much quicker. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

All the larger companies participate in a marketplace where insurance shoppers enter their coverage request one time, and each participating company can give them a price for coverage. This prevents consumers from doing quotation requests to every company.

To find out what other companies charge click here to start a free quote.

The only drawback to getting quotes like this is that consumers can’t choose the insurers to receive prices from. So if you want to choose specific insurance companies to receive pricing from, we have a page of the cheapest insurance companies in your area. Click here to view list.

Whichever way you choose to compare rates, make sure you use equivalent coverage data for each price quote. If you have different values for each quote you can’t possibly make a fair rate comparison.

Lower your insurance coverage rates with discounts

Insurance coverage is easily one of your largest bills, but there’s a good chance there are discounts that can help lower your rates. Some of these disounts will be visible when you complete an application, but some may not be applied and must be specifically requested in order for you to get them.

• Payment Discounts – By making one initial payment instead of making monthly payments you could save 5% or more.
• Air Bag Discount – Vehicles equipped with air bags may get savings of up to 25% or more.
• Low Miles Discount – Keeping the miles down on your Volkswagen could earn slightly better insurance coveragerates than normal.
• No Claim Discounts – Insureds who avoid accidents and claims can earn big discounts when compared to policyholders that have many claims.
• Senior Citizen Discount – Mature drivers may receive a discount up to 10% for e-Golf coverage.
• Life Insurance – Select insurance coverage companies reward you with a break if you buy some life insurance too.
• Anti-lock Brake System – Vehicles with ABS braking systems or traction control can avoid accidents and earn discounts up to 10%.
• Multi-car Discount – Buying a policy with multiple vehicles with one company can get a discount for every vehicle.
• Policy Bundle Discount – When you combine your auto and home insurance with one insurance company you may earn up to 20% and get you the cheapest auto insurance.

Discounts save money, but please remember that some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as liability and collision coverage. So when the math indicates you could get a free insurance coverage policy, it just doesn’t work that way.

To see insurers that offer multiple discounts, click here to view.

You are unique and your auto insurance should be too

When buying the best auto insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. For example, these questions can help discover if your situation could use an agent’s help.

• Do I need rental car coverage?
• Am I covered if I break a side mirror?
• Do I have coverage for damage caused while driving under the influence?
• Should I get collision insurance on every vehicle?
• If I drive on a suspended license am I covered?
• Should I have a commercial auto policy?
• Does my insurance cover my expensive audio equipment?
• What happens if I owe more than my 2015 Volkswagen e-Golf is worth?
• What vehicles should carry emergency assistance coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverages for a Volkswagen e-Golf

Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverages available from insurance companies.

Coverage for liability – Liability insurance protects you from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things such as attorney fees, repair bills for other people’s vehicles, funeral expenses, court costs and medical services. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Collision – This covers damage to your e-Golf resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as crashing into a ditch, colliding with another moving vehicle, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Volkswagen e-Golf.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive coverage – This covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, a broken windshield, hitting a deer, a tree branch falling on your vehicle and vandalism. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for bills like EMT expenses, ambulance fees and surgery. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage