2015 Volkswagen Golf GTI Insurance Rates – 8 Ways to Save

Locating the cheapest car insurance may be problematic for drivers not familiar with comparison shopping on the internet. Since there are so many companies, how can drivers be able to compare every one to find lower car insurance premiums?

It’s smart to get comparison quotes on a regular basis since prices are constantly changing. Despite the fact that you may have had the lowest rates on Golf GTI insurance a few years ago the chances are good that you can find a lower rate quote today. Forget all the misinformation about car insurance because you’re about to learn the fastest and easiest way to buy cheaper car insurance.

Find hidden discounts on insurance

Car insurance companies do not list every available discount in an easy-to-find place, so here is a list some of the more common in addition to some of the lesser obvious insurance savings.

  • Clubs and Organizations – Joining a professional or civic organization could trigger savings when shopping for insurance.
  • Defensive Driver Discount – Successfully completing a course teaching driver safety skills can save you 5% or more and easily recoup the cost of the course.
  • Discount for Passive Restraints – Factory options such as air bags or automatic seat belts may earn rate discounts of 20 to 30 percent.
  • Discounts for Federal Employees – Simply working for the federal government may reduce rates when you quote insurance coverage on Golf GTI insurance depending on your insurance provider.
  • Claim Free – Drivers who don’t have accidents can save substantially in comparison with drivers with a long claim history.
  • Policy Bundle Discount – If you can combine your homeowners and auto policy with the same company you may earn at least 10 to 15 percent or more.
  • Lower Rates for Military – Having an actively deployed family member could be rewarded with lower premium rates.
  • Cautious Drivers – Insureds who avoid accidents could pay up to 40% less on Golf GTI insurance than drivers with accidents.

One last thing about discounts, some credits don’t apply to the entire cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like you can get free auto insurance, you’re out of luck.

Auto insurance companies that may offer most of the discounts above may include but are not limited to:

If you need low cost insurance coverage quotes, ask all companies you are considering which discounts you may be entitled to. Some discounts might not apply in your area. If you would like to view insurance companies that offer discounts, click here to view.

Switch companies and save? Really?

Respected companies like GEICO, State Farm and Progressive continually stream ads on television and other media. They all seem to tend to make the same promise of big savings if you just switch your policy. How is it plausible that every one can charge less that you’re paying now?

All the different companies give the best rates for the type of driver that makes them money. One example of this type of driver might have to be between 25 and 40, has other policies, and chooses high deductibles. Any customer that fits those parameters is entitled to the best price and will probably save a lot of money.

People who do not match those criteria will probably have to pay more expensive rates which translates to the driver buying from a lower-cost company. The trick is to say “people who switch” not “everyone that quotes” save that kind of money. This is how insurance companies can confidently advertise the savings. Because every company is different, drivers should get insurance coverage quotes as often as possible. It’s just too difficult to predict the company that will have the best premium rates.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every situation is different.

For example, these questions may help highlight whether you would benefit from an agent’s advice.

  • Is business equipment covered while in my vehicle?
  • Is my Volkswagen Golf GTI covered if I use it for business?
  • Am I missing any policy discounts?
  • Am I covered when delivering products for my home-based business?
  • Does coverage extend to a rental car in a foreign country?
  • How can I get high-risk coverage after a DUI?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I need rental car coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my state a no-fault state?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Coverages available on your policy

Learning about specific coverages of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision coverage – This coverage pays for damage to your Golf GTI resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as rolling your car, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, damage from flooding, a broken windshield and falling objects. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability – Liability coverage can cover damage or injury you incur to people or other property that is your fault. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for claims such as funeral expenses, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Volkswagen Golf GTI.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for prosthetic devices, nursing services and surgery. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Make a quick buck

Low-cost 2015 Volkswagen Golf GTI insurance is attainable online in addition to local insurance agencies, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not provide price quotes online and most of the time these regional insurance providers only sell coverage through independent insurance agencies.

As you go through the steps to switch your coverage, you should never buy less coverage just to save a little money. In many cases, drivers have reduced collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage at the best price while not skimping on critical coverages.

You just read quite a bit of information on how to compare 2015 Volkswagen Golf GTI insurance car insurance rates online. The key concept to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the best price on insurance is with the smaller companies.

To read more, feel free to visit the resources below: