View 2017 Volkswagen Golf GTI Car Insurance Quotes

Overpriced insurance coverage can dry up your family’s budget and put a big crunch on your finances. Doing a rate analysis is free and is an excellent way to cut your insurance bill.

Popular companies such as Progressive, State Farm and GEICO continually bombard you with advertising and consumers find it hard to ignore the propoganda and effectively compare rates to find the best deal.

It’s a great practice to check insurance coverage prices at least once a year because prices are usually higher with each renewal. Just because you found the best rate for Golf GTI insurance a few years ago the chances are good that you can find a lower premium rate today. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to one of the best ways to find great coverage at a great price.

Compare free car insurance quotes

Lowering your 2017 Volkswagen Golf GTI car insurance rates is pretty simple and can save money. Drivers just need to take the time comparing free insurance coverage quotes to discover which company has the cheapest insurance coverage quotes. It’s super easy and can be done by using one of the methods below.

Without a doubt, the easiest way to find low rates is to use a rate comparison form click here to open form in new window. This quick form saves time by eliminating boring form submissions for each company. One simple form gets prices estimates from many national carriers.

A more time consuming way to find better pricing requires a visit to the website of each company to request a price quote. For examples sake, we’ll pretend you want rates from State Farm, Esurance and Farmers. In order to get each rate, you would have to visit each site and type in your information over and over, which is why first method is reommended. For a list of links to companies insuring cars in your area, click here.

If you have time to kill, the last way to compare rates is calling or driving to each insurance agency near you. Comparing rates online makes this process obsolete unless you require the trained guidance that only a licensed agent can provide. Although you can get prices online and still use a local agent.

Whichever way you use, do your best to enter the exact same quote information on every price quote you get. If you enter higher or lower deductibles you will not be able to determine the best price for your Volkswagen Golf GTI.

Cheaper rates by taking advantage of discounts

Companies offering auto insurance don’t list every discount they offer in an easy-to-find place, so the following list contains a few of the more common and the more hidden auto insurance savings. If they aren’t giving you every credit you qualify for, you are just wasting money.

  • Save with a New Car – Putting insurance on a new car may earn a small discount because newer models keep occupants safer.
  • Accident Forgiveness – This one isn’t a discount, but some insurance companies will allow you to have one accident before your rates go up if you are claim-free prior to the accident.
  • Discounts for Federal Employees – Active or retired federal employment can save as much as 8% for Golf GTI insurance with some auto insurance companies.
  • Homeowners Discount – Simply owning a home can earn you a little savings because maintaining a house shows financial diligence.
  • Military Discounts – Having a deployed family member could trigger a small discount.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance from them.
  • Sign Early and Save – Some auto insurance companies give discounts for switching policies before your current coverage expires. This can save 10% or more.
  • Driver Education Discount – Have your child take driver’s ed class in school or through a local driver safety program.
  • Theft Deterent – Cars with anti-theft systems have a lower chance of being stolen and will save you 10% or more.
  • College Student – who live away from home to go to college and don’t have a car could get you a discount.

Policy discounts save money, but some of the credits will not apply to the entire policy premium. Most only cut individual premiums such as comprehensive or collision. Despite the fact that it seems like all those discounts means the company will pay you, that’s just not realistic.

Some companies that possibly offer these discounts may include but are not limited to:

If you are trying to find cheaper insurance coverage quotes, ask every insurance company which discounts you qualify for. Savings may not apply to policyholders in your area. To locate insurance companies that offer the discounts shown above, click this link.

How much insurance coverage do I need?

When it comes to choosing the right insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions may help you determine if your situation could use an agent’s help.

  • Am I covered when driving in Canada or Mexico?
  • Who is covered by my policy?
  • Do I need more liability coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Why do I need rental car insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my insurance cover my expensive audio equipment?
  • Can my teen drive my company car?
  • When can I cancel my policy?
  • Does my insurance cover a custom paint job?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.

Insurance coverages 101

Learning about specific coverages of your insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages available from insurance companies.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, damage from getting keyed, hitting a bird and hail damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Volkswagen Golf GTI.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverages – This coverage will cover injuries or damage you cause to a person or their property that is your fault. It protects YOU from legal claims by others. Liability 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 values of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like loss of income, attorney fees, structural damage and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Collision coverages – This will pay to fix damage to your Golf GTI from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as sustaining damage from a pot hole, damaging your car on a curb, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as funeral costs, X-ray expenses, pain medications and EMT expenses. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay