Save on 2018 Volkswagen Golf GTI Car Insurance Rates

Searching for better insurance coverage rates for your Volkswagen Golf GTI? Locating better insurance prices for a Volkswagen Golf GTI can normally be an all-consuming task, but you can learn our insurance coverage buying tips and make it easy.

There are more efficient ways to compare insurance coverage rates so you’re going to learn the best way to get price quotes for your Volkswagen and get the best price possible from both online companies and local agents.

It’s a good habit to quote other rates before your policy renews because insurance coverage rates change frequently. Even if you think you had the best deal on Golf GTI coverage a couple years back other companies may now be cheaper. There is a lot of wrong information about insurance coverage on the internet, but in a few minutes you can learn some solid techniques on how to lower your insurance coverage bill.

These discounts can lower your insurance quotes

Insurance is expensive, but there are discounts available to cut the cost considerably. A few discounts will be applied at the time of quoting, but some must be specially asked for before you get the savings.

  • Defensive Driving Course – Taking part in a class that teaches defensive driver techniques could cut 5% off your bill depending on where you live.
  • Distant College Student Discount – Kids who are attending college and do not take a car to college could get you a discount.
  • Smart Student Discounts – Excelling in school can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
  • Own a Home and Save – Owning a house can earn you a little savings because it requires personal responsibility.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you could save 10% to 20% off each policy.
  • E-sign – A few companies will give you a small discount just for signing your application on their website.

One last thing about discounts, some credits don’t apply to your bottom line cost. Most only apply to the cost of specific coverages such as medical payments or collision. So even though you would think you could get a free insurance policy, nobody gets a free ride. But all discounts will positively reduce your policy cost.

Large insurance companies and a summarized list of policyholder discounts include:

  • Progressive offers premium reductions for multi-policy, multi-vehicle, homeowner, good student, continuous coverage, and online signing.
  • SAFECO includes discounts for teen safety rewards, accident prevention training, drive less, multi-car, bundle discounts, teen safe driver, and safe driver.
  • American Family has savings for good driver, Steer into Savings, good student, bundled insurance, and defensive driver.
  • MetLife may offer discounts for claim-free, accident-free, defensive driver, good student, and multi-policy.
  • GEICO discounts include emergency military deployment, daytime running lights, anti-theft, defensive driver, multi-policy, and federal employee.
  • The Hartford has discounts for air bag, anti-theft, driver training, good student, vehicle fuel type, bundle, and defensive driver.

Double check with every insurance company how many discounts you can get. Discounts might not be offered in every state. To see insurance companies that offer discounts, click here to view.

Find Volkswagen Golf GTI insurance at a discount

Consumers need to have an understanding of some of the things that help determine auto insurance rates. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with cheaper rates.

The itemized list below are most of the major factors used by insurance companies to determine premiums.

  • Car and home together may be cheaper – Most auto insurance companies will give better rates to buyers that buy multiple policies such as combining an auto and homeowners policy. Even if you qualify for this discount already, it’s still a good idea to check prices from other companies to help guarantee you have the best rates.
  • Claim-free discounts can add up – Car insurance companies give the lowest premiums to policyholders who are not frequent claim filers. If you are the type of insured that files lots of claims you can pretty much guarantee either higher rates or even cancellation. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
  • Small coverages can add up – There are a ton of additional coverages that sound like a good idea at the time on your auto insurance policy. Insurance for things like personal injury protection, accident forgiveness, and extra life insurance coverage are examples of these. These coverages may sound good when discussing your needs, but your money might be better spent on other coverage so remove them from your policy.
  • Teenagers are high risk – Older drivers have been proven to be more responsible, tend to file fewer claims and are safer drivers.Beginning drivers are statistically shown to be less responsible in a vehicle so auto insurance rates are higher.
  • Annual mileage impacts prices – The more miles you rack up on your Volkswagen in a year the more you’ll pay to insure your vehicle. A lot of companies charge rates based upon how much you drive. Autos that are left in the garage receive better premium rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance policy reflects annual mileage. A policy that improperly rates your Golf GTI may be wasting your money.
  • Your vocation is a factor – Do you work in a high-stress field? Careers like judges, executives and emergency personnel generally have higher rates than average in part from stressful work requirements and long work hours. On the flip side, occupations such as actors, engineers and retirees have lower than average premiums on Golf GTI coverage.

Different people need different auto insurance coverages

When it comes to buying the right insurance coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine whether or not you may require specific advice.

  • How can I get my company to pay me more for my totalled car?
  • Should I have a commercial auto policy?
  • Is my babysitter covered when using my vehicle?
  • How much liability do I need to cover my assets?
  • Am I getting all the discounts available?
  • Why am I required to buy high-risk coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered if hit by an uninsured driver?
  • Are my friends covered when driving my car?
  • Should I rate my 2018 Volkswagen Golf GTI as pleasure use or commute?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Learn about insurance coverages for a 2018 Volkswagen Golf GTI

Having a good grasp of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Collision coverage

This coverage covers damage to your Golf GTI resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like hitting a parking meter, scraping a guard rail, rolling your car, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Liability coverage

Liability coverage protects you from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims like court costs, structural damage, medical expenses, medical services and attorney fees. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Uninsured and underinsured coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Volkswagen Golf GTI.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverages

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like theft, vandalism, hail damage, falling objects and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for chiropractic care, rehabilitation expenses, EMT expenses and dental work. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Be Smart and Buy Smart

People leave their current company for a variety of reasons including delays in paying claims, denial of a claim, policy cancellation or even high rates after DUI convictions. It doesn’t matter what your reason, switching companies can be pretty painless.

As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to regret that they should have had better coverage. The proper strategy is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Some insurance companies may not have price quotes online and these regional insurance providers sell through local independent agents. Affordable 2018 Volkswagen Golf GTI insurance can be bought from both online companies as well as from independent agents, so compare prices from both to have the best selection.

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