Volkswagen Golf GTI Insurance

You have lots of choices when trying to insure your Volkswagen vehicle. You can buy direct from an insurance agent or get quotes online to check prices from insurance providers. Shopping for auto insurance by comparing rates online saves time, is easy to do and at the same time you may find lower rates.

Comparing auto insurance rates direct online is challenging if you are a beginner to online rate quotes. But don't be discouraged because we're going to show you how. Finding a lower price on Golf GTI insurance can be quick and easy. You just have to take a little time to compare quotes online from several insurance companies. This is very easy and can be done by completing this short form.

What factors determine the rate you pay?

Insurance premiums on a Volkswagen Golf GTI will vary greatly and are calculated by many factors. Taken into consideration are:

High performance increases premiums
Your accident history
Whether you insure your home with the same company
Pleasure use vs. commuting use
Special coverage such as replacement cost
Whether or not you have claims
No coverage lapses saves money
Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. New vehicles have a higher replacement value compared to older Volkswagen models so the costs to repair will push premiums up. Conversely, new Volkswagen models have more advanced features such as dual-stage airbags, a rollover prevention system, and lane departure warning system so those may give discounted rates.

To get a better idea how much rates will be for your vehicle, select the year of your Golf GTI from available model years below.

Auto liability insurance

This provides protection from damages or injuries you inflict on people or other property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as much as you can afford.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your Golf GTI can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance plan or if you do not have health coverage. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.

How Much are Volkswagen Golf GTI Insurance Rates?