Cheaper 2012 Volkswagen GLI Insurance Cost

Nobody I know enjoys paying for insurance coverage, especially knowing they are paying too much.

Popular companies such as State Farm, Progressive and Geico promote their brand names with catchy ads and it is difficult to avoid their marketing magic and find the best price available.

Consumers need to price shop coverage yearly because rates are rarely the same from one policy term to another. Just because you found the best rates on GLI coverage last year you can probably find a lower rate today. So forget all the misinformation about insurance coverage because it’s time to teach you the fastest and easiest way to remove unneeded coverages and save money.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using these methods. Finding the best rates is not that difficult. Although drivers do need to know the methods companies use to market on the web because it can help you find the best coverage.

Comparison of Insurance

The are a couple different ways to get quotes from insurance companies in your area. One of the best ways to compare 2012 Volkswagen GLI insurance prices consists of obtaining rate quotes online. This is very easy and can be done in a couple of different ways.

  • One of the best ways to get quotes is to use a rate comparison form like this one (opens in new window). This method eliminates the need for a different quote for every insurance company. A single form will return price quotes from several companies.
  • A different way to compare rate quotes consists of visiting each individual company website to complete their respective quote request forms. For instance, we’ll pretend you want rates from Nationwide, State Farm and Allstate. To find out each rate you need to take the time to go to each site to input your insurance information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  • The least recommended method of getting rate comparisons is to waste gas driving to insurance agents’ offices. The ability to buy insurance online has reduced the need for local agents unless you require the professional guidance only provided by licensed agents. Drivers can get the lowest quotes online but still have the advice of a local agent. We’ll cover that shortly.

Whichever method you choose, be sure to compare exactly the same quote information on every quote. If you compare unequal deductibles or liability limits it’s impossible to find the best deal for your Volkswagen GLI. Just a small difference in coverages can mean a large discrepancy in price. And when comparing insurance rates, know that getting more free quotes gives you a better chance of getting lower pricing.

Do you qualify for discounts?

Properly insuring your vehicles can get expensive, but there are discounts available that can drop the cost substantially. Most are applied when you purchase, but a few need to be requested specifically prior to getting the savings.

  • Early Switch Discount – Some companies give discounts for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • Clubs and Organizations – Participating in a civic or occupational organization could trigger savings when buying insurance coverage on GLI coverage.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount on GLI coverage with select insurance companies.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Save with a New Car – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts will help reduce the cost of coverage.

For a list of insurers with discount insurance coverage rates, click here to view.

Don’t assume everyone needs the same coverage

When it comes to choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different and your policy should reflect that. These are some specific questions might point out if your insurance needs will benefit from professional help.

  • Why do I need rental car insurance?
  • How do I buy GAP insurance?
  • What is the rate difference between pleasure use and commuting?
  • How much liability do I need to cover my assets?
  • What happens if I owe more than my 2012 Volkswagen GLI is worth?
  • Do I pay less for low miles?
  • Do I need more liability coverage?
  • Is my Volkswagen GLI covered if I use it for business?
  • Is extra glass coverage worth it?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Coverage specifics

Knowing the specifics of your car insurance policy aids in choosing the right coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages found on the average car insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2012 Volkswagen GLI.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision insurance

This coverage pays for damage to your GLI caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, hitting a mailbox, sideswiping another vehicle and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for bills for dental work, chiropractic care, ambulance fees, pain medications and surgery. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, hail damage and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability insurance

This coverage will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show 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. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like structural damage, medical services, pain and suffering, emergency aid and funeral expenses. How much coverage you buy is up to you, but you should buy as much as you can afford.