Save on 2013 Volkswagen GTI Car Insurance Quotes

Nobody likes paying for insurance, especially knowing their premiums are through the roof.

Many insurers vie for your hard-earned dollar, and it can be difficult to compare rates to find the lowest rate

The best way we recommend to compare rates is to realize most insurance companies participate in a system to provide you with free rate quotes. The only thing you need to do is take a few minutes to give details such as driver ages, types of safety features, daily mileage, and your credit rating estimate. The rating information is then submitted to many different companies and they return rate quotes instantly to find the best rate.

Are you getting all your discounts?

Companies offering auto insurance don’t always advertise all their discounts very clearly, so we break down some of the best known and also the lesser-known discounts you could be receiving.

Accident Forgiveness – Some insurance companies will forgive one accident without raising rates so long as you haven’t had any claims for a set time period.
Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
Multiple Policy Discount – If you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
Discount for Life Insurance – Some companies give lower rates if you buy a life insurance policy as well.
Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
55 and Retired – Older drivers may qualify for a discount up to 10% on GTI insurance.
Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The good student discount can last until age 25.
Defensive Driving Course – Taking a driver safety course could save 5% or more and easily recoup the cost of the course.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.

To see a list of companies who offer insurance discounts, follow this link.

When might I need an agent?

When choosing the best car insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that might help in determining if you might need an agent’s assistance.

I don’t drive much so do I pay less?
Is my business laptop covered if it gets stolen from my vehicle?
Do I have any recourse if my insurance company denies a claim?
Is my custom paint covered by insurance?
Do I need an umbrella policy?
Do I need roadside assistance coverage?
Will my vehicle be repaired with OEM or aftermarket parts?
Should I buy only the required minimum liability coverage?
Do I need replacement cost coverage?
Am I covered if hit by an uninsured driver?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Auto insurance 101

Knowing the specifics of your policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on most car insurance policies.

Auto collision coverage

This covers damage to your GTI resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with another moving vehicle, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Volkswagen GTI.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, falling objects, damage from getting keyed and rock chips in glass. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverage

Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. It protects YOU against other people’s claims. Liability 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. As an example, you may have policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like repair bills for other people’s vehicles, funeral expenses, bail bonds and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like funeral costs, ambulance fees and nursing services. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible