2014 Volkswagen GTI Car Insurance Quotes – 8 Tips for Best Rates

Buying the lowest cost insurance coverage on the web can seem to be impossible for consumers not familiar with comparison shopping online. With a ridiculous number of insurers to choose from, how can consumers even start to compare them all to find the lowest price?

Discounts mean cheaper Volkswagen GTI insurance rates

Auto insurance companies don’t always list every discount very well, so we researched both the well known and the more hidden discounts you could be receiving.

  • No Claims – Drivers who don’t have accidents can save substantially compared to frequent claim filers.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • College Student – Youth drivers who live away from home and do not have a car can be insured at a reduced rate.
  • Organization Discounts – Belonging to certain professional organizations is a good way to get lower rates when buying insurance on GTI coverage.
  • Paperwork-free – Some insurance companies may give you up to $50 for buying a policy and signing up online.
  • Low Mileage – Fewer annual miles on your Volkswagen could qualify for discounted rates on garaged vehicles.
  • One Accident Forgiven – A handful of insurance companies allow you one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. This discount can apply until age 25.

It’s important to note that some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you could get a free insurance policy, it doesn’t quite work that way.

A partial list of companies that may have these benefits include:

Check with every prospective company what discounts are available to you. All car insurance discounts may not be available in every state.

Save 15 percent in 15 minutes? Is it for real?

State Farm, Allstate and Geico constantly bombard you with ads on television and other media. All the companies have a common claim about savings if you switch your coverage to them. How can each company make the same claim?

Insurance companies can use profiling for the type of driver that is profitable for them. For example, a preferred risk could be between 30 and 50, owns a home, and drives less than 7,500 miles a year. Any new insured who matches those parameters will get very good rates and most likely will cut their rates substantially.

Consumers who don’t measure up to the “perfect” profile will be charged a more expensive rate which leads to the customer not buying. The ads state “customers that switch” not “everyone that quotes” save money. That is how companies can claim big savings. That is why it’s extremely important to get a wide range of price quotes. It’s just too difficult to predict which company will give you the biggest savings on Volkswagen GTI insurance.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different.

For example, these questions may help highlight if your insurance needs may require specific advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is PIP insurance?
  • Do I need added coverage for expensive stereo equipment?
  • Does liability extend to a camper or trailer?
  • What is the ISO rating for a 2014 Volkswagen GTI?
  • What is the difference between comprehensive and collision coverage?
  • Will my rates increase for filing one claim?
  • Is my teenager covered with friends in the car?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form.

Specific coverages for a 2014 Volkswagen GTI

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from flooding, damage from a tornado or hurricane and hail damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like chiropractic care, pain medications, EMT expenses, X-ray expenses and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability insurance will cover injuries or damage you cause to other’s property or people. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as repair bills for other people’s vehicles, structural damage, legal defense fees, medical expenses and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Collision coverage

Collision coverage covers damage to your GTI resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with a tree, colliding with another moving vehicle, driving through your garage door and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Volkswagen GTI.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

More choices the merrier

While you’re price shopping online, make sure you don’t reduce coverage to reduce premium. There are a lot of situations where an insured dropped collision coverage only to find out that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Consumers who switch companies do it for many reasons like extreme rates for teen drivers, questionable increases in premium, policy cancellation or even poor customer service. Whatever your reason, finding a great new company is actually quite simple.

In this article, we presented a lot of information how to compare 2014 Volkswagen GTI insurance prices online. The key concept to understand is the more rate quotes you have, the better likelihood of reducing your rate. Consumers could even find that the best price on auto insurance is with some of the lesser-known companies.

More tips and info about auto insurance can be read in these articles: