2015 Volkswagen Golf GTI Insurance Rates – 10 Ways to Save

Trying to find lower insurance coverage rates for your Volkswagen Golf GTI? Did you fall for a flashy sales pitch and buy high-priced insurance coverage? Believe me, you’re not the only one. With so many insurance coverage companies to choose from, it can be impossible to choose the most affordable company.

It’s a great practice to take a look at other company’s rates on a regular basis since insurance rates change quite often. Just because you found the lowest price on Golf GTI insurance on your last policy you can probably find a lower rate today. Ignore everything you know about insurance coverage because you’re about to find out the only way to properly buy coverages while reducing your premium.

Buying the lowest cost protection is quite easy. If you are insured now or are looking for a new policy, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Vehicle owners only need to know the most effective way to shop for auto insurance online.

How to Compare Insurance

Most major insurance companies such as Allstate and Progressive provide prices for coverage on the web. Getting online rates is quite easy as you simply enter the coverage amounts you desire into the quote form. Once you submit the form, their system automatically orders information on your driving record and credit history and generates pricing information based on these factors. Quoting online makes it a lot easier to compare rates but the work required to visit several different sites and fill out multiple forms can get tiresome after awhile. But it’s very important to get many rate quotes in order to find better prices.

The easy way to compare rates

A quicker way to lower your insurance bill requires only one form that analyzes rates from many companies. It’s a real time-saver, requires much less work on your part, and makes quoting online much easier. After sending the form, your coverage is rated and you can choose any of the quotes that you receive.

If the quotes result in lower rates, you can click and sign and purchase the new policy. This process only takes a few minutes and you will know how your current rates stack up.

To quickly compare rates now, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you enter the coverages identical to your current policy. Doing this guarantees you will have a price comparison using the same coverage and limits.

Discounts are available to cut your rates

Insurance can be prohibitively expensive, but companies offer discounts to help offset the cost. A few discounts will automatically apply when you complete an application, but some must be asked about in order for you to get them. If you’re not getting every credit available, you are throwing money away.

  • Discount for Swiching Early – A few companies offer discounts for switching policies prior to your current policy expiration. The savings is around 10%.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount on Golf GTI insurance with certain companies.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you may earn 10% to 20% off each policy.
  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for better car insurance rates on Golf GTI insurance.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Homeowners Pay Less – Simply owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Auto/Life Discount – Larger companies have better rates if you take out a life insurance policy as well.
  • E-sign – A few companies give back up to $50 for buying a policy and signing up digitally online.
  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • No Claims – Drivers with accident-free driving histories pay less as compared to drivers who are more careless.

It’s important to note that most discount credits are not given to the entire cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way. But all discounts will help reduce your overall premium however.

Insurance companies that may have these benefits include:

Check with all companies you are considering which discounts they offer. All car insurance discounts may not apply in every state.

Everyone needs different coverages

When it comes to buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions can aid in determining whether you could use an agent’s help.

  • Will my rates increase for filing one claim?
  • Do I need higher collision deductibles?
  • If my 2015 Volkswagen Golf GTI is totaled, can I afford another vehicle?
  • Does my car insurance cover rental cars?
  • How high should my medical payments coverage be?
  • Which is better, split liability limits or combined limits?
  • When would I need rental car insurance?
  • What companies insure drivers after a DUI or DWI?
  • Where can I find DUI or SR-22 insurance?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.

Is there truth in advertising?

Consumers can’t ignore all the ads for cheaper car insurance by Allstate and Progressive. All the companies have a common claim that you’ll save big if you switch to their company.

But how can every company make almost identical claims? It’s all in the numbers.

Different companies are able to cherry pick for the right customer that makes them money. A good example of a desirable insured could possibly be between 30 and 50, is a homeowner, and has excellent credit. A driver that hits that “sweet spot” is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential customers who don’t qualify for the “perfect” profile will be quoted a more expensive rate and ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “people who quote” save that much. This is how companies can advertise the way they do.

This emphasizes why it’s extremely important to get quotes from several different companies. You cannot predict which insurance companies will provide you with the cheapest Volkswagen Golf GTI insurance rates.

Detailed coverages of your insurance policy

Understanding the coverages of a insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages available from insurance companies.

UM/UIM Coverage – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Volkswagen Golf GTI.

Since many 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. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability insurance – This coverage provides protection from damage that occurs to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like court costs, attorney fees and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as scraping a guard rail, sustaining damage from a pot hole, sideswiping another vehicle, backing into a parked car and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, hail damage, falling objects, hitting a bird and a tree branch falling on your vehicle. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance – Med pay and PIP coverage kick in for expenses such as X-ray expenses, nursing services and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

A tidy conclusion

As you prepare to switch companies, do not sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced liability coverage limits and discovered at claim time they didn’t have enough coverage. Your strategy should be to get the best coverage possible at the best price, not the least amount of coverage.

Budget-conscious 2015 Volkswagen Golf GTI insurance can be bought online as well as from independent agents, and you need to price shop both so you have a total pricing picture. A few companies don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

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