2016 Volkswagen e-Golf Car Insurance Rates – 10 Ways to Save

Searching for cheaper insurance rates for your Volkswagen e-Golf? I doubt anyone enjoys paying for insurance, especially when they are aware that their premiums are too high. You have multiple auto insurance companies to pick from, and even though it’s nice to have multiple companies, more choices can make it harder to adequately compare rates.

How to get free car insurance quotes online

Finding cheaper car insurance quotes is not rocket science. All you need to do is take the time to compare rate quotes to find out which insurance company has affordable insurance coverage quotes. This can be accomplished using one of these methods.

1. The most efficient way to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This quick form keeps you from doing multiple quote forms for every prospective company. Filling out one form gets prices estimates direct from many companies.
2. A harder way to get quotes online consists of visiting each individual company website and repeat the quote process again and again. For instance, let’s assume you want to compare rates from USAA, 21st Century and State Farm. To get rate quotes you would need to spend time going to each site individually and repeatedly enter your information, and that explains why we recommend the first method.

   To view a list of companies in your area, click here.

3. The final way to price shop rates is driving around to all the different insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you have a complicated situation and need the extra assistance that only a licensed agent can provide. Although you can price shop your coverage online but buy from a local insurance agent.

The approach you take is up to you, just be certain you are entering the exact same coverage limits on every quote. If each company quotes differing limits it’s not possible to determine which company has the best rates.

Tailor your insurance coverage to you

When it comes to choosing coverage for your vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might point out whether or not you would benefit from an agent’s advice.

• Why am I required to get a high-risk car insurance policy?
• What is the minimum liability in my state?
• Does my insurance cover my expensive audio equipment?
• Why am I be forced to buy a membership to get insurance from some companies?
• How can I force my company to pay a claim?
• Can I make deliveries for my home business?
• Is my ex-spouse still covered by my policy?

If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage information

Having a good grasp of your policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverages found on the average insurance policy.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for EMT expenses, pain medications, dental work and nursing services. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Liability coverages – Liability insurance will cover damage or injury you incur to other people or property that is your fault. 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. You commonly see limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as attorney fees, medical expenses, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a broken windshield, damage from flooding, vandalism and falling objects. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage will pay to fix damage to your e-Golf resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as sideswiping another vehicle, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.