How Much Does 2018 Volkswagen Golf GTI Insurance Cost?

Finding low-cost insurance for your Volkswagen Golf GTI can normally be an all-consuming task, but you can learn our insurance coverage buying tips and make it easy. There are more efficient ways to find insurance coverage online and we’ll show you the quickest way to compare rates for your Volkswagen and find the lowest price from both online companies and local agents.

Smart consumers take time to do price comparisons occasionally because insurance coverage prices are usually higher with each renewal. Even if you got the lowest price for Golf GTI insurance six months ago there may be better deals available now. Forget all the misinformation about insurance coverage because we’re going to show you the things you must know in order to find better rates and still maintain coverage.

How to buy insurance online

Finding low cost 2018 Volkswagen Golf GTI insurance rates is actually easier than you may think. Consumers just need to take a few minutes comparing price quotes to see which company has cheaper insurance coverage quotes. Comparing prices online can be done by following the guidelines below.

  • The fastest and easiest way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This method saves time by eliminating multiple quote forms for every insurance company. A single, simple form compares rates instantly.It’s the quickest way to get rates.
  • A slightly less efficient method to compare prices consists of visiting each company’s website to complete a price quote. For instance, we’ll assume you want to compare rates from USAA, Farmers and Travelers. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why the first method is quicker.

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

Compare rates however you want, just compare the exact same quote data on every price quote you get. If you use unequal deductibles or liability limits it will be next to impossible to determine which rate is truly the best.

Use discounts on auto insurance

Some insurance providers do not list every discount in an easy-to-find place, so the list below contains both the well known as well as some of the hidden credits that may apply to you.

  • Low Mileage Discounts – Driving fewer miles can earn lower prices on the low mileage vehicles.
  • Save with More Vehicles Insured – Insuring primary and secondary vehicles with the same company qualifies for this discount.
  • Theft Prevention Discount – Cars and trucks that have factory anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
  • E-sign – Some auto insurance companies will provide an incentive shop insurance coverage on their website.
  • Early Signing – Some larger companies reward drivers for signing up prior to the expiration date on your current policy. It’s a savings of about 10%.

It’s important to note that most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as medical payments or collision. Just because you may think you can get free auto insurance, companies don’t profit that way. But all discounts will cut your policy premium.

A few of the larger companies and a partial list of their discounts include:

  • State Farm may offer discounts for Drive Safe & Save, accident-free, good driver, anti-theft, good student, safe vehicle, and Steer Clear safe driver discount.
  • Liberty Mutual discounts include safety features, good student, multi-car, new vehicle discount, and new graduate.
  • American Family policyholders can earn discounts including accident-free, multi-vehicle, good student, Steer into Savings, bundled insurance, and TimeAway discount.
  • Progressive may have discounts that include multi-policy, multi-vehicle, online signing, homeowner, and continuous coverage.
  • Farmers Insurance offers discounts for early shopping, electronic funds transfer, bundle discounts, distant student, and alternative fuel.
  • Auto-Owners Insurance has savings for group or association, anti-lock brakes, mature driver, anti-theft, and safe driver.
  • SAFECO may include discounts for teen safety rewards, accident prevention training, anti-lock brakes, homeowner, bundle discounts, and multi-car.

Before you buy a policy, ask each company which discounts you may be entitled to. Some discounts might not be available to policyholders in your area. To find auto insurance companies who offer online auto insurance quotes, click here to view.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage for your vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if you will benefit from professional help.

  • Am I covered if I wreck a rental car?
  • Should I buy additional glass protection?
  • Can I rent a car in Mexico?
  • What happens if I owe more than my 2018 Volkswagen Golf GTI is worth?
  • Is a blown tire covered by insurance?
  • Am I covered if I break a side mirror?
  • What is high-risk coverage and where do I buy it?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered when delivering products for my home-based business?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Coverage specifics

Knowing the specifics of your policy aids in choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Collision coverage

Collision coverage pays for damage to your Golf GTI caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with another moving vehicle, colliding with a tree, crashing into a building, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverages

This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, hail damage, rock chips in glass and hitting a bird. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like chiropractic care, ambulance fees and pain medications. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Liability insurance

Liability insurance will cover injuries or damage you cause to people or other property. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like court costs, funeral expenses, medical services and structural damage. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Golf GTI.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Cheaper insurance is a realistic goal

While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed full coverage only to find out they didn’t purchase enough coverage. The goal is to buy a smart amount of coverage at the best cost but still have enough coverage for asset protection.

Drivers leave their current company for any number of reasons including high rates after DUI convictions, delays in responding to claim requests, questionable increases in premium and denial of a claim. Regardless of your reason for switching companies, finding a new company is not as hard as you think.

We just showed you many ways to save on 2018 Volkswagen Golf GTI insurance. The key thing to remember is the more rate comparisons you have, the higher your chance of finding affordable insurance coverage. You may even find the lowest prices are with a small mutual company.

Much more information about insurance coverage is located on the following sites: