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Volkswagen Golf R Insurance Cost

There are many options when shopping for car insurance for your Volkswagen vehicle. You can buy direct from an agent or get quotes online to compare rates from multiple companies. Comparing auto insurance online saves time, is easy to do and there is a good chance you can save money.

Using the web to shop for auto insurance direct can be a challenge if you are a beginner to online quoting. Don't let that stop you because it's actually quite easy. Lowering your Golf R insurance rates is not rocket science. You just need to take a few minutes getting comparison quotes online from several insurance companies. This can be done by comparing rates here.

Car insurance premiums for your Volkswagen Golf R can fluctuate considerably and are calculated by many factors. Some of these factors include:

  • High performance increases premiums
  • Accidents raise premiums
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Extra coverages like towing and rental
  • Your claim history
  • No coverage lapses saves money
  • Whether you own your home

An additional factor that can impact Golf R insurance cost is the year of the vehicle. Newer models have a higher value than older models so the costs to repair may result in higher rates. Conversely, newer models may have safety features such as pedestrian detection, dual-stage airbags, and blind-spot warning system which may lower rates.

To get a better idea how much rates will be for your vehicle, select the year of your Golf R below.

Liability coverage

This protects you from damage that occurs to other's property or people. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy as high a limit as you can afford.

Collision insurance

This coverage pays for damage to your Volkswagen resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The most you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often utilized in addition to your health insurance program or if you do not have health coverage. PIP coverage is not available in all states and gives slightly broader coverage than med pay.

How Much are Volkswagen Golf R Insurance Rates?