Compare 2010 Volkswagen GTI Car Insurance Rates

Want the cheapest insurance coverage rates? Drivers have many options when trying to find affordable Volkswagen GTI insurance. They can either waste time struggling with agents to get rate comparisons or utilize the internet to make rate comparisons.

There are more efficient ways to find insurance coverage online and you need to know the best way to price shop coverage for a new or used Volkswagen and obtain the best price possible from both online companies and local agents.

It’s important to price shop coverage yearly because rates are adjusted regularly by insurance companies. Even if you think you had the best premium rates on GTI insurance a couple years back there may be better deals available now. There is a lot of bad information regarding insurance coverage online, but we’re going to give you some great ideas on how to buy insurance coverage cheaper.

If you have a policy now or are just looking to switch companies, you can follow these tips to get lower rates and still get good coverage. The purpose of this post is to let you in on how car insurance quotes work and some tips to save money. Consumers just need to learn the proper methods to shop for car insurance online.

Discounts can really help lower premiums

Properly insuring your vehicles can get expensive, but there could be significant discounts that many people don’t even know exist. Certain credits will be shown at the time you complete a quote, but occassionally some discounts must be specially asked for prior to receiving the credit.

  • No Accidents – Insureds who avoid accidents and claims pay much less in comparison with accident-prone drivers.
  • Theft Deterent Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems help deter theft so companies will give you a small discount.
  • First Accident Forgiveness – Not really a discount, but some insurance companies allow you one accident without getting socked with a rate hike with the catch being you have to be claim-free for a specific time period.
  • Government Employees – Active or retired federal employment could provide a small rate reduction on GTI insurance with some insurance coverage companies.
  • Mature Driver Discount – Drivers that qualify as senior citizens may receive reduced rates on GTI insurance.
  • Club Memberships – Being in a civic or occupational organization may earn a discount when getting a auto insurance quote.
  • Multi-policy Discount – If you can combine your auto and home policy with the same company you could save up to 20% and get you the cheapest auto insurance.
  • Passenger Safety Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.

Just know that many deductions do not apply to the entire policy premium. Most cut the cost of specific coverages such as medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, companies wouldn’t make money that way.

If you would like to choose from a list of companies that offer many of these discounts, follow this link.

Will just any policy work for me?

When buying the best insurance coverage coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions may help you determine if your situation would benefit from an agent’s advice.

  • Why does it cost so much to insure a teen driver?
  • When should my teen driver be added to my policy?
  • Will I lose any money if I cancel my policy before it expires?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I get collision insurance on every vehicle?
  • Is my 2010 Volkswagen GTI covered for flood damage?

If you don’t know the answers to these questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Parts of your auto insurance policy

Having a good grasp of a auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like chiropractic care, funeral costs, X-ray expenses and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Liability coverages

Liability coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as attorney fees, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

This coverage pays for damage to your GTI resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, crashing into a ditch, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Volkswagen GTI.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverages

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as rock chips in glass, a broken windshield, vandalism, hitting a deer and damage from flooding. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

A fool and his money are soon parted

We covered a lot of tips how to get a better price on 2010 Volkswagen GTI insurance. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even discover the best car insurance rates are with a small mutual company.

When getting auto insurance quotes online, never reduce coverage to reduce premium. There are many occasions where an insured cut full coverage to discover at claim time they didn’t purchase enough coverage. Your focus should be to purchase a proper amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

Low-cost 2010 Volkswagen GTI insurance is definitely available both online and also from your neighborhood agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide internet price quotes and most of the time these smaller companies work with independent agencies.

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Comments About 2010 Volkswagen GTI Insurance

  1. Li Holmes

    I live just to the east of San Jose, CA. I got free prices from AIG Insurance, Sentry, and some smaller one I can’t remember the name of for my Volkswagen and I’m now saving $48 a month. I have a couple other vehicles on the policy. You can get a rate quote online.

  2. Marvel Torres

    Need cheaper insurance rates for my teenage driver in Billings, MT!!

  3. Kathern Kelley

    If you have a clean record and live around Jacksonville, FL, check out 21st Century. I saved quite a bit. Left GEICO to switch. Hopefully won’t need it. :)

  4. Johnson Grant

    Anyone buy from AAA? I’m in New Haven, Connecticut.

  5. Nell Conner

    Good site, thanks. Lifelong resident of Milwaukee, Wisconsin. I got free rates from Auto-Owners, Nationwide, and some smaller one I can’t remember the name of for my Volkswagen and I’m now saving $40 a month.

  6. Annamaria Moses

    Cheap is not always the best policy. Live in Sioux Falls, SD. Quoted quotes from 21st Century, GMAC, and Encompass for my Volkswagen and saved just over $210 a year. Left MetLife to switch. I get a discount for insuring multiple vehicles. I recommend comparing lots of rates.

  7. Verlene Manning

    I live just to the south of Columbus, GA. Can’t remember who all I quoted but I ended up saving about $40 each month. Hardly afford to drive anymore.

  8. Lynell Horton

    My 2010 Volkswagen GTI is faster than yours.

  9. Leif Bush

    GEICO was cheapest for my 2010 Volkswagen GTI in Cincinnati, OH.

  10. Jina Russell

    IT’S ALL TOO EXPENSIVE! From a town just southwest of Boise, Idaho. Quoted a bunch of companies. Saved right around $60 a month. State Farm was the best choice for me. Thankfully I have a good driving record. LOL

  11. Hiedi Patton

    Live in the northern part of Cedar Rapids, IA. Went online for free insurance quotes for a 2010 Volkswagen GTI. Ended up at about $460 savings annually. Went with 21st Century. Left Travelers to switch. Good savings if you bundle. Can still barely afford it.

  12. Maire Christensen

    From Baton Rouge, Louisiana. I got free quotes from Allstate, Erie, and Hartford for my GTI and cut my rates about $370 a year. LOL

  13. Afton Whitley

    Great info, thanks for posting. I live just outside Cincinnati, OH. Compared quite a few companies. Saved right around $40 a month. GEICO was the cheapest for me. Good savings if you bundle.

  14. Mirella Gallagher

    In Oklahoma City, OK, AAA had the best rates for my 2010 Volkswagen GTI. Even increased coverage a bit.