2011 Volkswagen GTI Insurance Quotes – 7 Tips for Cheapest Rates

Cutting costs on car insurance is always kind of frustrating for people new to online comparison shopping. With a ridiculous number of insurers available, it can quickly become a real difficult job to compare prices.

You should take the time to compare rates before your policy renews because insurance prices are adjusted regularly by insurance companies. Even if you think you had the lowest price for GTI insurance a year ago you may be paying too much now. Ignore everything you know about car insurance because you’re about to find out the right way to find the best coverage while lowering your premiums.

How to compare free insurance coverage quotes

There are a lot of ways you can shop for insurance coverage but one way is easier and takes less work. You can waste a few hours (or days) talking about coverages with agents in your area, or you can utilize online quoting to maximize your effort.

Most car insurance companies take part in a program that enables customers to send in one quote, and each participating company provides a quote based on the submitted data. This prevents consumers from doing quote forms to each individual insurance coverage company.

To find out what other companies charge click here to open in new window.

The only drawback to doing it this way is that consumers can’t choose which carriers you want to price. So if you want to choose individual companies to compare prices, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

How you compare quotes is your choice, just ensure you are comparing identical coverage data for every company. If each company quotes different coverage information it will be next to impossible to find the best deal for your Volkswagen GTI. Quoting even small variations in coverages may result in large price differences. Just keep in mind that comparing more quotes increases the change that you will find more affordable rates.

Get cheap rates with these seven discounts

Companies offering auto insurance do not list their entire list of discounts very well, so the following is a list of a few of the more well known and also the lesser-known credits that you can use to lower your rates.

• No Claims – Claim-free drivers can earn big discounts in comparison with insureds who have frequent claims or accidents.
• Homeowners Pay Less – Just being a homeowner can earn you a little savings since home ownership requires personal responsibility.
• Student Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class if offered at their school.
• Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
• Low Mileage – Driving fewer miles may allow you to get cheaper premium rates.
• Employee of Federal Government – Having worked for a branch of the government could provide a small rate reduction for GTI insurance with a few insurance coverage companies.
• Organization Discounts – Being a member of a civic or occupational organization can get you a small discount on your bill.

Policy discounts save money, but some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like medical payments or collision. So even though it sounds like all those discounts means the company will pay you, that’s just not realistic.

A list of insurance coverage companies and some of the discounts are outlined below.

• State Farm has savings for multiple autos, Drive Safe & Save, anti-theft, safe vehicle, and multiple policy.
• Geico may offer discounts for membership and employees, anti-theft, military active duty, driver training, anti-lock brakes, and defensive driver.
• SAFECO policyholders can earn discounts including accident prevention training, multi-car, bundle discounts, teen safe driver, drive less, anti-lock brakes, and teen safety rewards.
• Farmers Insurance offers premium reductions for good student, bundle discounts, multi-car, mature driver, and youthful driver.
• AAA has discounts for AAA membership discount, education and occupation, good student, anti-theft, multi-car, pay-in-full, and good driver.
• USAA discounts include good student, multi-policy, multi-vehicle, military installation, new vehicle, and driver training.

It’s a good idea to ask every prospective company to give you their best rates. Depending on the company, some discounts might not be available to policyholders in your area. To view providers that offer discounts, click here.

What is the best auto insurance coverage?

When buying proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions may help you determine whether or not you would benefit from professional advice.

• Is my camper covered by my car insurance policy?
• Does coverage extend to my business vehicle?
• Do I need medical payments coverage since I have good health insurance?
• I have a DUI can I still get coverage?
• What is the minimum liability in my state?
• Is my 2011 Volkswagen GTI covered for flood damage?
• Why do I need rental car insurance?
• I have good health insurance, so how much medical payments coverage do I need?
• Does my 2011 Volkswagen GTI qualify for pleasure use?
• Are split liability limits better than a combined single limit?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance coverage information

Learning about specific coverages of insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Volkswagen GTI.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as funeral costs, hospital visits, EMT expenses and prosthetic devices. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability insurance

This coverage protects you from damages or injuries you inflict on other people or property. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in 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 a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like repair costs for stationary objects, bail bonds, emergency aid, funeral expenses and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

This pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as sustaining damage from a pot hole, hitting a mailbox, damaging your car on a curb, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as rock chips in glass, falling objects, hail damage and vandalism. The highest amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Get your money’s worth

Cheaper insurance can be purchased from both online companies and with local insurance agents, so you should compare both so you have a total pricing picture. There are still a few companies who don’t offer rates over the internet and many times these small insurance companies sell through independent insurance agents.

As you prepare to switch companies, it’s a bad idea to buy less coverage just to save a little money. In many instances, someone dropped comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. The goal is to purchase plenty of coverage at the best possible price, but do not skimp to save money.

You just learned some good ideas how to reduce 2011 Volkswagen GTI insurance prices online. The most important thing to understand is the more quotes you get, the better likelihood of getting cheaper auto insurance. Consumers could even find that the most savings is with the least-expected company.

More information can be found on the following sites:

• Comprehensive Coverage (Liberty Mutual)
• Coverage Information (Progressive Insurance)
• Bodily Injury Coverage (Liberty Mutual)
• Neck Injury FAQ (iihs.org)