View 2012 Volkswagen GLI Insurance Rates

Trying to find lower insurance rates for your Volkswagen GLI? Think you have an expensive insurance policy? It’s quite common and many drivers have buyer’s remorse.

With drivers having so many insurance providers from which to choose, it’s difficult to choose the lowest cost insurance company.

Buying the best coverage is easy if you know what you’re doing. Basically, every driver who is shopping for insurance coverage stands a good chance to be able to save money. But car owners do need to understand how insurance companies determine prices because it can help you find the best coverage.

These discounts can lower your auto insurance rates

Auto insurance is not inexpensive, but there may be some discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you get a quote, but a few need to be manually applied before you get the savings.

• Seat Belts Save – Drivers who always wear seat belts and also require passengers to use a seat belt could save 15% off the PIP or medical payment premium.
• Memberships – Belonging to specific professional or occupational memberships or organizations may earn a discount on your bill.
• Discount for Home Ownership – Simply owning a home can earn you a little savings because maintaining a house requires a higher level of personal finance.
• Good Students Pay Less – A discount for being a good student may save as much as 25% on a insurance coverage quote. You can use this discount normally up to age 25.
• Multiple Vehicles – Purchasing coverage when you have several vehicles with the same auto insurance company can reduce the rates for all insured vehicles.
• Distant Student – who are attending college and do not take a car to college can receive lower rates.
• Defensive Driver Discount – Completing a course that instructs on driving safety could earn you a small percentage discount and easily recoup the cost of the course.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, auto insurance companies aren’t that generous.

A few of the larger companies and a partial list of their discounts can be found below.

• Progressive discounts include homeowner, multi-policy, continuous coverage, online signing, and good student.
• Geico includes discounts for multi-vehicle, multi-policy, driver training, military active duty, and defensive driver.
• State Farm offers premium reductions for passive restraint, multiple policy, good student, driver’s education, student away at school, and good driver.
• Esurance offers discounts including homeowner, claim free, DriveSense, good student, Switch & Save, good driver, and paid-in-full.
• The Hartford has savings for vehicle fuel type, anti-theft, bundle, good student, defensive driver, and driver training.

Double check with each company to give you their best rates. Depending on the company, some discounts may not apply to policies in your area. To see auto insurance companies that offer the discounts shown above, click this link.

How car insurance companies calculate Volkswagen GLI insurance premiums

An important part of buying insurance is that you know the rating factors that help calculate the rates you pay for car insurance. When consumers understand what influences your rates, this allows you to make educated decisions that could result in much lower annual insurance costs.

• Responsible drivers have lower costs – Drivers with clean records get better rates than bad drivers. Getting just one moving violation may cause rates to rise by as much as twenty percent. Drivers unfortunate enough to have serious violations like hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with the DMV in their state in order to legally drive a vehicle.
• Drive lots and pay more – The higher the miles on your Volkswagen annually the more you’ll pay to insure your vehicle. Almost all companies calculate prices based upon how much you drive. Cars and trucks not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Incorrect rating for your GLI can result in significantly higher rates. Double check that your car insurance coverage is rated on how each vehicle is driven, because improper ratings can cost you money.
• Rates can change based on your address – Having an address in less populated areas of the country is a positive aspect when buying car insurance. Less people living in that area means fewer accidents in addition to lower liability claims City drivers regularly have more auto accidents and more time behind the wheel. Higher commute times means higher likelihood of an accident.
• Is your vehicle theft-ready? – Owning a car with anti-theft technology or alarm system can get you a discount on your car insurance. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms help track and prevent vehicle theft.

Different people need different auto insurance coverages

When it comes to choosing adequate coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions may help highlight whether or not you will benefit from professional help.

• Does car insurance cover theft of personal property?
• Do I need medical payments coverage since I have good health insurance?
• Where can I find high-risk insurance?
• What is roadside assistance coverage?
• Are my tools covered if they get stolen from my vehicle?
• Should I bundle my homeowners policy with my auto?
• Do I benefit by insuring my home with the same company?
• Do I have coverage when making deliveries for my home business?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Insurance coverage specifics

Learning about specific coverages of insurance can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Collision coverage protection

This coverage will pay to fix damage to your GLI resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a mailbox, colliding with a tree, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

UM/UIM Coverage

This gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Volkswagen GLI.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hail damage, hitting a bird and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for immediate expenses such as X-ray expenses, prosthetic devices and doctor visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Liability car insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as emergency aid, legal defense fees, repair costs for stationary objects, loss of income and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Be a Smart Shopper

You just read some good ideas how you can lower your 2012 Volkswagen GLI insurance rates. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your car insurance rates. You may even discover the lowest rates come from a small mutual company. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Allstate, Geico and Progressive.

When shopping online for auto insurance, never skimp on coverage in order to save money. In many instances, drivers have reduced full coverage only to find out that it was a big mistake. Your goal should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

Helpful resources

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Top Signs Your Brakes are Giving Out (State Farm)