2013 Volkswagen GTI Insurance Quotes

Scraping up a payment for pricey Volkswagen GTI insurance can dwindle your funds and force you to make sacrifices. Comparing rate quotes is a fast and free way to reduce premiums and put more money in your pocket.

There is such a variety of insurers to purchase coverage from, and though it is a good thing to be able to choose, lots of choices makes it harder to find the best rates for your vehicles.

It’s important to do price comparisons before your next renewal because prices change frequently. Even if you think you had the best rates for GTI insurance two years ago other companies may now be cheaper. Ignore everything you know about insurance coverage because I’m going to teach you the fastest way to find better rates and still maintain coverage.

This information will instruct you on the most effective way to quote insurance and some money-saving tips. If you currently have car insurance, you will be able to save some money using this strategy. But consumers do need to understand how big insurance companies market on the web.

Low cost car insurance

To find cheap car insurance quotes, there are several ways of comparing rate quotes from all the different companies. The fastest way to do a complete rate comparison consists of obtaining rate quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The most recommended method to get quotes is an all-inclusive rate comparison click here to open form in new window. This quick form eliminates the need for separate quotation requests to each individual car insurance company. A single, simple form gets prices estimates from car insurance companies with the best prices.

A harder way to compare prices consists of visiting the website for each individual company and complete a new quote form. For example, we’ll pretend you want to compare rates from Allstate, Geico and GMAC. In order to compare rates, you need to take the time to go to each site and punch in your information repeatedly, and that explains why we recommend the first method. To view a list of companies in your area, click here.

The approach you take is up to you, just do your best to use nearly identical coverages for each quote you get. If you are comparing different liability limits it will be next to impossible to determine which rate is truly the best. Even a minor difference in insurance coverages or limits may result in large price differences. Just keep in mind that obtaining a wide range of quotes will increase your chances of finding the best rates.

Why you might not save $432 a year

Well-known auto insurance companies like Allstate and Progressive seem to constantly run ads in print and on television. All the companies make an identical promise of big savings if you get a free car insurance quote and switch your coverage. But how can every company say the same thing?

Most companies have underwriting criteria for the type of driver that will be a good risk. For example, this type of insured could possibly be a married male, has a clean driving record, and has a high credit rating. Someone who matches that profile will get low car insurance rates and is almost guaranteed to save money with a new company.

People who cannot meet the ideal profile will see a higher premium and this can result in the customer not buying. If you pay attention, the ads say “customers who switch” not “everyone that quotes” can get the lowest rates when switching. That is how companies can make those statements.

This really illustrates why drivers must do a quote comparison often. You cannot predict the company that will fit your personal profile best.

Take policy discounts and save

Car insurance is not cheap, but you might find some hidden discounts that you may not even be aware of. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be requested specifically before you get the savings. If you check and find you aren’t receiving every discount possible, you are just wasting money.

• Good Students Pay Less – A discount for being a good student may save you up to 25%. Earning this discount can benefit you well after school through age 25.
• Senior Citizen Discount – Mature drivers may receive a slight reduction on a car insurance quote for GTI insurance.
• Bundled Policy Discount – If you have multiple policies with the same insurance company you may save approximately 10% to 15%.
• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up may be able to save a few bucks off the personal injury premium cost.
• Data Collection Discounts – Policyholders that allow their company to look at when and where they use their vehicle by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if their driving habits are good.
• One Accident Forgiven – Not necessarily a discount, but companies like Geico, Progressive, and Allstate will let one accident slide without getting socked with a rate hike so long as you are claim-free prior to the accident.

You can save money using discounts, but some of the credits will not apply the the whole policy. Some only apply to individual premiums such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, that’s just not realistic.

A few of the larger companies and a summarized list of policyholder discounts are detailed below.

• State Farm has savings for student away at school, accident-free, multiple autos, Drive Safe & Save, and passive restraint.
• Liberty Mutual discounts include hybrid vehicle, new vehicle discount, teen driver discount, good student, and new move discount.
• American Family policyholders can earn discounts including defensive driver, early bird, air bags, accident-free, multi-vehicle, and mySafetyValet.
• Progressive may offer discounts for online quote discount, online signing, multi-vehicle, homeowner, good student, continuous coverage, and multi-policy.
• Farmers Insurance offers premium reductions for youthful driver, switch companies, distant student, early shopping, teen driver, good student, and homeowner.
• Auto-Owners Insurance offers discounts including air bags, paperless, safe vehicle, mature driver, teen driver, and company car.
• SAFECO includes discounts for drive less, teen safety rewards, teen safe driver, bundle discounts, accident prevention training, and homeowner.

Check with each company or agent which discounts you qualify for. A few discounts may not apply to policies in your area.

Which policy gives me the best coverage?

When buying the best insurance coverage coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. These are some specific questions could help you determine whether or not you would benefit from an agent’s advice.

• How much underlying liability do I need for an umbrella policy?
• Does my policy pay for OEM or aftermarket parts?
• Am I covered if I break a side mirror?
• Is extra glass coverage worth it?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Can I afford to buy a different vehicle if my 2013 Volkswagen GTI is totaled?
• Is my trailer covered?
• Am I covered if I drive in a foreign country?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance 101

Knowing the specifics of your policy aids in choosing the right coverages for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types available from insurance companies.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like damaging your car on a curb, scraping a guard rail, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Volkswagen GTI.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive (Other than Collision)

This pays for 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 coverage protects against claims like a tree branch falling on your vehicle, hail damage, damage from getting keyed, rock chips in glass and falling objects. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

Liability coverage will cover injuries or damage you cause to a person or their property. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like attorney fees, repair costs for stationary objects, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Medical expense insurance

Med pay and PIP coverage provide coverage for short-term medical expenses for funeral costs, dental work, surgery and X-ray expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Spend less. Save more.

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. Too many times, an insured cut comprehensive coverage or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy enough coverage at the lowest possible cost and still be able to protect your assets.

In this article, we covered a lot of tips how to reduce 2013 Volkswagen GTI insurance rates online. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding cheap car insurance. Consumers may even find the most savings is with an unexpected company. Some small companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as State Farm and Allstate.

For more information, feel free to visit these articles:

• Booster Seat Ratings (iihs.org)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)