View 2014 Volkswagen GTI Insurance Rates

Trying to find cheaper insurance for a Volkswagen GTI can turn out to be a lot of work, but you can follow these tips to find lower rates.

There is a right way and a wrong way to compare insurance rates and you need to know the quickest way to quote coverages for a Volkswagen and obtain the lowest price.

If you have a policy now or need new coverage, you can follow these tips to find the best rates while maintaining coverages. Buying the cheapest auto insurance is easy if you know what you’re doing. Drivers only need to know the most effective way to shop online.

How to buy car insurance

All the larger car insurance companies make it easy to get price estimates on their websites. Getting online quotes is pretty easy as all you need to do is type in the coverage amounts you desire on the page. After the form is submitted, the system gets information on your driving record and credit history and returns pricing information based on these factors.

Being able to quote online streamlines rate comparisons, but the process of having to visit several different sites and complete many quote forms is a big time waster. But it is imperative to do this in order to find the best price possible.

Rate comparisons made easy

A quicker way to lower your car insurance bill utilizes a single form that analyzes rates from several different companies. This type of form saves time, eliminates repetitive work, and makes price shopping online much more enjoyable. After sending the form, your coverage is rated and you can select any of the price quotes you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. It only takes a few minutes and you’ll know if lower rates are available.

To compare rates using this form now, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you complete the form with the coverages as close as possible to your current policy. This way, you’re receiving a price comparison based on identical coverages.

These discounts can lower insurance coverage rates

Companies that sell car insurance don’t always advertise every discount they offer very well, so the list below details a few of the more common and also the lesser-known credits that may apply to you. If you check and find you aren’t receiving every discount you qualify for, you could be saving more on your insurance coverage.

  • Multiple Policy Discount – If you insure your home and vehicles and insure them with the same company you could get a discount of at least 10% off all policies.
  • E-sign Discounts</strong – Certain companies give back up to $50 simply for signing on the internet.
  • Low Mileage – Driving less can earn lower prices due to less chance of an accident.
  • Telematics Data – Drivers who agree to allow data collection to scrutinize their driving habits by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they are good drivers.
  • New Car Discount – Insuring a new car can save you some money compared to insuring an older model.
  • Senior Citizen Discount – Drivers that qualify as senior citizens may receive a small discount on rates for GTI coverage.
  • More Vehicles More Savings – Purchasing coverage when you have all your vehicles on one policy may reduce the rate for each vehicle.
  • Homeowners Discount – Owning a house can earn you a little savings because owning a home means you have a higher level of financial diligence.

It’s important to note that many deductions do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck.

To choose insurance coverage companies who offer cheap insurance coverage quotes, follow this link.

When do I need an agent’s advice?

When buying adequate coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that could help you determine whether your personal situation could use an agent’s help.

  • Does my 2014 Volkswagen GTI need full coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does coverage extend to Mexico or Canada?
  • What is the ISO rating for a 2014 Volkswagen GTI?
  • Does insurance cover tools stolen from my truck?
  • Does coverage extend to a rental car in a foreign country?
  • Is motorclub coverage worth it?
  • Is my teenager covered with friends in the car?
  • Am I covered when driving on a suspended license?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Eight factors that impact insurance rates

One of the most helpful ways to save on car insurance is to to have a grasp of a few of the rating criteria that play a part in calculating your policy premiums. If you have a feel for what influences your rates, this enables informed choices that can earn you better car insurance rates. Lots of factors are part of the equation when you get your auto insurance bill. Some factors are common sense like an MVR report, although some other factors are not as apparent like where you live and annual miles driven.

  • Use credit responsibly and save – Your credit score is a large factor in determining what you pay. If your credit history is not that good, you could save money insuring your 2014 Volkswagen GTI if you clean up your credit. Consumers who have good credit tend to file fewer claims than drivers with worse credit.
  • Small coverages can add up – Policies have extra add-on coverages that may not really be needed if you aren’t careful. Insurance for roadside assistance, accident forgiveness, and additional equipment coverage may be costing you every month. They may seem like a good idea when talking to your agent, but if you don’t need them get rid of them and save.
  • Does auto insurance cost less for women? – Statistics show that men are more aggressive behind the wheel. However, this does not mean females are better at driving than males. Men and women tend to get into accidents at a similar rate, but the male of the species cause more damage. Men also statistically have more aggressive citations like DWI (DUI) or reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Discounts for married couples – Your spouse helps lower the price on your car insurance policy. Marriage usually means you are less irresponsible it has been statistically shown that drivers who are married are more cautious.
  • Long commutes cost more – The more miles you rack up on your Volkswagen every year the more you’ll pay to insure your vehicle. Most companies apply a rate based upon how you use the vehicle. Cars that sit idle most of the time cost less to insure than vehicles that are driven to work every day. It’s a good idea to make sure your policy is showing annual mileage. An incorrectly rated GTI can result in significantly higher rates.
  • Maintain car insurance coverage – Going without insurance is a fast way to trigger a rate increase. And not only will your rates increase, being ticketed for driving with no insurance will get you a fine, jail time, or a revoked license.
  • Vehicles with better crash test results cost less to insure – Cars with five star safety ratings tend to be cheaper to insure. Highly rated vehicles reduce occupant injuries and any reduction in injury severity means less money paid by your insurance company and cheaper rates on your policy.
  • Multi-policy discounts can save money – Lots of insurers will give lower prices to clients who carry more than one policy, otherwise known as a multi-policy discount. The discount can add up to 10 percent or more. Even with this discount, it’s always a smart idea to comparison shop to help guarantee you have the best rates. You may still be able to find a better deal even if you have your coverage with different companies

Big brands don’t always mean big savings

Drivers can’t get away from all the ads for auto insurance savings by companies like 21st Century, Allstate and State Farm. They all convey the message about savings if you get a free insurance quote and switch your coverage to them.

How can each company charge less that you’re paying now? Here is the trick they use.

Auto insurance companies have specific criteria for the type of driver that makes them money. For example, a desirable insured might be described as over the age of 45, has a clear driving record, and drives less than 10,000 miles a year. A propective insured who fits that profile will qualify for the lowest rates and as a result will probably cut their rates if they switch.

Potential insureds who do not meet the ideal profile may be required to pay higher premiums and this results in the customer not purchasing. The trick is to say “drivers that switch” not “everyone who quotes” save that much money. That is how companies can truthfully make the claims of big savings.

This illustrates why it’s extremely important to get a wide range of price quotes. It is impossible to predict which insurance companies will have the lowest rates.

Detailed coverages of your insurance policy

Understanding the coverages of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, driving through your garage door, hitting a mailbox, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a bird, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Volkswagen GTI.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for ambulance fees, rehabilitation expenses and funeral costs. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – Liability coverage protects you from damages or injuries you inflict on other people or property that is your fault. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as attorney fees, pain and suffering and loss of income. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

At the end of the day…

In this article, we presented a lot of techniques to save on 2014 Volkswagen GTI insurance. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest priced auto insurance comes from the least-expected company.

People switch companies for a variety of reasons including delays in paying claims, high rates after DUI convictions, denial of a claim and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding the right auto insurance provider is actually quite simple.

Affordable 2014 Volkswagen GTI insurance is available both online and from local insurance agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who don’t offer online price quotes and many times these smaller companies sell through independent agencies.

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Comments About 2014 Volkswagen GTI Insurance

  1. Bertram Waters

    Got pretty cheap 2014 Volkswagen GTI insurance from Progressive in Minneapolis, MN.

  2. Valorie Leach

    Like your site, BTW. I’m in the suburbs of Dallas, TX. Quoted rates from Progressive, The General, and Encompass for my 2014 Volkswagen GTI and I’m now saving $28 a month. Was with AAA. Even increased my liability limits.

  3. Bennie Fischer

    Great site. Lifelong resident of Tampa, FL. Received prices from 21st Century, Auto-Owners, Erie, and GMAC for my GTI and saved just over $230 a year.

  4. Reuben Hess

    From south side of Albuquerque, New Mexico. Received quotes with AAA, MetLife, and Western Auto Insurance for my GTI and saved about $160 a year. LOL

  5. Ross Williamson

    I’ve insured with 21st Century for a long time. Pretty cheap in Rockford, Illinois.

  6. Maybell Stanley

    Will State Farm be cheaper if I raise deductibles?

  7. Noriko Frazier

    If you’re a decent driver and are close to Nashville, TN, check out Progressive. They seem to be cheaper. BTW speeding tickets are not good. You can get a rate quote online.

  8. Terrilyn Vasquez

    Cheap is not always the best policy. I live on the north side of San Antonio, TX. Compared rates from a lot of places. Saved right around $40 a month. GEICO was the best choice for me. Left Sentry to switch. Moved home policy as well.

  9. Lou Wilcox

    Proud to be from Concord, NH. Can’t remember who all I quoted but I ended up saving about $40 each month. Was with MetLife.

  10. Stephani Jenkins

    I’ve had 21st Century for years. I’m in Baltimore, MD.

  11. Mara Lindsey

    Any claims experience with Progressive in Biloxi, MS?

  12. Bailey Noel

    IT’S ALL TOO EXPENSIVE! Live in Grand Rapids, Michigan. Compared rates from a lot of places. Saved right around $60 a month. Progressive was the cheapest option for me. Thankfully I’m not a high risk driver.