How Much Does 2015 Volkswagen e-Golf Insurance Cost?

Having to pay for high-priced Volkswagen e-Golf insurance can drain your savings account and force you to make sacrifices. Doing a rate comparison can be a smart way to lower your monthly bill.

Insurance companies such as Geico, 21st Century and Progressive all promote huge savings with catchy ads and it is challenging if not impossible to ignore the propoganda and take the time to shop coverage around.

If you currently have a car insurance policy, you should be able to save some money using these methods. Choosing the best insurance company for you is not that difficult. Nevertheless, vehicle owners must know the methods companies use to determine prices and apply this information to your search.

Free insurance quotes

Most companies like Progressive, Geico, Allstate and State Farm give pricing on their websites. The process is quite simple because you just enter the amount of coverage you want into the form. After you submit the form their quoting system sends out for your credit score and driving record and generates pricing information based on these and other factors. Online quotes makes it easy to compare insurance prices but the work required to visit different websites and type in the same data is not the best way to spend an afternoon. Unfortunately, it is important to compare as many rates as possible if you are searching for the lowest insurance rates.

A more efficient way to get multiple rate quotes makes use of a single form that obtains quotes from multiple companies. The form is fast, eliminates repetitive work, and makes quoting online much more enjoyable. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any of the returned quotes.

If a lower price is quoted, you can simply submit the application and buy the policy. The entire process takes less than 15 minutes and may save quite a bit of money.

To quickly compare rates now, click here to open in a new tab and input your coverage information. If you currently have coverage, we recommend you replicate your coverages just like they are on your policy. This helps ensure you are getting an apples-to-apples comparison using the exact same coverages.

Is there truth in advertising?

Progressive, Geico, Allstate and State Farm regularly use television, radio, and online ads. They all seem to convey the message that drivers will save a bundle if you get a free car insurance quote and switch your auto insurance coverage to their company. How does each company say the same thing? Here is the trick they use.

Most companies have specific guidelines for the type of driver that will add to their bottom line. An example of a profitable insured may be married and over the age of 30, carries high limits, and does not commute to work. Any driver that fits those parameters will get very good car insurance rates and therefore will save when they switch companies.

Consumers who do not meet these criteria may receive a higher premium and this results in the prospect going elsewhere. The ads say “customers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. This is how insurance companies can claim big savings.

Because each company has a different risk profile, it’s extremely important to get as many free car insurance quotes as possible. It’s not possible to predict which company will have the best rates.

Use discounts to get cheaper car insurance rates

Insurance can be prohibitively expensive, but you might find some hidden discounts that could help you make your next renewal payment. Many discounts should be triggered at the time you complete a quote, but once in a while a discount must be manually applied before you get the savings. If you are not receiving all the discounts you qualify for, you’re just leaving money on the table.

• First Accident Forgiveness – Not really a discount, but a few companies such as Allstate, State Farm and Geico will forgive one accident before they charge you more for coverage with the catch being you have to be claim-free before the accident.
• Federal Government Employee – Active or former government employment can save as much as 8% on e-Golf insurance with a few car insurance companies.
• Pay Now and Pay Less – By making one initial payment instead of monthly or quarterly installments you can actually save on your bill.
• Theft Prevention System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and will qualify for a discount on a car insurance quote.
• College Student Discount – Children who live away from home to go to college and do not have access to a covered vehicle can be insured at a reduced rate.
• Paperwork-free – Many car insurance companies will provide an incentive for completing your application digitally online.
• Drivers Ed for Students – Teen drivers should complete a driver education course if it’s offered in school.
• Life Insurance Discount – Not all car insurance companies offer life insurance, but some may give you better premium rates if you take out life insurance from them.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive and will save you 10% or more.

A quick disclaimer, many deductions do not apply to your bottom line cost. The majority will only reduce individual premiums such as medical payments or collision. Despite the fact that it seems like you would end up receiving a 100% discount, you won’t be that lucky.

Larger car insurance companies and their possible discounts include:

• 21st Century offers discounts for defensive driver, air bags, good student, driver training, automatic seat belts, 55 and older, and anti-lock brakes.
• Progressive discounts include homeowner, online signing, multi-vehicle, multi-policy, good student, and continuous coverage.
• State Farm may offer discounts for safe vehicle, multiple policy, good student, defensive driving training, good driver, and multiple autos.
• Nationwide policyholders can earn discounts including multi-policy, easy pay, family plan, business or organization, and accident-free.
• Esurance may have discounts that include anti-theft, Switch & Save, renters, safety device, and paid-in-full.
• The Hartford has savings for vehicle fuel type, anti-theft, bundle, driver training, defensive driver, air bag, and good student.

When quoting, ask all the companies to give you their best rates. Discounts might not apply everywhere. If you would like to see a list of companies with the best car insurance discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage, there really is no “perfect” insurance plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

• Do I need replacement cost coverage on my 2015 Volkswagen e-Golf?
• Do I need roadside assistance coverage?
• Do I get a pro-rated refund if I cancel my policy early?
• Should I put collision coverage on all my vehicles?
• Should I buy additional glass protection?
• How do I buy GAP insurance?
• Does my personal policy cover me when driving out-of-state?
• Am I insured when driving a different vehicle?
• Am I covered when using my vehicle for business?
• Is motorclub coverage worth it?

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, complete this form or click here for a list of auto insurance companies in your area.

Car insurance 101

Learning about specific coverages of your insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types found on the average insurance policy.

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, a tree branch falling on your vehicle and rock chips in glass. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for liability

This will cover injuries or damage you cause to other’s property or people in an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like medical services, medical expenses, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Coverage for collisions

Collision coverage will pay to fix damage to your e-Golf from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sideswiping another vehicle, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for bills for things like prosthetic devices, hospital visits and doctor visits. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Better coverage you can count on

As you restructure your insurance plan, never buy poor coverage just to save money. Too many times, drivers have reduced uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. Your focus should be to get the best coverage possible for the lowest price but still have enough coverage for asset protection.

We’ve covered a lot of ways to save on 2015 Volkswagen e-Golf insurance. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding affordable car insurance. You may even find the biggest savings come from an unexpected company. Smaller companies may have significantly lower prices on certain market segments compared to the large companies like Allstate and Progressive.

For more information, feel free to browse the resources below:

• What to do at the Scene of an Accident (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)
• Where can I buy Insurance? (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)