View 2016 Volkswagen e-Golf Insurance Rates

Are you kicking yourself for buying high-priced insurance? It’s a common feeling and many drivers have buyer’s remorse. With drivers having so many companies and agents to choose from, it’s nearly impossible to find the most affordable insurer.

It’s a great practice to compare premium rates at least once a year because prices change frequently. Despite the fact that you may have had the best rates on e-Golf coverage on your last policy you will most likely find a better rate quote today. There are lots of tips to save on insurance online but you can learn some excellent ideas to find cheap insurance.

Take policy discounts and save

Car insurance is expensive, but you may be missing some discounts that you may not know about. Certain credits will be shown when you get a quote, but some may not be applied and must be requested specifically prior to getting the savings.

  • Paperwork-free – Many car insurance companies will discount your bill up to fifty bucks for buying your policy on your computer.
  • Switch and Save Discount – A few car insurance companies give discounts for buying a new policy prior to the expiration date on your current policy. You could save around 10% when you buy insurance coverage online.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premium rates.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • 55 and Retired – Drivers over the age of 55 can possibly qualify for a small discount on rates on e-Golf coverage.
  • Homeowners Savings – Owning a home can get you a discount since owning and maintaining a home shows financial diligence.
  • Discount for Good Grades – A discount for being a good student may save you up to 25%. This discount can apply up until you turn 25.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently so companies will give you a small discount.

It’s important to note that many deductions do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like you could get a free car insurance policy, it just doesn’t work that way.

A few popular companies and their offered discounts can be found below.

  • Progressive offers discounts for online quote discount, continuous coverage, multi-policy, online signing, homeowner, multi-vehicle, and good student.
  • GEICO has savings for daytime running lights, multi-vehicle, anti-lock brakes, seat belt use, emergency military deployment, and multi-policy.
  • State Farm discounts include accident-free, multiple autos, safe vehicle, defensive driving training, and Steer Clear safe driver discount.
  • Esurance offers discounts including multi-car, paid-in-full, homeowner, safety device, and emergency road assistance.
  • The Hartford may offer discounts for air bag, vehicle fuel type, bundle, anti-theft, and defensive driver.

If you need low cost insurance coverage quotes, ask each company the best way to save money. Some discounts may not apply to policyholders in your state.

How to buy car insurance online

Finding a lower price on 2016 Volkswagen e-Golf insurance can be surprisingly simple. The only requirement is to spend a few minutes to compare rate quotes provided by online insurance companies. Insurance prices can be quoted using one of these methods.

  • The easiest and least time consuming way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This type of form saves time by eliminating a different quote for every car insurance company. Filling out one form will get you rate comparisons from all major companies.
  • A different way to compare rate quotes is going to the website for each individual company and request a quote. For instance, we’ll pretend you want to compare rates from Farmers, State Farm and Progressive. In order to compare rates, you need to navigate to each company’s site and repeatedly enter your information, which can get old fast.

    For a handy list of car insurance company links in your area, click here.

  • Even if you have time, the least recommended way to compare rates is making phone calls or going to insurance agencies in your area. Shopping for car insurance online has reduced the need for local agents unless your situation requires the peace of mind that can only be provided by a licensed insurance agent. Drivers can find lower rates online but have a local agent actually write the policy.

However you get your quotes, try to use the same quote data on every quote. If you compare higher or lower deductibles it will be very difficult to make an equal comparison.

Which policy gives me the best coverage?

When choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique so this has to be addressed. For example, these questions could help you determine whether you will benefit from professional help.

  • Am I covered if I break a side mirror?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I get collision insurance on every vehicle?
  • Does insurance cover tools stolen from my truck?
  • What is covered by UM/UIM coverage?
  • Does coverage extend to a rental car in a foreign country?
  • How much liability coverage do I need in my state?
  • Am I covered when delivering products for my home-based business?
  • Am I better off with higher deductibles on my 2016 Volkswagen e-Golf?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages explained

Knowing the specifics of car insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages found on the average car insurance policy.

Comprehensive coverages

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as theft, hitting a deer, damage from flooding and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Volkswagen e-Golf.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Auto liability insurance

This coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like medical expenses, court costs, medical services, pain and suffering and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision insurance

Collision coverage will pay to fix damage to your e-Golf resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as driving through your garage door, hitting a mailbox, colliding with another moving vehicle, colliding with a tree and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for ambulance fees, rehabilitation expenses, doctor visits, funeral costs and hospital visits. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

In the end, you save

When you buy insurance coverage online, don’t be tempted to skimp on critical coverages to save a buck or two. In many cases, an insured cut full coverage and found out when filing a claim that they should have had better coverage. Your goal is to purchase plenty of coverage at the best cost, but don’t skip important coverages to save money.

Lower-priced car insurance is definitely available on the web and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some car insurance companies don’t offer online price quotes and most of the time these regional insurance providers prefer to sell through local independent agencies.

You just learned many ways to reduce 2016 Volkswagen e-Golf insurance rates online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a company that doesn’t do a lot of advertising. These companies may have significantly lower auto insurance rates on certain market segments compared to the large companies like Progressive or GEICO.

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Comments About 2016 Volkswagen e-Golf Insurance

  1. Dagny Larson

    Enjoyed the article. Located in Chicago, IL. I don’t recall every quote but I ended up saving about $60 each month. Bought it from an online quote.

  2. Idella Blackwell

    I compared a lot of rate quotes for a 2016 Volkswagen e-Golf in Gulfport, MS. Ended up at about $200 every six months with AIG Insurance. I increased coverages a little too.

  3. Angeles Woodard

    Thought I’d throw in my experience. I live north of Tampa, FL. Received rates from GEICO, Farmers, and GMAC for my 2016 Volkswagen e-Golf and I think I cut my rates about $50 each month. Insured with Travelers before. I just quoted rates online.

  4. Lester Rodriguez

    If you have a clean record and live near Atlanta, GA, check out Allstate. They seem to be cheaper. Was with Nationwide. They offer free online rate quotes.

  5. Merideth Small

    Does State Farm insure at replacement cost?

  6. Reyna Rodriquez

    I got decent rates for a 2016 Volkswagen e-Golf in Providence, RI. Ended up at roughly $190 every six months with Amica. I increased coverages a little too.

  7. Samuel Vance

    I found pretty cheap rate quotes for a 2016 Volkswagen e-Golf in Charleston, WV. Ended up at roughly $180 every six months with Amica. I have several vehicles insured with them.

  8. Ronni Franklin

    Good site, thanks. I live on the east side of Mesa, AZ. I got free rates from 21st Century, American Family, and some I forget for my 2016 Volkswagen e-Golf and I’m now saving $53 a month. I’m a pretty low risk driver.

  9. Danelle Chambers

    It’s all a rip off. Located in Tulsa, Oklahoma. I quoted with Progressive, Esurance, and Hartford for my e-Golf and I think I saved around $70 each month. Insured with 21st Century before.

  10. Tresa Kramer

    Does Progressive offer multi-policy discounts?

  11. Raymon Baldwin

    Liked the article. Quoted with 21st Century for my 2016 Volkswagen e-Golf and saved around $200 a year.

  12. Brent Fox

    Any 21st Century or Eastwood customers near Houston, TX?