View 2016 Volkswagen Golf GTI Car Insurance Rates

Trying to find cheaper insurance rates? Buyers have a choice when searching for low-cost Volkswagen Golf GTI insurance. You can either waste hours calling around getting price quotes or use the internet to get rate quotes.

There is a better way to find insurance online so we’re going to tell you the proper way to quote coverages for a Volkswagen and find the cheapest rates from local insurance agents and online providers.

This article will instruct you on the best way to quote coverages and some money-saving tips. If you have car insurance now, you will be able to save some money using these methods. Drivers only need to know the most efficient way to find the lowest price over the internet.

Low cost insurance quotes

Finding a better price on insurance isn’t really that difficult. All you need to do is take a few minutes to get quotes online from several insurance companies. Insurance prices can be quoted using a couple different methods.

The recommended way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This type of form eliminates the need for boring form submissions for each company you want a rate for. Taking the time to complete one form gets insurance cost estimates instantly.It’s the quickest way to get rates.

A different way to analyze rates consists of going to each individual company website and fill out a new quote form. For example, let’s assume you want to compare Auto-Owners, Liberty Mutual and State Farm. To do that, you would have to go to every website to enter your coverage information, which is why first method is reommended. For a list of links to companies insuring cars in your area, click here.

However you get your quotes, try to use equivalent quote data with every price quote. If you are comparing mixed coverages you will not be able to determine which rate is truly the best.

Informed consumers can reduce their insurance prices

Lots of things are part of the calculation when you get your auto insurance bill. Some are obvious like a motor vehicle report, but other criteria are more transparent like where you live and annual miles driven.

• Premiums increase with driving tickets – Getting just one ticket can increase rates by as much as thirty percent. Good drivers pay lower auto insurance prices than their less careful counterparts. Drivers unfortunate enough to have dangerous tickets such as hit and run, DWI or reckless driving convictions may find that they have to to prove financial responsibility with their state’s department of motor vehicles in order to prevent a license revocation.
• Gender and insurance coverage costs – Statistics demonstrate that men are more aggressive behind the wheel. It does not mean men are WORSE drivers than women. Males and females have auto accidents at a similar rate, but men tend to have more serious accidents. Not only are claims higher, but men get higher numbers of serious violations such as DWI and reckless driving.
• Being married can save on auto insurance – Walking down the aisle may save some money when shopping for auto insurance. Having a significant other is viewed as being less irresponsible and insurance companies reward insureds because being married results in fewer claims.
• Costs increase with policy add-ons – Insurance companies have many add-on coverages that sound like a good idea at the time when buying auto insurance. Coverages for rental car reimbursement, death and dismemberment, and extra equipment coverage may not be needed and are just wasting money. These may sound like a good investment when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
• Better auto insurance rates on vehicles with better crash test results – Safe vehicles can get you lower premiums. Vehicles engineered for safety reduce injuries and lower rates of occupant injuries means less claims paid and cheaper rates on your policy. If the Volkswagen Golf GTI has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
• Always have auto insurance – Going without insurance is a guaranteed way to drive up your policy premiums. Not only will rates go up, getting caught without coverage may result in a steep fine or even jail time. You may then have to file a SR-22 with your state motor vehicle department.
• High coverage deductibles equal low rates – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Volkswagen. Some examples of covered claims would be colliding with a building, hitting a deer, and having your car stolen. Physical damage deductibles are how much you are willing to pay in the event of a claim. The more of the claim you choose to pay out-of-pocket, the lower your rates will be on Golf GTI coverage.

Save a ton by getting discounts

Some insurers don’t list every discount in an easy-to-find place, so here is a list some of the more common as well as the least known credits available to lower your premiums when you buy auto insurance online. If you are not receiving all the discounts you deserve, you’re just leaving money on the table.

• Low Mileage – Keeping the miles down on your Volkswagen could earn lower prices due to less chance of an accident.
• Own a Home – Simply owning a home can save a few bucks because owning a home is proof of financial responsibility.
• Pay Upfront and Save – If you can afford to pay the entire bill instead of making monthly payments you can avoid the installment charge.
• Good Student Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. Most companies allow this discount up to age 25.
• Paper-free Discount – A few larger online companies will provide an incentive simply for signing online.
• Senior Discount – Seniors are able to get lower premium rates on Golf GTI coverage.
• Discount for Passive Restraints – Options like air bags could see savings as much as 30%.
• Multiple Cars – Drivers who insure all your vehicles with the same insurance coverage company qualifies for this discount.

Don’t be surprised that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like comprehensive or collision. Just because it seems like you could get a free insurance coverage policy, company stockholders wouldn’t be very happy.

A list of insurance coverage companies and some of their more popular discounts include:

• 21st Century offers discounts including automatic seat belts, homeowners, theft prevention, defensive driver, and early bird.
• Progressive discounts include online quote discount, online signing, continuous coverage, multi-vehicle, homeowner, and good student.
• State Farm may have discounts that include driver’s education, anti-theft, Drive Safe & Save, good student, and safe vehicle.
• Nationwide includes discounts for family plan, easy pay, accident-free, anti-theft, Farm Bureau membership, and defensive driving.
• Esurance has discounts for homeowner, Pac-12 alumni, anti-theft, multi-policy, and online shopper.
• The Hartford offers premium reductions for bundle, driver training, good student, vehicle fuel type, defensive driver, air bag, and anti-theft.

If you need cheaper auto insurance quotes, ask each insurance company which discounts you may be entitled to. Depending on the company, some discounts might not be offered in your state. To find providers that offer discounts, click here.

Your auto insurance coverage should be tailored to you

When choosing the best auto insurance coverage for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different.

For example, these questions can aid in determining whether you would benefit from professional advice.

• Does my insurance cover a custom paint job?
• How high should my uninsured/underinsured coverage be in my state?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Are my tools covered if they get stolen from my vehicle?
• Do I need to file an SR-22 for a DUI in my state?
• Should I carry comprehensive and collision coverage?
• Do all my vehicles need collision coverage?
• Does my personal policy cover me when driving out-of-state?
• Am I better off with higher deductibles on my 2016 Volkswagen Golf GTI?
• Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Insurance coverage breakdown

Knowing the specifics of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision coverage protection

This coverage pays for damage to your Golf GTI caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as damaging your car on a curb, driving through your garage door, rolling your car and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Golf GTI.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Liability coverages

This protects you from damages or injuries you inflict on other’s property or people. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers claims like medical services, repair costs for stationary objects and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for pain medications, dental work and surgery. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, hitting a deer, vandalism, damage from a tornado or hurricane and hitting a bird. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Shop around and save

Budget-friendly insurance can be sourced from both online companies as well as from independent agents, so you need to shop auto insurance with both to have the best rate selection. Some insurance providers may not have rates over the internet and most of the time these smaller providers sell through local independent agencies.

You just read some good ideas how to lower your 2016 Volkswagen Golf GTI insurance premium rates. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding the cheapest auto insurance. Consumers could even find that the biggest savings come from an unexpected company.

As you quote auto insurance, never buy less coverage just to save a little money. There have been many situations where someone sacrificed liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal is to get the best coverage possible at the best cost, but don’t skip important coverages to save money.

Much more information about insurance can be found below:

• Alcohol Impaired Driving FAQ (iihs.org)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• Vehicle Safety Ratings (iihs.org)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)