Online rate comparisons for inexpensive auto insurance can seem difficult if you are someone who has never done price quotes online. Don’t worry though because comparing rates is actually very simple.
Shopping for cheaper car insurance coverage is simple if you know the tricks. Just about every vehicle owner who buys car insurance should be able to cut their insurance bill. But drivers do need to understand the way insurance companies sell online and take advantage of how the system works.
There are several ways to compare rate quotes from different insurance companies. The easiest way by far to lower the rate you pay for Volkswagen Golf R insurance is to get quotes online. This can be accomplished in a couple of different ways.
Which method you use is up to you, but make sure you compare apples-to-apples quote data on every quote you get. If your comparisons have different data you will not be able to determine the best price for your Volkswagen Golf R. Quoting even small variations in limits may result in a large different in cost. And when comparing car insurance rates, know that comparing a wide range of rates will increase your chances of finding better pricing.
Car insurance companies don’t list every possible discount in an easy-to-find place, so here is a list both well-publicized as well as some of the hidden discounts that may be available.
Keep in mind that some credits don’t apply to the entire policy premium. A few only apply to specific coverage prices like comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, it’s just not the way it works.
Companies and their possible discounts include:
Check with every company which discounts you may be entitled to. All car insurance discounts might not apply in your area. If you would like to see a list of providers that offer some of these discounts, follow this link.
When it comes to buying coverage, there is no “perfect” insurance plan. Each situation is unique.
Here are some questions about coverages that might help in determining whether your personal situation might need professional guidance.
If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form.
Understanding the coverages of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.
Comprehensive (Other than Collision) – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as hail damage, hitting a deer, theft and vandalism. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Volkswagen Golf R.
Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits do not exceed the liability coverage limits.
Collision coverages – This will pay to fix damage to your Golf R caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things such as colliding with a tree, crashing into a building, damaging your car on a curb, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.
Liability – Liability coverage protects you from damage that occurs to people or other property. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.
Liability coverage protects against claims such as medical services, structural damage and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.
Medical expense insurance – Med pay and PIP coverage kick in for expenses like ambulance fees, pain medications, chiropractic care, EMT expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Corporate greed I’m telling you. I live in Salt Lake City, Utah. Don’t remember every company but I ended up saving about $50 each month. Can still barely afford it.
I’m just south of Mobile, AL. Quoted quotes with Amica, MetLife, and Western Auto Insurance for my Volkswagen and I think I saved around $70 each month. I’m a pretty good driver though. Wish I didn’t have to insure at all.
Like your site, BTW. I’m from Henderson, Nevada. Received rates from 21st Century, Esurance, and GMAC for my Golf R and I’m now saving $52 a month. BTW speeding tickets are not good.
Live in the western part of Hartford, CT. I don’t recall every quote but I ended up saving about $30 each month. I even had a DUI years ago. I recommend comparing lots of rates.
Cheap is relative. I live in Hartford, CT. I got free quotes with State Farm, Hartford, and Encompass for my Volkswagen and saved just over $530 a year. Insured with Erie before.
21st Century has the cheapest rates in Indiana. No comparison.
Lifelong resident of Portland, Maine. Got free quotes online for a 2016 Volkswagen Golf R. Ended up at about $370 savings annually. Went with Progressive. Was with Farmers. Switched homeowners coverage too. Not sure if rates are cheaper online or not.
I switched to Allstate. Quoted good rates in Jacksonville, Florida. I even had a DUI years ago.
I can’t pay high rates. Lifelong resident of Los Angeles, California. Checked online prices for a 2016 Volkswagen Golf R. Ended up at about $400 savings annually. Went with State Farm.
I live on the south side of Cranston, RI. Got quotes from AIG Insurance, Sentry, and some smaller one I can’t remember the name of for my 2016 Volkswagen Golf R and saved about $400 a year. Left GMAC to switch. Bought it from an online quote.
If you have a clean record and are close to Green Bay, Wisconsin, check out 21st Century. I saved quite a bit. Insured with The General before. It’s still not cheap enough.
Live in Gaithersburg, MD. Quoted a bunch of companies. Saved right around $20 a month. 21st Century was the best choice for me. I used their online quote form to compare rates.
I live in Louisville, KY. Compared rates from a lot of places. Saved right around $70 a month. State Farm was the cheapest for me. Was with GEICO. I just quoted rates online.
Live in the eastern part of Charlotte, North Carolina. Got rates from The General, AIG Insurance, Safeco, and a couple others for my Golf R and saved about $100 a year. BTW speeding tickets are not good.
I live on the south side of Saint Louis, MO. I got free rates from State Farm, AAA, and some I forget for my Golf R and saved $207 a year. Have a couple speeding tickets too. I used their website to get prices.