2017 Volkswagen e-Golf Car Insurance Quotes

Shoppers have options when shopping for low-cost Volkswagen e-Golf insurance. They can either spend hours contacting agents to get rate comparisons or leverage the internet to find the lowest rates.

There are both good and bad ways to buy insurance coverage and we’ll show you the quickest way to quote coverages for your Volkswagen and get the lowest price either online or from local insurance agents.

It’s a great practice to get comparison quotes every six months because insurance coverage prices trend upward over time. If you had the best deal for e-Golf insurance a year ago you will most likely find a better rate quote today. Don’t believe everything you read about insurance coverage on the internet, but in just a couple of minutes you can learn the best ways to find affordable insurance coverage.

If you have a current car insurance policy or are looking for a new policy, you can use this information to get lower rates while maintaining coverages. This article will let you in on the most effective way to quote insurance and some tricks to saving. Vehicle owners just need to understand the proper way to compare prices over the internet.

Get lower rates by getting discounts

Companies offering auto insurance don’t always advertise their entire list of discounts very clearly, so the list below contains some of the best known and also the lesser-known discounts that you can inquire about if you buy insurance coverage online.

• More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
• Employee of Federal Government – Employees or retirees of the government could qualify for a slight premium decrease for e-Golf insurance with certain companies.
• Driver Education Discount – Have your child successfully complete driver’s ed class in school.
• Auto/Life Discount – Some insurance companies give a discount if you purchase a life insurance policy as well.
• ABS Braking Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
• Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
• College Student – who are enrolled in higher education away from home and do not take a car to college can receive lower rates.
• Anti-theft System – Cars with anti-theft systems have a lower chance of being stolen and will qualify for a discount on a insurance coverage quote.
• Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off the PIP or medical payment premium.

Policy discounts save money, but some credits don’t apply the the whole policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

If you would like to see a list of insurance companies who offer insurance discounts, click this link.

Ways to get car insurance quotes

All the larger car insurance companies such as 21st Century, Allstate and State Farm make it easy to get prices directly from their websites. The process can be done by anyone as all you need to do is type in your coverage preferences as requested by the quote form. Once you submit the form, their rating system will obtain your driving and credit reports and provides a quote.

Online price quotes makes it simple to compare prices but the work required to visit different websites and type in the same information is repetitive and time-consuming. But it’s very important to perform this step if you want to find the lowest possible prices on car insurance.

The smarter way to find lower prices requires only one form that analyzes rates from more than one company. It saves time, eliminates repetitive work, and makes online price comparison much easier to do. Once the form is submitted, it is rated and you can choose any of the quote results.

If a lower price is quoted, you can click and sign and buy the policy. It can be completed in a matter of minutes and could lower your rates considerably.

If you want to get comparison pricing now, click here and complete the simple form. If you have a policy now, it’s recommended you complete the form with identical to your current policy. This helps ensure you will have comparison quotes based on the exact same insurance coverage.

Your auto insurance coverage should be tailored to you

When choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions can help discover if your situation would benefit from professional advice.

• Do I need replacement cost coverage?
• Am I covered if I drive in a foreign country?
• Should I drop comprehensive coverage on older vehicles?
• Do I need motorclub coverage?
• Why am I required to get a high-risk car insurance policy?
• When can I cancel my policy?
• Does liability extend to a camper or trailer?
• Is my trailer covered?
• Should I rate my 2017 Volkswagen e-Golf as pleasure use or commute?
• Where can I get insurance after a DUI in my state?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage considerations

Knowing the specifics of your car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Car insurance terms can be confusing and reading a policy is terribly boring.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for short-term medical expenses such as prosthetic devices, chiropractic care and doctor visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive car insurance – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, vandalism, damage from flooding and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages – Liability coverage protects you from injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people. Liability 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 commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like repair bills for other people’s vehicles, funeral expenses, bail bonds, medical services and pain and suffering. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Volkswagen e-Golf.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. 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.

Collision coverage – This pays for damage to your e-Golf caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a ditch, rolling your car, sideswiping another vehicle, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

In the end, you save

In this article, we covered some good ideas how you can reduce 2017 Volkswagen e-Golf insurance rates online. The key concept to understand is the more you quote insurance coverage, the more likely it is that you will get a better rate. Consumers could even find that the best rates are with the least-expected company.

More affordable auto insurance can be found from both online companies and from local insurance agents, and you need to comparison shop both to have the best selection. There are still a few companies who don’t offer online rate quotes and these regional insurance providers only sell through local independent agencies.

As you go through the steps to switch your coverage, never reduce needed coverages to save money. There have been many situations where drivers have reduced uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to buy the best coverage you can find at the best cost while not skimping on critical coverages.

For more information, take a look at these articles:

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Speed and Speed Limit FAQ (iihs.org)
• Red Light Cameras (State Farm)
• How do I File a Claim? (Insurance Information Insitute)