Save on 2017 Volkswagen Golf R Insurance Rates

Looking for the cheapest auto insurance rates for your Volkswagen Golf R? Tired of not being able to afford to keep your car insured? You’re in the same situation as the majority of other drivers. Drivers have many insurers to purchase coverage from, and although it’s a good thing to have multiple companies, too many choices makes it more difficult to find the best rates for your vehicles.

It’s a great practice to shop coverage around as often as possible because auto insurance prices tend to go up over time. If you had the best deal for Golf R insurance a couple years back other companies may now be cheaper. Forget all the misinformation about auto insurance because I’m going to teach you the things you must know in order to properly buy coverages and cut your premium.

Take policy discounts and save

Not many people think insurance is cheap, but you may qualify for discounts that you may not even be aware of. Some discounts will apply when you complete an application, but some must be specially asked for in order for you to get them.

• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen so companies will give you a small discount.
• Pay Now and Pay Less – If paying your policy premium upfront as opposed to paying monthly you could save 5% or more.
• Telematics Discount – Drivers who elect to allow companies to track driving manner by using a small device installed in their vehicle such as Progressive’s Snapshot could see a rate decrease if they exhibit good driving behavior.
• Safety Course Discount – Taking a driver safety course could save 5% or more depending on where you live.
• Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts could see savings of 25 to 30%.

Please keep in mind that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

To locate auto insurance companies with the best auto insurance discounts, click here.

How to buy insurance coverage

Reducing your 2017 Volkswagen Golf R insurance rates can be quick and easy. All you need to do is invest a little time getting comparison quotes from some recommended companies. Comparing prices online can be done in just a few minutes using one of these methods.

1. The first (and easiest) way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This method saves time by eliminating separate forms for every insurance coverage company. Taking the time to complete one form gets coverage cost estimates from multiple low-cost companies.
2. A different way to find better pricing consists of going to each individual company website to complete a price quote. For instance, we’ll pretend you want to compare prices for Farmers, Progressive and Travelers. To get each rate you have to take the time to go to each site and enter your information, which explains why we recommend starting with the first method.

   For a list of links to insurance companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but double check that you are using equivalent information for each comparison quote. If you are comparing different values for each quote you will not be able to determine which rate is truly the best.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different so this has to be addressed. These are some specific questions might help in determining if you could use an agent’s help.

• Do I pay less if my vehicle is kept in my garage?
• Am I covered when pulling a rental trailer?
• Does car insurance cover theft of personal property?
• When should I drop full coverage on my 2017 Volkswagen Golf R?
• When can my company non-renew my policy?
• Am I getting all the discounts available?
• Do I need rental car coverage?
• Is my camper covered by my car insurance policy?

If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, free and can help protect your family.

Auto insurance coverage options for a Volkswagen Golf R

Knowing the specifics of a auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types available from auto insurance companies.

Collision – This coverage pays for damage to your Golf R resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability auto insurance – Liability coverage provides protection from damages or injuries you inflict on a person or their property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like medical services, emergency aid, attorney fees, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like rehabilitation expenses, EMT expenses, hospital visits and ambulance fees. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, hail damage, a broken windshield and a tree branch falling on your vehicle. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Take this to the bank

When you buy auto insurance online, never reduce coverage to reduce premium. There have been many situations where an insured dropped full coverage and discovered at claim time that it was a big error on their part. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.

Budget-conscious 2017 Volkswagen Golf R insurance can be found online as well as from insurance agents, so you should compare both in order to have the best price selection to choose from. A few companies may not have online rate quotes and these small, regional companies only sell through independent insurance agents.

More information

• Collision Insurance Coverage (Nationwide)
• Auto Theft Statistics (Insurance Information Insitute)
• How to Avoid Common Accidents (State Farm)
• Auto Insurance FAQ (Farmers Insurance)
• Anti-Lock Brake FAQ (iihs.org)