2018 Volkswagen Golf GTI Insurance Quotes

Searching for lower insurance rates for your Volkswagen Golf GTI? Perplexed by the crazy number of insurance choices? drivers have such a vast assortment of choices available that it can turn into a real difficult job to find the best premium rates.

The quickest method we recommend to get rate comparisons is to understand most of the larger companies actually pay money for the chance to give you rate quotes. To start a quote, the only thing you need to do is give the companies some data such as types of safety features, if the vehicle is leased, your job, and how much you drive. That rating information is instantly submitted to multiple car insurance providers and you receive quotes within a short period of time.

Lower your insurance rates with discounts

Some providers don’t necessarily list the entire discount list very well, so the list below details a few of the more common and also the lesser-known ways to save on insurance.

  • Switch and Save Discount – A few insurance companies allow discounts for buying a policy prior to your current policy expiring. It can save you around 10%.
  • 55 and Retired – Seniors may qualify for better insurance rates for Golf GTI coverage.
  • College Student Discount – Children who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may qualify for this discount.
  • Driver’s Education for Students – Require your teen driver to take driver’s ed class if offered at their school.
  • More Vehicles More Savings – Purchasing coverage when you have multiple cars with one company can reduce rates for all insured vehicles.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle up before driving could save 15% off the PIP or medical payment premium.
  • Telematics Data – Drivers who agree to allow driving data collection to spy on driving manner through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if their driving habits are good.
  • Sign Online – A few insurance companies give back up to $50 simply for signing on the internet.
  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life policy as well.

Just know that most credits do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as collision or personal injury protection. Despite the fact that it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

Popular insurance companies and some of the premium reductions they offer can be found below.

  • Farmers Insurance includes discounts for multi-car, bundle discounts, pay in full, business and professional, alternative fuel, and distant student.
  • Esurance may include discounts for safety device, DriveSense, claim free, anti-lock brakes, and online shopper.
  • State Farm offers discounts for accident-free, anti-theft, student away at school, multiple policy, and good student.
  • GEICO has savings for multi-vehicle, good student, multi-policy, air bags, emergency military deployment, and five-year accident-free.
  • Allstate has discounts for passive restraint, senior citizen, teenSMART discount, premier plus, anti-theft, economy car, and safe driver.

When quoting, ask each insurance company which credits you are entitled to. Discounts might not be offered in every state. To choose insurance companies who offer cheap insurance quotes, click this link.

You are unique and your auto insurance should be too

When it comes to buying proper insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different.

For instance, these questions can help discover whether your personal situation might need professional guidance.

  • Will filing a claim cost me more?
  • What is high-risk coverage and where do I buy it?
  • Are rock chip repairs covered?
  • Do I need PIP coverage since I have good health insurance?
  • What if I owe more than I can insure my car for?
  • Can I afford to pay high deductible claims out of pocket?
  • What is roadside assistance coverage?
  • How much underlying liability do I need for an umbrella policy?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, complete this form.

Parts of your auto insurance policy

Having a good grasp of a auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like hitting a parking meter, scraping a guard rail, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive auto coverage – This covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like fire damage, a tree branch falling on your vehicle and hitting a bird. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like prosthetic devices, pain medications, rehabilitation expenses, surgery and X-ray expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Liability insurance – This protects you from damage that occurs to other’s property or people that is your fault. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as legal defense fees, loss of income, attorney fees and funeral expenses. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Golf GTI.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comments About 2018 Volkswagen Golf GTI Insurance

  1. Ray Page

    GEICO and State Farm had the best prices I found in Vermont.

  2. Fred Parrish

    Live in Springfield, MO. I quoted with Hartford, AAA, Mercury, and a couple others for my 2018 Volkswagen Golf GTI and saved about $390 a year. Hardly afford to drive anymore.

  3. Maurice Tran

    Where is cheaper car insurance? I’m in the west part of Hartford, Connecticut. Got quotes with Liberty Mutual, AAA, Nationwide, and a couple others for my Volkswagen and I’m now saving $59 a month. I have a couple other vehicles on the policy.