Cheaper 2009 Volkswagen GTI Car Insurance Rates

Looking for cheaper auto insurance rates for your Volkswagen GTI? Online rate comparisons for cheap car insurance can seem complicated if you are one of the millions of people new to online price quotes. But don’t be intimidated because it’s actually quite easy.

It’s smart to shop coverage around before your next renewal because prices trend upward over time. Despite the fact that you may have had the lowest quotes on GTI insurance at your last renewal there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because you’re going to learn the right way to reduce your cost while increasing coverage.

Do you qualify for discount car insurance?

Companies offering auto insurance don’t always list every available discount in an easy-to-find place, so the following list contains a few of the more common as well as some of the hidden car insurance savings. If you aren’t receiving every discount possible, you could be saving more on your car insurance.

• Multiple Vehicles – Buying insurance for more than one vehicle with the same company could earn a price break for each car.
• Multiple Policy Discount – When you combine your homeowners and auto insurance with the same company you could save approximately 10% to 15%.
• No Charge for an Accident – Not necessarily a discount, but some companies like Geico and Allstate will turn a blind eye to one accident before they charge you more for coverage so long as you are claim-free for a set time period.
• Club Memberships – Participating in qualifying clubs or civic groups could earn you a nice discount on your policy.
• ABS Braking Discount – Cars, trucks, and SUVs equipped with ABS or steering control can avoid accidents and will save you 10% or more.
• Defensive Driver Discount – Taking a safe driver course is a good idea and can lower rates and make you a better driver.
• Senior Citizens – Drivers that qualify as senior citizens may be able to get a discount up to 10% on GTI insurance.

A quick disclaimer, most discount credits are not given to the entire cost. Most cut individual premiums such as comp or med pay. So even though it sounds like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Auto insurance companies who may offer many of the previously listed discounts may include but are not limited to:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

It’s a good idea to ask each company to give you their best rates. All car insurance discounts may not be offered in your area.

The easiest way to compare policy rates is to take advantage of the fact almost all companies have advanced systems to give free rates quotes. The one thing you need to do is provide a small amount of information like what you do for a living, an estimate of your credit level, whether your vehicle is owned or leased, and any included safety features. The rating information gets transmitted to many highly-rated insurers and they provide comparison quotes within a short period of time.

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Why you might pay lower rates

One of the most helpful ways to save on insurance coverage is to to have a grasp of the rating factors that help calculate your insurance coverage rates. If you know what positively or negatively impacts your premiums, this enables you to make decisions that could help you find better insurance coverage rates.

• Drive less and pay lower prices – The higher the miles on your Volkswagen in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles not used for work or commuting get more affordable rates than those used for commuting. Make sure your vehicle rating is showing how each vehicle is driven, because it can save money. An incorrectly rated GTI is throwing money out the window.
• Liability protection – The liability coverage on your policy will protect you in the event that you are found to be at fault for damages caused by your negligence. Your liability coverage provides legal defense up to the limits shown on your policy. Liability insurance is pretty cheap as compared to coverage for physical damage, so drivers should carry high limits.
• Pay more if you have a long commute – Residing in a rural area may provide you with better prices when insuring your vehicles. People in densly populated areas tend to have traffic congestion and more time behind the wheel. Fewer drivers on the road means reduced accidents in addition to fewer liability claims.
• Is insurance coverage cheaper for females or males? – Over time, data shows females are less aggressive when driving. It does not mean females are better at driving than males. Men and women get in accidents in similar numbers, but the men tend to have higher claims. Not only that, but men also get more serious tickets such as DWI and reckless driving.
• Never let your policy lapse – Going without insurance is a quick way to trigger a rate increase. Not only will rates go up, not being able to provide proof of insurance may earn you a fine, jail time, or a revoked license. You may need to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
• Do you know your comp and collision deductibles? – Insurance for physical damage to your car, also called ‘full coverage’, is used to repair damage to your Volkswagen. Examples of covered claims are a broken windshield, flood damage, and damage from a fallen tree branch. The deductibles represent how much money you are willing to pay in the event of a claim. The more expense the insured is willing to pay, the bigger discount you will receive on GTI insurance.
• Insure car and home with the same company – Most companies give lower prices to policyholders that buy multiple policies such as combining an auto and homeowners policy. If you currently are using one company, you still need to compare other insurance prices to guarantee you are still saving the most.
• Save money by eliminating extra policy coverages – There are quite a few extra add-on coverages that you can get tricked into buying but may not be useful. Insurance for personal injury protection, accident forgiveness, and term life insurance are examples of these. These coverages may sound good initially, but your needs may have changed so eliminate them to save money.

What insurance coverages do I need?

When it comes to choosing coverage for your personal vehicles, there really is no cookie cutter policy. Each situation is unique.

For example, these questions could help you determine if you will benefit from professional help.

• Does car insurance cover theft of personal property?
• Is my cargo covered for damage or theft?
• Should I rate my 2009 Volkswagen GTI as pleasure use or commute?
• Is my business laptop covered if it gets stolen from my vehicle?
• When would I need rental car insurance?
• How do I buy GAP insurance?
• Do all my vehicles need collision coverage?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form.

Auto insurance 101

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverages

Liability coverage can cover damage or injury you incur to a person or their property. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as pain and suffering, funeral expenses and attorney fees. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like rehabilitation expenses, nursing services, pain medications and funeral costs. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers you and your occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision insurance

This coverage covers damage to your GTI caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a building, driving through your garage door, rolling your car, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen GTI.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, fire damage, falling objects and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

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Don’t break the bank

You just read a lot of information how to get a better price on 2009 Volkswagen GTI insurance. The key concept to understand is the more companies you get auto insurance rates for, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from an unexpected company.

Budget-friendly car insurance can be found from both online companies as well as from insurance agents, so you should compare both so you have a total pricing picture. A few companies don’t offer price quotes online and these smaller companies only sell coverage through independent insurance agencies.

As you restructure your insurance plan, it’s very important that you do not buy less coverage just to save a little money. In too many instances, someone sacrificed liability limits or collision coverage to discover at claim time they didn’t have enough coverage. Your objective should be to find the BEST coverage for the lowest cost and still be able to protect your assets.

To learn more, link through to these articles:

• Insuring a Leased Car (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Crash Avoidance Technologies FAQ (iihs.org)
• Senior Drivers (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)

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