Compare 2011 Volkswagen GTI Insurance Quotes

Looking for cheaper car insurance rates for your Volkswagen GTI? I can’t think of anyone who loves paying for car insurance, especially knowing the price is too high.

Companies like Allstate, Progressive and Geico persitently shower you with ad campaigns and it is difficult to see past the geckos and flying pigs and take the time to shop coverage around.

If you have car insurance now, you will most likely be able to reduce your rates substantially using this information. Finding the best rates is quite easy. But car owners can benefit from knowing how companies price online insurance and use this information to your advantage.

Discounts for cheap car insurance rates

Not many people think insurance is cheap, but there could be available discounts to cut the cost considerably. Some discounts will apply at the time you complete a quote, but a few must be specially asked for prior to receiving the credit.

• Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
• Home Ownership Discount – Owning your own home or condo can earn you a little savings because owning a home requires personal responsibility.
• Senior Citizens – If you qualify as a senior citizen, you may qualify for better car insurance rates for GTI insurance.
• Passenger Safety Discount – Cars that have air bags or automatic seat belts may get savings of 25 to 30%.
• Student Discount for Driver Training – Teen drivers should complete a driver education course as it will make them better drivers and lower rates.
• Distant College Student Discount – Any of your kids living away from home attending college and do not have a car may be insured at a cheaper rate.
• Life Insurance Discount – Larger insurance carriers have better premium rates if you take out life insurance from them.
• New Car Discount – Buying a new car model can save up to 30% because new model year vehicles keep occupants safer.
• Good Grades Discount – Getting good grades could provide a savings of up to 20% or more. Many companies even apply the discount to college students up to age 25.

As a sidenote, most discounts do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, it doesn’t quite work that way. But any discount will help reduce your policy premiums.

Larger car insurance companies and some of the premium reductions they offer include:

• Travelers discounts include driver training, continuous insurance, save driver, good student, and early quote.
• 21st Century has discounts for anti-lock brakes, student driver, driver training, early bird, teen driver, good student, and 55 and older.
• State Farm policyholders can earn discounts including accident-free, Drive Safe & Save, good student, good driver, and multiple autos.
• Geico offers discounts for seat belt use, federal employee, daytime running lights, anti-lock brakes, driver training, and good student.
• SAFECO offers premium reductions for safe driver, teen safety rewards, accident prevention training, homeowner, multi-car, bundle discounts, and anti-lock brakes.
• AAA offers discounts including multi-car, AAA membership discount, anti-theft, good student, education and occupation, pay-in-full, and multi-policy.

It’s a good idea to ask each company how you can save money. Some of the discounts discussed earlier might not be offered on policies in your area. To see insurers who offer car insurance discounts, click here.

The best way we recommend to get policy rate comparisons utilizes the fact all the major auto insurance companies participate in online systems to give you rate quotes. To start a quote, the only thing you need to do is give the companies some data including whether you have decent credit, if you have a valid license, if the vehicle is leased, and how your vehicles are used. Your insurance information is automatically sent to insurance carriers in your area and you will get price comparisons with very little delay.

Tailor your auto insurance coverage to you

When choosing coverage for your vehicles, there is no single plan that fits everyone. Each situation is unique so your insurance needs to address that. These are some specific questions could help you determine if your situation may require specific advice.

• Does my policy cover my teen driver if they drive my company car?
• Why am I required to buy liability insurance?
• Do I need added coverage for expensive stereo equipment?
• Am I covered when driving a rental car?
• Why do I only qualify for high-risk insurance?
• Where can I find high-risk insurance?
• At what point should I drop full coverage?
• Who is covered when they drive my 2011 Volkswagen GTI?
• Do I need rental car coverage?
• Does my policy cover me when driving someone else’s vehicle?

If you’re not sure about those questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Specifics of your auto insurance policy

Learning about specific coverages of your policy can be of help when determining which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average auto insurance policy.

Auto liability

This coverage provides protection from damages or injuries you inflict on other people or property that is your fault. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as repair bills for other people’s vehicles, funeral expenses, attorney fees and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like theft, hitting a deer and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

Collision insurance pays for damage to your GTI resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical expense insurance

Med pay and PIP coverage kick in for expenses such as surgery, EMT expenses, X-ray expenses, ambulance fees and doctor visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Quote more. Save more.

As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. In many instances, someone dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible at the best possible price, but do not skimp to save money.

We just presented quite a bit of information on how to reduce 2011 Volkswagen GTI insurance premium rates online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Drivers may discover the best premium rates are with a lesser-known regional company. They often have lower prices on specific markets as compared to the big name companies such as Progressive or Geico.

Additional insurance coverage information is located at the links below

• Tools for Teen Driving Safety (State Farm)
• Drunk Driving Statistics (Insurance Information Insitute)
• Rollover Crash FAQ (iihs.org)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• Insurance Losses by Make and Model (iihs.org)