How Much Does 2013 Volkswagen GTI Car Insurance Cost?

Finding low-cost insurance for your Volkswagen GTI can normally be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to buy auto insurance and we’ll show you the absolute fastest way to compare rates for a new or used Volkswagen and find the lowest possible price.

It’s a good habit to compare rates yearly because prices are adjusted regularly by insurance companies. Even if you got the best quotes for GTI coverage six months ago a different company probably has better rates today. Ignore everything you know about auto insurance because you’re about to find out the fastest way to find better coverage at a better price.

The most recommended method to compare car insurance rates is to know the fact almost all companies pay for the opportunity to give free rates quotes. All consumers are required to do is provide details including how your vehicles are used, which vehicles you own, how much coverage you want, and if it has an anti-theft system. Your details is automatically sent to insurance companies and you receive quotes within a short period of time.

Auto insurance is unique, just like you

When it comes to buying adequate coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether your personal situation could use an agent’s help.

• How much liability coverage do I need in my state?
• Is a fancy paint job covered?
• Why do I only qualify for high-risk insurance?
• Do I need replacement cost coverage?
• What is the rate difference between pleasure use and commuting?
• Is my dog or cat covered if injured in an accident?
• Will my rates increase for filing one claim?
• Are split liability limits better than a combined single limit?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverages explained

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverages – Collision coverage will pay to fix damage to your GTI from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with a tree, damaging your car on a curb, backing into a parked car and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive auto coverage – This coverage covers 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 can pay for things such as a tree branch falling on your vehicle, hail damage, hitting a deer, theft and fire damage. The highest amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages – This protects you from damage that occurs to other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

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 might see values of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as funeral expenses, repair bills for other people’s vehicles, court costs and repair costs for stationary objects. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as surgery, funeral costs and doctor visits. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.