2014 Volkswagen GTI Insurance Quotes – 7 Ideas for Best Rates

Sick and tired of trying to scrape together enough money to buy insurance? You have the same problem as many other consumers. Consumers have so many car insurance companies to pick from, and though it is a good thing to be able to choose, it can be more difficult to find the lowest rates.

More discounts mean cheap premiums

Some providers don’t always publicize every discount they offer in an easy-to-find place, so we took the time to find both the well known and also the more inconspicuous insurance coverage savings.

• Good Students Pay Less – Being a good student may save you up to 25%. Most companies allow this discount well after school through age 25.
• Employee of Federal Government – Simply working for the federal government may reduce rates when you quote car insurance on GTI insurance with certain companies.
• Safe Driver Discount – Accident-free drivers can get discounts for up to 45% lower rates on GTI insurance compared to rates paid by drivers with frequent claims.
• New Vehicle Savings – Buying a new car model is cheaper since newer models have better safety ratings.
• Passive Restraints and Air Bags – Factory options such as air bags or motorized seat belts can qualify for discounts of up to 25% or more.
• 55 and Retired – Drivers that qualify as senior citizens are able to get a discount up to 10% on GTI insurance.
• Homeowners Discount – Just being a homeowner can get you a discount due to the fact that maintaining a home is proof of financial responsibility.

Don’t be shocked that many deductions do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way.

To view companies that offer discounts, follow this link.

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How to get insurance quotes

Getting a cheaper price on 2014 Volkswagen GTI insurance is a fairly straight forward process. All you need to do is take a few minutes comparing rate quotes from some recommended companies. Insurance prices can be quoted in several different ways.

1. The most efficient method to get quotes would be an industry-wide quote request form like this one (opens in new window). This quick form prevents you from having to do separate quote forms for each price estimate. Completing one form gets coverage cost estimates from multiple low-cost companies.
2. A more difficult way to analyze rates is to manually visit the website for every company you want to comare and get a separate price quote. For example, we’ll pretend you want to view quotes from Allstate, Geico and State Farm. In order to get each rate, you would have to go to every website and repeatedly type in your coverage information, and that explains why we recommend the first method.

   For a handy list of car insurance company links in your area, click here.

3. If you have time to kill, the last way to compare rates is driving around to insurance agencies in your area. The ability to buy insurance online eliminates the need for an insurance agent unless you’re the type of person who wants the professional assistance of a local agent. Although, it is possible obtain prices from the web but have a local agent actually write the policy.

It’s up to you which method you use, but make sure you are using identical coverage limits and deductibles on every price quote you get. If the quotes have different coverage information it will be nearly impossible to make an equal comparison.

It’s not one size fits all

When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that might point out whether or not you will benefit from professional help.

• What is the difference between comprehensive and collision coverage?
• Is my nanny covered when driving my vehicle?
• Am I covered when driving a rental car?
• How much can I save by bundling my policies?
• Do I need more liability coverage?
• What is covered by UM/UIM coverage?
• If my pet gets injured in an accident are they covered?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It is quick, free and may give you better protection.

Educate yourself about insurance coverages

Understanding the coverages of your policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most insurance policies.

Comprehensive (Other than Collision)

Comprehensive insurance pays for 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 pays for things like a tree branch falling on your vehicle, hail damage, hitting a deer, falling objects and a broken windshield. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability

This coverage provides protection from damages or injuries you inflict on other people or property that is your fault. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers things like structural damage, repair costs for stationary objects, funeral expenses and court costs. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Collision insurance

This coverage pays for damage to your GTI caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like scraping a guard rail, backing into a parked car, rolling your car, 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 older. You can also choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance

Med pay and PIP coverage reimburse you for expenses such as nursing services, rehabilitation expenses, chiropractic care and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Volkswagen GTI.

Since many drivers 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 should not be overlooked.

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Best coverage at the best price

We just covered a lot of information how to compare 2014 Volkswagen GTI insurance car insurance rates online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or Geico.

When you buy car insurance online, don’t be tempted to reduce needed coverages to save money. In many cases, an accident victim reduced liability coverage limits and learned later that it was a big error on their part. Your objective should be to purchase plenty of coverage at the best possible price, but do not sacrifice coverage to save money.

To learn more, take a look at the resources below:

• Red Light Cameras (State Farm)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)

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