Compare 2017 Volkswagen e-Golf Insurance Rates

Looking for better insurance rates for your Volkswagen e-Golf? Overpriced insurance can bottom out your checking account and possibly require you to analyze your spending habits.

Since consumers have many options, it can be hard to pick the right insurance company.

Consumers need to do price comparisons quite often because rates are usually higher with each renewal. Just because you found the lowest premium rates on e-Golf coverage on your last policy a different company probably has better prices today. Ignore everything you know about insurance because you’re about to learn the fastest way to find the best coverage while lowering your premiums.

Quote car insurance online

The majority of larger companies allow you to get price estimates online. Comparing prices online is easy for anyone as you simply type in the coverage amounts you desire into the form. When the form is submitted, the system will obtain credit information and your driving record and returns a price based on many factors. Online price estimates makes it a lot easier to compare rates but having to visit several different sites and type in your information is a big time waster. But it’s very important to compare as many rates as possible in order to find the lowest possible prices on car insurance.

Keep reading for an easier way to compare prices

An easier way to find lower prices uses one simple form that analyzes rates from several companies at one time. The form is fast, eliminates form submissions, and makes online price comparison much easier. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick your choice of the quotes that you receive. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. This process can be completed in less than 10 minutes and may result in a nice savings.

In order to find out if lower rates are available, simply click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you replicate the coverage information identical to your current policy. Doing this guarantees you will have a price comparison based on the exact same insurance coverage.

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Get cheap rates by taking advantage of discounts

Insurance can cost an arm and a leg, but there may be some discounts that many consumers don’t even know exist. Certain credits will be shown when you quote, but less common discounts must be manually applied prior to getting the savings.

• Drivers Education – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course if it’s offered in school.
• Multi-policy Discount – If you combine your auto and home policies and place coverage with the same company you could get a discount of over 10 percent off each policy depending on the company.
• Discounts for New Vehicles – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new vehicles.
• No Claims – Insureds who avoid accidents and claims pay much less in comparison to accident-prone drivers.
• Discount for Low Mileage – Fewer annual miles on your Volkswagen can earn better premium rates on cars that stay parked.
• Senior Discount – Older drivers could receive a small decrease in premiums on e-Golf coverage.

You can save money using discounts, but many deductions do not apply to the entire cost. Most only cut specific coverage prices like physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, company stockholders wouldn’t be very happy.

Car insurance companies that may offer policyholders most of the discounts above include:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

When getting free auto insurance quotes, it’s a good idea to all companies you are considering how you can save money. All car insurance discounts may not be available in your area. To see providers that offer discounts, click here to view.

How much car insurance do I need?

When buying the right insurance coverage for your vehicles, there really is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions can aid in determining if your situation could use an agent’s help.

• Am I covered when driving in Canada or Mexico?
• What should my uninsured motorist coverage limits be in my state?
• Why am I required to buy liability insurance?
• Can I afford to buy a different vehicle if my 2017 Volkswagen e-Golf is totaled?
• Am I covered if I break a side mirror?
• Does my insurance cover damage caused when ticketed for reckless driving?
• What is no-fault insurance?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Why you might pay inflated rates

Lots of factors are part of the equation when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, but other criteria are less obvious like where you live or your financial responsibility.

Listed below are some of the major factors used by insurance companies to determine your prices.

• Save money with higher coverage deductibles – The deductibles are the amount of money you are required to pay before your insurance pays a claim. Coverage for physical damage, aka comp and collision, insures against damage to your car. Some coverage claims are rearending another vehicle, hail damage, or theft of your vehicle. The higher the amount you choose to pay out-of-pocket, the better rate you will receive on e-Golf coverage.
• Keep the miles off and save – The higher the mileage driven in a year’s time the higher your rates will be. Many insurance companies charge rates based upon how much you drive. Vehicles used primarily for pleasure use cost less to insure as compared to vehicles used primarily for driving to work. Verify your insurance declarations sheet states the proper vehicle usage, because improper ratings can cost you money. Improper usage on your e-Golf may be costing you higher rates.
• Less chance of injury means lower prices – Cars with five star safety ratings tend to be cheaper to insure. These vehicles result in less severe injuries and any reduction in injury severity means your insurance company pays less and cheaper rates on your policy. If your Volkswagen e-Golf scored at minimum four stars on Safercar.gov you may be receiving a better rate.
• Low stress vocation equals lower insurance rates – Occupations such as military generalspolice officers and accountants have higher rates than average attributed to stressful work requirements and lengthy work days. On the other hand, occupations such as farmers, engineers and the unemployed receive lower rates on e-Golf coverage.

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Don’t believe everything you hear

Big name companies like State Farm, Allstate and Geico continually stream television and radio advertisements. All the companies have a common claim that drivers will save a bundle just by moving your policy. But how can every company offer you a better deal? It’s all in the wording.

Insurance providers are able to cherry pick for the type of driver that will add to their bottom line. A good example of this type of risk profile might be over the age of 50, has never had a claim, and has great credit. Any person who meets those qualifications will most likely get cheap premium rates and have a good chance to cut their rates substantially.

Insureds who do not fit the requirements will probably have to pay higher premium rates which usually ends up with the prospect going elsewhere. If you listen to the ad wording, they say “customers who switch” not “everyone who quotes” save that much when switching. That’s the way companies can truthfully lure you into getting a quote. This emphasizes why drivers must compare rate quotes every year. It is impossible to guess which insurance companies will give you lower prices than your current company.

The coverage is in the details

Understanding the coverages of insurance can be of help when determining appropriate coverage for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages offered by insurance companies.

Liability auto insurance – Liability coverage protects you from damages or injuries you inflict on people or other property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things such as funeral expenses, medical services and emergency aid. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since 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 should not be overlooked.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from flooding, theft and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance – Coverage for medical payments and/or PIP pay for bills for chiropractic care, pain medications, rehabilitation expenses, funeral costs and surgery. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as damaging your car on a curb, colliding with a tree, crashing into a building, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Keep this in mind

Throughout this article, we presented many ideas to save on 2017 Volkswagen e-Golf insurance. The key thing to remember is the more times you quote, the better chance you’ll have of finding the cheapest auto insurance. You may even find the best rates are with the least-expected company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.

When buying insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, someone dropped liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Additional information

• Collision Insurance Coverage (Nationwide)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Collision Coverage (Liberty Mutual)

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