2018 Volkswagen Golf GTI Insurance Cost

Comparison shopping for low cost car insurance is always difficult for drivers who have little experience quoting coverage prices online. You have so many options that it can quickly become a difficult situation to locate the lowest price.

Verify you’re receiving every discount

Not many people think insurance is cheap, but you might already qualify for some discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically when you quote, but occassionally some discounts must be requested specifically before you get the savings.

• Responsible Driver Discounts – Drivers who don’t get into accidents may receive a discount up to 45% on Golf GTI coverage than less cautious drivers.
• Home Ownership Discount – Owning your own home or condo can help you save on insurance because it demonstrates responsibility.
• Defensive Driver – Taking part in a class that teaches driver safety techniques could earn you a small percentage discount and make you a better driver.
• Membership in Organizations – Having an affiliation with specific professional or occupational memberships or organizations may earn a discount on your policy.
• Multi-car Discount – Purchasing coverage when you have several vehicles on a single policy can reduce the rates for all insured vehicles.
• Driver’s Education for Students – Cut your cost by having your teen driver take driver’s ed class in high school.
• Good Student Discount – A discount for being a good student may save you up to 25%. The discount lasts until age 25.
• Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you a small discount if you purchase life insurance from them.
• Data Collection Discounts – Drivers who elect to allow driving data submission to look at driving patterns remotely such as State Farm’s In-Drive may see discounts if their driving habits are good.
• Discounts for Government Workers – Active or retired federal employment could provide a small rate reduction on Golf GTI coverage with certain companies.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates you could get a free insurance policy, companies don’t profit that way. But any discount will positively reduce the amount you pay for coverage.

The best insurance companies and their possible discounts include:

• Progressive may include discounts for multi-policy, multi-vehicle, good student, homeowner, continuous coverage, and online signing.
• Farmers Insurance may offer discounts for homeowner, distant student, business and professional, early shopping, and teen driver.
• Farm Bureau has savings for youthful driver, safe driver, renewal discount, 55 and retired, multi-vehicle, driver training, and multi-policy.
• State Farm includes discounts for Steer Clear safe driver discount, driver’s education, anti-theft, good driver, and multiple autos.
• Geico policyholders can earn discounts including defensive driver, multi-vehicle, air bags, good student, seat belt use, and five-year accident-free.
• SAFECO has discounts for drive less, safe driver, anti-lock brakes, multi-car, and teen safe driver.
• Liberty Mutual offers discounts including newly married, new graduate, exclusive group savings, multi-car, and hybrid vehicle.

If you need the cheapest car insurance quotes, ask all the companies to apply every possible discount. All car insurance discounts may not be available everywhere. To find insurers with discount rates, click here.

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How to get insurance quotes

When shopping for inexpensive car insurance quotes, there are a couple of ways of comparing rates from insurance companies in your area. The simplest method to comparison shop consists of obtaining rate quotes online. This is quite simple and can be completed in a couple of different ways.

1. One of the best ways to get the best comparison quotes is a comparison rater form (click to open form in new window). This form saves time by eliminating separate forms for every company. Filling out one form gets rate comparisons from insurance companies with the best prices. This is perfect if you don’t have a lot of time.
2. A less efficient way to analyze rates requires you to visit each individual company website and repeat the quote process. For example, let’s assume you need rates from Geico, Liberty Mutual and Travelers. You would have to go to every website and enter your information, which explains why we recommend starting with the first method. For a list of companies in your area, click here.
3. The final way to shop rates is to waste gas driving to local insurance agencies. Buying insurance online eliminates this option unless you prefer the guidance only provided by licensed agents. If you prefer, some companies allow you to get the lowest quotes online but have a local agent actually write the policy.

However you get your quotes, be sure you’re using nearly identical coverage information with each company. If you compare unequal deductibles or liability limits then you won’t be able to make an equal comparison. Even a minor difference in limits can result in a big premium difference. And when quoting insurance, remember that comparing more quotes gives you a better chance of getting a better price. Not every company allows you to get online rate quotes, so it’s necessary to compare price estimates from the smaller companies as well.

When should I discuss my situation with an agent?

When it comes to buying adequate coverage, there isn’t really a cookie cutter policy. Each situation is unique.

For instance, these questions can aid in determining if your situation may require specific advice.

• How high should deductibles be on a 2018 Volkswagen Golf GTI?
• Why do I need rental car insurance?
• What if I total my 2018 Volkswagen Golf GTI and owe more than it’s worth?
• Should I buy more coverage than the required minimum liability coverage?
• I have good health insurance, so how much medical payments coverage do I need?
• Am I covered when using my vehicle for business?
• Do I need PIP coverage since I have good health insurance?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.

Auto insurance coverage information

Understanding the coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision insurance

This pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a ditch, colliding with another moving vehicle, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, hitting a bird, falling objects, hitting a deer and damage from getting keyed. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Volkswagen Golf GTI.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Liability auto insurance

This can cover injuries or damage you cause to other people or property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for 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 commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as bail bonds, emergency aid, medical expenses and attorney fees. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like dental work, rehabilitation expenses, hospital visits and EMT expenses. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

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In any little way, save everyday

As you prepare to switch companies, it’s not a good idea to reduce needed coverages to save money. There have been many cases where an insured dropped liability limits or collision coverage only to discover later that it was a big mistake. The ultimate goal is to buy the best coverage you can find for the lowest price, but don’t skip important coverages to save money.

People switch companies for many reasons like being labeled a high risk driver, questionable increases in premium, not issuing a premium refund or delays in responding to claim requests. No matter why you want to switch, finding a great new company can be easier than you think.

Affordable 2018 Volkswagen Golf GTI insurance is possible both online and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. Some insurance companies may not offer rates over the internet and many times these regional carriers provide coverage only through independent insurance agencies.

More information

• How to Avoid Common Accidents (State Farm)
• Should I Buy a New or Used Car? (Allstate)
• Auto Insurance Basics (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)

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