Lower Your 2016 Volkswagen Golf R Car Insurance Quotes

No normal person looks forward to paying for auto insurance, in particular when they are paying too much.

Insurance companies such as State Farm, Allstate, Geico and Progressive constantly bombard you with ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

The quickest method to compare policy rates is to understand auto insurance companies provide online access to quote your coverage. To begin a comparison, all you need to do is provide a small amount of information including how many miles driven, the type of vehicles you drive, whether you are married, and whether you have decent credit. The rating information is then submitted to multiple different insurance companies and they return quotes very quickly.

To get price quotes for your 2016 Volkswagen Golf R now, click here and enter your zip code.

Discounts for affordable car insurance rates

Insuring your vehicles can cost a lot, but there could be significant discounts to help bring down the price. Most are applied at the time of purchase, but a few must be manually applied before you will receive the discount.

• Student Discount for Driver Training – Teen drivers should successfully complete driver’s ed class in high school.
• Defensive Driver – Completing a defensive driving course is a good idea and can lower rates and easily pay for the cost of the class.
• Student in College – Older children who are enrolled in higher education away from home without a vehicle on campus could qualify for this discount.
• Government Employee Discount – Active or former government employment could cut as much as 10% off on Golf R coverage with a few car insurance companies.
• Data Collection Discounts – Drivers that enable their company to scrutinize when and where they use their vehicle remotely such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they exhibit good driving behavior.
• Seat Belt Discounts – Requiring all passengers to buckle up can save up to 10 percent (depending on the company) off the medical payments premium.
• Drive Less and Save – Low mileage vehicles could be rewarded with better car insurancerates on cars that stay parked.
• Early Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Some only apply to individual premiums such as collision or personal injury protection. If you do the math and it seems like it’s possible to get free car insurance, you won’t be that lucky.

Larger car insurance companies and their possible discounts are included below.

• AAA offers premium reductions for AAA membership discount, good driver, multi-policy, anti-theft, and multi-car.
• Progressive may have discounts that include good student, homeowner, multi-policy, online quote discount, online signing, and continuous coverage.
• State Farm has discounts for Drive Safe & Save, multiple policy, driver’s education, safe vehicle, and accident-free.
• Esurance may include discounts for good driver, DriveSense, safety device, good student, and online shopper.
• Nationwide discounts include easy pay, anti-theft, accident-free, good student, defensive driving, and Farm Bureau membership.

Before purchasing a policy, check with all the companies which discounts they offer. Discounts may not be available in your area. If you would like to view insurers with discount rates, click here to view.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions may help highlight whether or not you would benefit from an agent’s advice.

• How does medical payments coverage work?
• If my pet gets injured in an accident are they covered?
• Do I need medical payments coverage since I have good health insurance?
• Am I better off with higher deductibles on my 2016 Volkswagen Golf R?
• What companies insure drivers after a DUI or DWI?
• Does my policy pay for OEM or aftermarket parts?
• Do I need PIP coverage since I have good health insurance?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Car insurance policy coverages for a Volkswagen Golf R

Knowing the specifics of a car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages available from car insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Volkswagen Golf R.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Liability coverage

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

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which stand for $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 claims such as repair costs for stationary objects, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

This pays for damage to your Golf R from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like driving through your garage door, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses such as ambulance fees, doctor visits, X-ray expenses and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, rock chips in glass, hitting a deer and fire damage. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Save your cold hard cash

When searching for the cheapest auto insurance quotes, it’s a bad idea to reduce needed coverages to save money. In many instances, an insured cut liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy the best coverage you can find at the best possible price while still protecting your assets.

Budget-friendly insurance coverage is attainable online and with local insurance agents, so you need to shop auto insurance with both to have the best chance of lowering rates. Some insurance companies don’t offer rates over the internet and usually these smaller companies prefer to sell through local independent agencies.

Additional detailed information can be found by following these links:

• Insuring a Leased Car (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)