View 2009 Volkswagen GLI Insurance Quotes

Pretty sure you bought an underperforming, overpriced auto insurance policy? Don’t feel bad because many drivers have buyer’s remorse. Multiple insurers compete for your business, so it’s not easy to compare every company and get the best coverage at the best rates possible.

Smart consumers take time to compare prices once or twice a year due to the fact that insurance rates are constantly changing. Even if you got the lowest premium rates on GLI coverage a couple years back you will most likely find a better price today. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in one of the quickest ways to save on auto insurance.

Compare insurance price quotes

All major insurance companies give coverage prices on their websites. Doing online quotes is very simple because it’s just a matter of typing in the coverages you want into a form. Upon sending the form, the company’s rating system orders your driving and credit reports and returns a price based on these and other factors. Online price quotes makes it simple to compare prices but the process of having to visit many different websites and fill out multiple forms can be a bit repetitive. But it’s very important to perform this step if you are searching for the lowest price.

The preferred way to compare rates uses one form that gets prices from several different companies. The form is fast, helps eliminate reptitive entry, and makes comparison shopping much simpler. After sending the form, your coverage is rated and you can choose any one of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. This process can be completed in a matter of minutes and can result in significant savings.

To compare rates now, click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you type in your coverages identical to your current policy. Doing this guarantees you will have a rate comparison based on similar coverages.

You are unique and your insurance should be too

When it comes to buying the right insurance coverage, there is no one size fits all plan. Everyone’s needs are different so this has to be addressed. For instance, these questions may help you determine whether you would benefit from professional advice.

How does medical payments coverage work?
Does having multiple vehicles earn me a discount?
Does coverage extend to a rental car in a foreign country?
I have good health insurance, so how much medical payments coverage do I need?
Will I lose any money if I cancel my policy before it expires?
Are my tools covered if they get stolen from my vehicle?
Does coverage extend to Mexico or Canada?
What is the minimum liability in my state?
Can I still get insurance after a DUI?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It is quick, free and may give you better protection.

Auto insurance coverages

Learning about specific coverages of a auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types available from auto insurance companies.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as rolling your car, hitting a mailbox, crashing into a ditch, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like chiropractic care, rehabilitation expenses, surgery and EMT expenses. They 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 you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage protects you from damages or injuries you inflict on a person or their property in an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as legal defense fees, medical expenses and emergency aid. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Volkswagen GLI.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as theft, a broken windshield, hitting a bird, hitting a deer and damage from getting keyed. The highest amount you’ll receive from a claim 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.