2010 Volkswagen GTI Insurance Quotes – 9 Tips to Save

Finding cheap insurance coverage is always a challenge for drivers not familiar with comparing rates online. With such a large number of companies in the marketplace, it can turn into a chore to find the best prices.

It’s a great practice to price shop coverage quite often because rates tend to go up over time. If you had the best rate for GTI insurance a couple years back the chances are good that you can find a lower price today. There is too much inaccurate information about insurance coverage online but I’m going to show you a bunch of ideas how to stop overpaying for insurance.

Finding affordable coverage is easy if you know what you’re doing. Essentially anyone who carries auto insurance most likely will be able to find lower rates. But vehicle owners must comprehend how insurance companies compete online and apply this information to your search.

Verify you’re applying every discount

Companies that sell car insurance don’t list every discount they offer in a way that’s easy to find, so the following list contains a few of the more well known and also the more inconspicuous discounts you could be receiving when you buy auto insurance online.

  • E-sign – Many auto insurance companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Low Miles Discount – Keeping the miles down on your Volkswagen can earn discounted auto insurancerates on garaged vehicles.
  • Onboard Data Collection – Insureds that choose to allow companies to study where and when they drive by using a telematics device such as State Farm’s In-Drive could see a rate decrease if their driving habits are good.
  • Discounts for Good Drivers – Drivers without accidents can pay as much as 50% less for GTI insurance compared to rates paid by drivers with frequent claims.
  • Discount for Home Ownership – Simply owning a home may trigger a policy discount on auto insurance because it shows financial diligence.
  • Employee of Federal Government – Being employed by or retired from a federal job could provide a small rate reduction for GTI insurance with a few auto insurance companies.
  • Save with a New Car – Insuring a new car may earn a small discount compared to insuring an older model.
  • Accident Free – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote when compared to drivers with a long claim history.
  • Active Service Discounts – Being deployed in the military could mean lower rates.

Policy discounts save money, but most discounts do not apply the the whole policy. Most only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think you could get a free auto insurance policy, insurance companies wouldn’t stay in business. Any amount of discount will positively reduce your policy cost.

A list of auto insurance companies and the discounts they provide are included below.

  • Geico includes discounts for defensive driver, emergency military deployment, five-year accident-free, anti-lock brakes, federal employee, and air bags.
  • MetLife may include discounts for claim-free, accident-free, good driver, multi-policy, good student, and defensive driver.
  • Progressive discounts include online quote discount, multi-policy, homeowner, continuous coverage, and good student.
  • Travelers has savings for student away at school, multi-car, save driver, hybrid/electric vehicle, and driver training.
  • SAFECO may have discounts that include bundle discounts, multi-car, anti-theft, drive less, teen safety rewards, teen safe driver, and safe driver.
  • AAA offers discounts including AAA membership discount, anti-theft, multi-policy, good driver, and multi-car.

Before buying, ask every insurance company how many discounts you can get. Discounts may not apply to policyholders in your area.

Slick advertising tricks that work

Companies like Progressive, Allstate and Geico regularly use ads on TV and radio. They all seem to make the same claim about how much you will save if you just switch to them. How does each company claim to save you money? It’s all in how they say it.

Most companies give the best rates for the type of customer that will add to their bottom line. For instance, this type of driver may need to be over age 30, has no driving citations, and drives a lower-performance vehicle. Any new insured who matches those parameters may get the lowest auto insurance rates as well as save when they switch companies.

Consumers who don’t qualify for the ideal profile will be quoted a higher rate with the end result being the customer not buying. The ads say “drivers that switch” not “everybody who quotes” save that much. That is how insurance companies can make claims that they all have the best rates. This really drives home the point why drivers should compare many company’s rates. It’s just not possible to know which car insurance company will have the lowest rates.

When should I discuss my situation with an agent?

When buying the best auto insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions can help discover if your situation would benefit from an agent’s advice.

  • Is business property covered if stolen from my car?
  • Can my teen drive my company car?
  • Why am I required to buy liability insurance?
  • Am I covered if I break a side mirror?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I have any recourse if my insurance company denies a claim?
  • What is the ISO rating for a 2010 Volkswagen GTI?
  • Should I buy only the required minimum liability coverage?
  • Am I covered when driving on a suspended license?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Information about specific coverages

Learning about specific coverages of your car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability insurance

Liability insurance will cover damages or injuries you inflict on a person or their property by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as repair bills for other people’s vehicles, emergency aid, pain and suffering and medical services. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Comprehensive car insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, damage from getting keyed, hitting a deer and a broken windshield. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, colliding with a tree and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your 2010 Volkswagen GTI.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as dental work, hospital visits, funeral costs and ambulance fees. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Quote more. Save more.

When getting auto insurance quotes online, never reduce needed coverages to save money. There are many occasions where an accident victim reduced physical damage coverage to discover at claim time they didn’t purchase enough coverage. The goal is to buy enough coverage for the lowest cost while still protecting your assets.

Low-cost 2010 Volkswagen GTI insurance is definitely available both online and from local agencies, and you should be comparing both to have the best rate selection. There are still a few companies who may not provide internet price quotes and many times these small insurance companies work with independent agents.

We just covered some good ideas how you can lower your 2010 Volkswagen GTI insurance car insurance rates. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the lowest car insurance rates are with the smaller companies.

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