2013 Volkswagen Golf R Insurance Rates – 10 Ways to Save

Looking for lower insurance rates for your Volkswagen Golf R? Finding low-cost insurance for your Volkswagen Golf R can normally be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to compare insurance rates and we’ll show you the best way to compare rates for a new or used Volkswagen and find the lowest price from both online companies and local agents.

It’s smart to compare rates before your next renewal since prices tend to go up over time. Just because you had the lowest price on Golf R coverage six months ago you will most likely find a better rate quote today. You can search a lot of insurance online, but in this article, you’re going to get the best ways to lower your insurance bill.

More affordable rates with these ten auto insurance discounts

Auto insurance can be pricey, but there’s a good chance there are discounts to help offset the cost. Certain reductions will be credited when you get a quote, but a few must be manually applied prior to getting the savings.

  • Senior Citizen Discount – If you’re over the age of 55, you may be able to get a small decrease in premiums on Golf R coverage.
  • Cautious Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Golf R coverage compared to accident prone drivers.
  • Pay Early and Save – By paying your policy upfront as opposed to paying monthly you may have a lower total premium amount.
  • Discount for Home Ownership – Just owning your own home can help you save on auto insurance because it demonstrates responsibility.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Multi-Vehicle Discounts – Insuring several vehicles with one company can get a discount on all vehicles.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in high school.
  • College Student Discount – Older children who live away from home at college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • Passive Restraint Discount – Factory air bags or motorized seat belts can qualify for discounts of 25 to 30%.

Remember that many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, company stockholders wouldn’t be very happy. But any discount will definitely reduce the cost of coverage.

A few companies that possibly offer some of the discounts shown above include:

If you need lower rates, check with each company the best way to save money. Some of the discounts discussed earlier may not apply to policies everywhere. If you would like to view companies that offer the discounts shown above, follow this link.

Insurance can get complicated

When choosing proper insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine if you may require specific advice.

  • How do I file an SR-22 for a DUI in my state?
  • What is roadside assistance coverage?
  • When would I need additional glass coverage?
  • Does my 2013 Volkswagen Golf R qualify for pleasure use?
  • Am I covered when driving on a suspended license?
  • What are the best liability limits?
  • Do I need more liability coverage?
  • I have a DUI can I still get coverage?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Well known brands might not be cheapest

Drivers can’t ignore all the ads for cheaper car insurance from companies such as Progressive, Allstate and Geico. All the companies make the same claim about savings just by moving your policy.

How does every company say the same thing? Here is the trick they use.

Companies have a preferred profile for the type of driver that will generate a profit. For example, a desirable risk should be over the age of 40, carries high limits, and drives a vehicle with a low ISO rating. A propective insured who matches those parameters receives the best rates and have a good chance to save a lot of money.

Drivers who do not match those criteria will see a more expensive rate and this results in the prospect going elsewhere. The ad wording is “people that switch” not “all people who quote” save the amount stated. That is how insurance companies can make it sound like they have such great premium rates.

This emphasizes why you really need to get a wide range of price quotes. It’s impossible to know which car insurance company will have the lowest rate quotes.

Specific coverages for a 2013 Volkswagen Golf R

Learning about specific coverages of your auto insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

UM/UIM Coverage – This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your 2013 Volkswagen Golf R.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Liability insurance – This coverage provides protection from damage that occurs to people or other property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as funeral expenses, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from getting keyed, hitting a deer, hitting a bird, a broken windshield and fire damage. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for dental work, hospital visits, doctor visits and chiropractic care. They are used in conjunction with a health insurance program or if you do not have health coverage. It covers you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Buy Smart and Save

Drivers change insurance companies for any number of reasons including poor customer service, high prices, denial of a claim and even delays in responding to claim requests. No matter why you want to switch, finding a new company is easier than you think.

When you buy car insurance online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped physical damage coverage only to discover later that it was a big mistake. The goal is to buy enough coverage at the best cost, but do not skimp to save money.

Some companies may not have price quotes online small insurance companies work with local independent agents. Cheaper car insurance is definitely available on the web and from local insurance agents, and you should compare rates from both to have the best selection.

Additional information can be read at these links: