Lower Your 2013 Volkswagen GTI Car Insurance Cost

If you’re shopping for more affordable insurance online, are you overwhelmed by the number of insurance companies in your area? You’re not alone. People have such a large number of options that it can easily turn into more work than you anticipated to find the best rates.

You should make it a habit to do rate comparisons at least once a year since insurance prices tend to go up over time. Just because you had the best quotes for GTI coverage last year other companies may now be cheaper. There is too much inaccurate information about insurance on the internet, but I’m going to show you some excellent ideas to find cheap insurance.

Compare insurance coverage rate quotes online

The majority of larger companies provide coverage prices on their websites. Comparing prices online is very simple because you just enter the coverages you want as requested by the quote form. When complete, the system gets your driving record and credit report and gives you a price quote based on these and other factors.

Quoting online simplifies rate comparisons, but the time it takes to visit several different sites and enter the same data into a form is not the best way to spend an afternoon. But it is imperative to perform this step if you want to find lower prices.

The preferred way to locate the lowest prices uses one form that analyzes rates from multiple companies. It saves time, reduces the work, and makes rate comparisons much more enjoyable and efficient. Once the form is submitted, it is rated and you are able to buy any one of the quote results.

If you find a better price it’s easy to complete the application and buy the policy. It takes less than 15 minutes and you will know how your current rates stack up.

If you want to find out if lower rates are available, simply click here to open in new window and input your coverage information. To compare your current rates, we recommend you type in coverages and limits just like they are on your policy. This helps ensure you are getting an apples-to-apples comparison using the exact same coverages.

Affordable insurance coverage quotes with discounts

Auto insurance companies don’t always advertise their entire list of discounts in an easy-to-find place, so the following is a list of both the well known and also the more inconspicuous discounts that you can inquire about if you buy auto insurance online. If you do not double check each discount you qualify for, you are just wasting money.

  • Low Miles Discount – Driving less could earn discounted rates on garaged vehicles.
  • Pay Upfront and Save – By making one initial payment rather than paying monthly you can avoid the installment charge.
  • Anti-lock Brakes – Cars and trucks with ABS braking systems or traction control can avoid accidents so you can save 10 percent or more.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Discount for Life Insurance – Some insurance carriers give lower prices if you buy life insurance.
  • Mature Driver Discount – Older drivers may be able to get lower premium rates for GTI coverage.

It’s important to note that some credits don’t apply the the whole policy. Most only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way.

To find companies who offer online insurance coverage quotes, click here.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Are all vehicle passengers covered by medical payments coverage?
  • If my 2013 Volkswagen GTI is totaled, can I afford another vehicle?
  • Am I covered if I hit a deer?
  • Is my cargo covered for damage or theft?
  • Is business equipment covered while in my vehicle?
  • Do I need rental car coverage?
  • How much liability do I need to cover my assets?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverage considerations

Understanding the coverages of your policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for expenses like pain medications, chiropractic care, doctor visits and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2013 Volkswagen GTI.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Liability coverages

This coverage can cover damage or injury you incur to other’s property or people that is your fault. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims like medical expenses, legal defense fees, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverage protection

Collision insurance covers damage to your GTI caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with a tree, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hail damage, theft and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Feed the piggy bank

We’ve covered many ideas to lower your 2013 Volkswagen GTI insurance prices. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a lesser-known regional company.

Insureds change insurance companies for a variety of reasons including extreme rates for teen drivers, delays in paying claims, not issuing a premium refund and even policy non-renewal. No matter why you want to switch, switching companies is not as hard as you think.

As you restructure your insurance plan, make sure you don’t reduce needed coverages to save money. There are many occasions where an insured cut full coverage only to regret at claim time that it was a big mistake. Your aim should be to find the BEST coverage at the best cost, not the least amount of coverage.

More detailed insurance coverage information can be found by following these links: