Compare 2015 Volkswagen e-Golf Insurance Rates

Trying to find lower insurance coverage rates for your Volkswagen e-Golf? Are you regretting buying an overpriced insurance coverage policy? You’re in good company because many drivers feel the same as you.

Because there are so many companies and agents to choose from, it can be diffult for drivers to find the most affordable insurance company.

Buying car insurance is easy if you know what you’re doing. If you have car insurance now, you will be able to reduce your rates substantially using these methods. But vehicle owners must learn the way companies market on the web because it can help you find the best coverage.

Where can I get the cheapest car insurance?

Most companies provide pricing online. Doing online price comparisons is very simple because it’s just a matter of typing in the amount of coverage you want into the quote form. When complete, the system obtains information on your driving record and credit history and generates pricing information. Online quotes streamlines rate comparisons, but having to visit several different sites and enter the same data into a form can be a bit tiresome and repetitive. But it’s also necessary to do this if you are searching for better prices.

A less time-consuming method to get multiple rate quotes utilizes a single form to return rates from many companies. It’s a real time-saver, eliminates form submissions, and makes online shopping much easier to do. After sending your information, it is rated and you are able to buy any or none of the resulting price quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. It only takes a few minutes and you will know how your current rates stack up.

To quickly find out how much you’re overpaying now, click here to open in a new tab and enter your vehicle and coverage information. If you have your current policy handy, we recommend you type in the coverage information as shown on your current policy. This helps ensure you will receive comparison quotes for similar coverage.

Do you qualify for discount insurance coverage?

Car insurance can cost a lot, but you might find some hidden discounts that can drop the cost substantially. Certain reductions will be credited when you purchase, but lesser-known reductions have to be specially asked for prior to getting the savings. If they aren’t giving you every credit you qualify for, you are throwing money away.

Fewer Miles Equal More Savings – Driving fewer miles could qualify for discounted prices on garaged vehicles.
Student Discounts – Excelling in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up until you turn 25.
Sign Early and Save – A few insurance companies give discounts for switching to them prior to the expiration date on your current policy. Ten percent is about the average savings.
Telematics Devices – Drivers that enable driving data collection to scrutinize their driving habits by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they show good driving skills.
Anti-theft System – Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft so companies will give you a small discount.
New Vehicle Savings – Insuring a vehicle that is new can save you some money compared to insuring an older model.
Student Discount for Driver Training – Require your teen driver to participate in a local driver’s education class as it can save substantially.

As is typical with insurance, many deductions do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, companies wouldn’t make money that way.

A list of companies and some of their more popular discounts can be read below.

Farmers Insurance offers discounts for multi-car, alternative fuel, early shopping, youthful driver, and distant student.
State Farm may offer discounts for Drive Safe & Save, student away at school, Steer Clear safe driver discount, passive restraint, and good driver.
Liberty Mutual includes discounts for new move discount, preferred payment discount, exclusive group savings, multi-policy, good student, and new graduate.
MetLife discounts include good student, defensive driver, accident-free, claim-free, good driver, multi-policy
Progressive may have discounts that include continuous coverage, online quote discount, online signing, good student, multi-vehicle, homeowner, and multi-policy.

It’s a good idea to ask every prospective company which discounts can lower your rates. Some credits may not apply to policies in every state.

Learn how to lower your insurance rates

Many factors are considered when you get your auto insurance bill. A few of the factors are predictable like your driving record, but other factors are more obscure such as your credit history or how safe your car is.A large part of saving on insurance is knowing some of the elements that help determine the price you pay for insurance. If you have some idea of what influences your rates, this empowers consumers to make smart changes that could help you find much lower annual insurance costs.

The factors shown below are a few of the things used by your company to calculate your premiums.

Small coverages can add up – There are many add-on coverages you can purchase if you don’t pay attention. Coverage for things like roadside assistance, accident forgiveness, and motor club memberships could be just wasting money. These coverages may sound good when deciding what coverages you need, but your needs may have changed so eliminate them to save money.
Physical damage deductibles are a factor – Comprehensive and collision coverage deductibles state the amount of money the insured will be required to pay if a claim is determined to be covered. Insurance for physical damage, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered are collision with another vehicle, fire damage, and damage caused by road hazards. The larger the amount you pay before a claim is paid (deductible), the less your insurance will be for e-Golf insurance.
Older drivers pay less – Mature drivers have been proven to be more responsible, file fewer claims , and are generally more financially stable.Youthful drivers are statistically shown to be more careless when driving therefore insurance rates are much higher.
Pay less with a high NHTSA crash test rating – Vehicles with good safety scores are cheaper to insure. Highly rated vehicles reduce occupant injuries and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders. If your Volkswagen earned at least four stars on Safercar.gov you may be receiving a better rate.
Getting married is a bonus – Getting married may cut your premiums on insurance. Having a spouse is viewed as being more mature than a single person and statistics show drivers who are married file infrequent claims.
Insurance rates may be lower depending on your job – Jobs like judges, social workers and medical professionals tend to pay higher premiums than the average policyholder due to intense work requirements and lots of time spent away from family. On the flip side, jobs like scientists, engineers and the unemployed generally pay rates lower than average for e-Golf insurance.
Insurance companies don’t like frequent policy claims – If you’re an insured who likes to file claims you can expect either higher rates or even cancellation. Auto insurance companies give lower rates to drivers who do not rely on their insurance for small claims. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
City traffic equals higher premiums – Choosing to live in a rural area can save you money when insuring your vehicles. Drivers in populated areas regularly have traffic congestion and longer commute times. Fewer drivers and short commutes means a lower chance of having an accident and a lower car theft rate.

What insurance coverages do I need?

When choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that These are some specific questions might point out if your insurance needs would benefit from an agent’s advice.

Am I covered by my spouse’s policy after a separation?
If my pet gets injured in an accident are they covered?
Can my teen drive my company car?
Am I getting all the discounts available?
Can I drive in Mexico and have coverage?
Why does it cost so much to insure a teen driver?
Is pleasure use cheaper than using my 2015 Volkswagen e-Golf to commute?
Can I afford to buy a different vehicle if my 2015 Volkswagen e-Golf is totaled?
What are the financial responsibility laws in my state?
Are all vehicle passengers covered by medical payments coverage?

If you’re not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

Insurance coverage breakdown

Knowing the specifics of insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most insurance policies.

UM/UIM Coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen e-Golf.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto collision coverage

Collision coverage pays for damage to your e-Golf resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a building, damaging your car on a curb, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, a broken windshield and theft. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical costs insurance

Med pay and PIP coverage kick in for expenses such as ambulance fees, prosthetic devices, funeral costs and surgery. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. It covers you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability car insurance

Liability insurance will cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like attorney fees, repair bills for other people’s vehicles, structural damage, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

The bottom line

You just learned some good ideas how to compare 2015 Volkswagen e-Golf insurance rates online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even find the most savings is with a small mutual company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

Cheaper insurance can be found on the web in addition to local insurance agencies, and you should be comparing both to get a complete price analysis. Some insurance providers may not provide online rate quotes and most of the time these regional insurance providers only sell through local independent agents.

When shopping online for insurance, don’t be tempted to reduce needed coverages to save money. Too many times, an insured dropped liability coverage limits only to regret that the savings was not a smart move. The ultimate goal is to get the best coverage possible at the best price but still have enough coverage for asset protection.