2015 Volkswagen Golf R Insurance Cost – 6 Ways to Save

Confused by the wide range of auto insurance sources that you can choose from? People have such a vast assortment of sources available that it can really be hard work to find the best rates.

Consumers need to shop coverage around yearly because auto insurance prices are constantly changing. Just because you had the lowest quotes for Golf R insurance at your last renewal the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding auto insurance out there, but you can learn a bunch of ideas how to buy auto insurance cheaper.

Insurance policy discounts

Auto insurance companies don’t always advertise all disounts very well, so below is a list some of the more common as well as the least known discounts that may be available.

  • Waiver for an Accident – This one isn’t a discount, but a few companies such as Progressive, Allstate, and Liberty Mutual will turn a blind eye to one accident before they charge you more for coverage if you have no claims before the accident.
  • Theft Deterent Discount – Cars and trucks with anti-theft systems can help prevent theft and will qualify for a discount on a auto insurance quote.
  • Responsible Driver Discount – Drivers without accidents can get discounts for up to 45% lower rates for Golf R insurance as compared to drivers with claims.
  • 55 and Retired – Mature drivers can get a slight reduction on a auto insurance quote for Golf R insurance.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you could earn a discount of approximately 10% to 15%.
  • No Claim Discounts – Claim-free drivers can save substantially compared to drivers who are more careless.

We need to note that some credits don’t apply to the entire policy premium. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though you would think all those discounts means the company will pay you, companies wouldn’t make money that way. But any discount will help reduce the amount you pay for coverage.

Auto insurance companies that may have some of the discounts shown above include:

Before purchasing a policy, check with all the companies what discounts are available to you. Some credits might not be offered in every state. To see insurers who offer online insurance quotes, click this link.

How much is insurance?

Shopping for lower insurance rates can take time and effort if you don’t utilize the fastest way to get free quotes. You could spend your day discussing policy coverages with agents in your area, or you can utilize online quoting for quick rates.

Most of the larger companies belong to an insurance system where prospective buyers submit their information once, and each participating company can give them a price. This system prevents you from having to do repetitive form submissions for each company.

To use this form to compare rates click here (opens in new window).

The only drawback to pricing coverage this way is that consumers can’t choose which carriers to receive prices from. If you would rather choose individual companies to compare, we have a page of insurance companies in your area. Click to view list.

Compare rates however you want, just do your best to use equivalent coverage limits for each comparison quote. If your comparisons have higher or lower deductibles it will be nearly impossible to determine the best price for your Volkswagen Golf R. Just slight variations in insurance coverages can make a big difference in price. Just keep in mind that comparing more rates from different companies gives you a better chance of getting the best rates.

How do I know if I need professional advice?

When buying coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions could help you determine if your situation may require specific advice.

  • Am I insured when driving a different vehicle?
  • Should I carry comprehensive and collision coverage?
  • Am I better off with higher deductibles on my 2015 Volkswagen Golf R?
  • Do I need motorclub coverage?
  • I have a DUI can I still get coverage?
  • Should I waive the damage coverage when renting a car?
  • When should I not file a claim?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Save 15 percent in 15 minutes? Is it for real?

Respected companies like Allstate, Geico and Progressive endlessly run ads on TV and radio. All the companies say the same thing that drivers will save a bundle just by switching your insurance coverage policy to them. How does each company offer drivers better rates? Just pay attention to how they say it.

Many companies give the best rates for a prospective insured that earns them the most money. One example of a desirable risk might be described as between 25 and 40, has no driving citations, and has a short commute. A driver who matches that profile will get a cheap rate quote and will also save a lot of money.

Insureds who may not quite match these standards may receive higher premiums which translates to the customer not purchasing. The trick companies use is to say “drivers that switch” not “everybody who quotes” can get the lowest rates when switching. That is how insurance companies can state the savings. This really illustrates why drivers must compare many company’s prices. You cannot predict the company that will have the best premium rates.

Insurance coverages 101

Having a good grasp of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Volkswagen Golf R.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for pain medications, prosthetic devices and doctor visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like damaging your car on a curb, hitting a mailbox and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Liability insurance – This coverage protects you from damage or injury you incur to other people or property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as structural damage, court costs, loss of income and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive protection – This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as vandalism, fire damage and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

A penny earned…

While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced collision coverage and learned later they didn’t purchase enough coverage. The goal is to buy a smart amount of coverage at the best price and still be able to protect your assets.

People change insurance companies for many reasons like unfair underwriting practices, an unsatisfactory settlement offer, policy non-renewal or even poor customer service. Whatever your reason, switching auto insurance companies is less work than it seems.

In this article, we covered a lot of techniques to save on 2015 Volkswagen Golf R insurance. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

More information is available at these links: