How Much Does 2016 Volkswagen Golf GTI Insurance Cost?

Trying to find better car insurance rates for your Volkswagen Golf GTI? Pricey Volkswagen Golf GTI insurance can deplete your savings and make it impossible to make ends meet. Performing a rate comparison is an excellent way to ensure you are getting the best deal.

You have multiple auto insurance companies to insure vehicles with, and although it’s a good thing to have a choice, too many choices makes it more difficult to locate the cheapest rates.

Finding the best rates is not rocket science. Essentially everyone who is required by state law to have auto insurance stands a good chance to be able to reduce their rates. Nevertheless, drivers need to have an understanding of how the larger insurance companies market on the web.

Compare free insurance coverage price quotes

Most companies make it easy to get pricing direct online. The process is fairly straightforward because you just enter the coverage amounts you desire into the form. Behind the scenes, the system requests reports for credit and driving violations and returns a price quote. Online price quotes makes it a lot easier to compare rates but having to visit each company’s website and repetitively enter the same data into a form is a waste of time. Unfortunately, it is important to have as many quotes as possible in order to get the lowest price.

The easy way to compare rates

A better way to lower your insurance coverage bill requires only one form to return rates from several different companies. This type of form saves time, helps eliminate reptitive entry, and makes online price comparison a lot less work. After your information is entered, it is rated and you are able to buy your choice of the quotes returned. If you find a better price it’s easy to complete the application and purchase the new policy. This process takes 15 minutes at the most and may result in a nice savings.

To find out how much you can save on insurance coverage, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you duplicate coverages and limits identical to your current policy. Doing this assures you will have rate comparison quotes using the same coverage and limits.

Insurance companies offer lots of discounts

Insurance can be pricey, but you might find some hidden discounts to help offset the cost. Some trigger automatically when you quote, but once in a while a discount must be asked for prior to receiving the credit.

  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle up can save up to 10 percent (depending on the company) off the medical payments premium.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. This discount can apply up to age 25.
  • New Car Discount – Insuring a new car can cost up to 25% less due to better safety requirements for new model year vehicles.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags could see savings of more than 20%.
  • Membership in Organizations – Being in qualifying clubs or civic groups can get you a small discount on your bill.
  • ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control can avoid accidents so you can save 10 percent or more.
  • Bundled Policy Discount – When you have multiple policies with the same insurance company you may earn up to 20% off your total premium.

Just know that many deductions do not apply the the whole policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

To see a list of providers that can offer you the previously mentioned discounts, follow this link.

Do I just need basic coverages?

When buying the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different so this has to be addressed. These are some specific questions could help you determine whether or not you may require specific advice.

  • Am I covered if I crash into my own garage door?
  • Am I covered if I break a side mirror?
  • Can I still get insurance after a DUI?
  • What if I owe more than I can insure my car for?
  • How do I buy GAP insurance?
  • Can I afford to buy a different vehicle if my 2016 Volkswagen Golf GTI is totaled?
  • Can I make deliveries for my home business?
  • Am I covered if hit by an uninsured driver?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Educate yourself about insurance coverages

Learning about specific coverages of insurance can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on most insurance policies.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, rock chips in glass and hitting a deer. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability insurance – Liability insurance can cover damage that occurs to other people or property. This coverage protects you against claims from other people. Liability doesn’t cover 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. You commonly see limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as repair bills for other people’s vehicles, loss of income and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Collision – Collision insurance covers damage to your Golf GTI caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Volkswagen Golf GTI.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for immediate expenses like X-ray expenses, funeral costs and hospital visits. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible