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Volkswagen Golf GTI Insurance Rates

There are many options when trying to insure your Volkswagen vehicle. You can buy from an agent or get quotes online to check prices from a lot of car insurance companies. Finding cheaper car insurance through online companies saves time, is easy to do and there is a good chance you can save money.

Finding the best direct price on car insurance can be a challenge if you are a beginner to online quotes. Don't let that stop you because it's actually quite easy. There are several ways to compare quotes from car insurance companies in your area. The quickest method to find competitive Golf GTI insurance quotes is to perform an online rate comparison. This can be accomplished by completing this short form.

Car insurance premiums for your Volkswagen Golf GTI can vary widely and are calculated by many factors. Some of these factors include:

  • High performance increases premiums
  • Any accidents you may have
  • Home/auto policy bundles save money
  • Pleasure, commuting or business use can affect rates
  • Your age
  • Having a spouse can save money
  • Extra coverages like towing and rental
  • Your occupation
  • The amount of protection requested
  • Whether you own your home

An additional factor which can affect Golf GTI insurance rates is the year of the vehicle. Models that are a few years old cost less than newer models so the payout to repair may end up costing you less. But newer models may have safety features including a telematics system, adaptive cruise control, and traction control which can give discounted rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Golf GTI below.

Coverage for liability

This protects you from damage that occurs to other's property or people that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy higher limits if possible.

Collision coverage

This pays for damage to your Volkswagen resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Volkswagen Golf GTI Insurance Rates?