View 2011 Volkswagen GTI Insurance Rates

Want better auto insurance rates for your Volkswagen GTI? Searching for affordable auto insurance on the web can be problematic for people who are new to buying insurance online. Since there are so many choices, how can anyone effectively compare every company to locate the best pricing?

Discounts on Volkswagen GTI insurance

Properly insuring your vehicles can get expensive, but you can get discounts that many people don’t even know exist. Certain discounts will be applied at quote time, but some may not be applied and must be manually applied in order for you to get them.

  • Multiple Cars – Buying insurance for all your vehicles on the same insurance coverage policy could earn a price break for each car.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Seat Belt Usage – Drivers who require all occupants to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you will save 10% to 20% off each policy.
  • Discount for New Cars – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Life Insurance – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Air Bag Discount – Factory air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • No Claims – Good drivers with no accidents pay less when compared with frequent claim filers.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will help reduce the amount you have to pay.

To see a list of providers with the best insurance coverage discounts, follow this link.

Compare Insurance Coverage Today

All the larger insurance coverage companies like Geico, State Farm and Progressive provide insurance quotes directly from their websites. Getting quotes doesn’t take much effort as you just enter the coverage amounts you desire as requested by the quote form. After the form is submitted, their system pulls your driving and credit reports and gives you a price quote determined by many factors.

Being able to quote online makes comparing rates easy, but the work required to visit different websites and complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to have as many quotes as possible if you want to find the lowest price.

The smarter way to lower your rates uses one form to return rates from a lot of companies. It saves time, helps eliminate reptitive entry, and makes online quotes much more enjoyable. As soon as you send your information, it is rated with multiple companies and you can pick any one of the quotes that you receive.

If the quotes result in lower rates, you simply finish the application and buy the policy. This process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To find out how much you’re overpaying now, click here to open in a new tab and submit the form. If you have a policy now, it’s recommended you copy the coverages identical to your current policy. This guarantees you will have an apples-to-apples comparison based on similar coverages.

Factors influencing Volkswagen GTI insurance rates

Consumers need to have an understanding of some of the elements that go into determining your insurance coverage rates. When you know what positively or negatively influences your rates helps enable you to make changes that will entitle you to lower insurance coverage prices.

Listed below are a partial list of the pieces that factor into prices.

  • Better credit scores mean better rates – Having a bad credit rating is a large factor in calculating your insurance coverage rates. People with high credit scores tend to be more responsible than drivers with lower credit scores. If your credit score can use some improvement, you could pay less to insure your 2011 Volkswagen GTI by improving your rating.
  • Pay less after the wedding – Getting married helps lower the price on your policy. Having a spouse is viewed as being more responsible and statistics show being married results in fewer claims.
  • Policy add-ons can waste money – There are a lot of add-on coverages you can purchase on your GTI policy. Things like vanishing deductibles, better glass coverage and membership fees may be costing you every month. These coverages may sound good when you first buy your policy, but your needs may have changed so remove them from your policy.
  • Males pay more for insurance – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes are in accidents at about the same rate, but the men cause more damage. Men also statistically get cited for more serious violations like reckless driving and DUI. Teenage male drivers tend to get in the most accidents and are penalized with high insurance coverage rates.

Tailor your coverage to you

When buying adequate coverage, there really is no cookie cutter policy. Everyone’s needs are different.

For instance, these questions can help discover if your insurance needs might need an agent’s assistance.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Does coverage extend to a rental car in a foreign country?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does my policy cover my teen driver if they drive my company car?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can I afford low physical damage deductibles?
  • Why am I required to buy liability insurance?
  • If my pet gets injured in an accident are they covered?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverage options for a 2011 Volkswagen GTI

Understanding the coverages of your car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for collisions

Collision coverage will pay to fix damage to your GTI resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with a tree, damaging your car on a curb, scraping a guard rail, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, damage from flooding, hail damage and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability

This coverage can cover damage that occurs to a person or their property that is your fault. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like bail bonds, pain and suffering, court costs, medical expenses and medical services. How much coverage you buy is your choice, but buy as much as you can afford.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills for things like rehabilitation expenses, prosthetic devices, hospital visits and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Have the Midas touch

While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where an insured dropped full coverage and discovered at claim time they didn’t have enough coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

People who switch companies do it for any number of reasons including poor customer service, not issuing a premium refund, an unsatisfactory settlement offer and lack of trust in their agent. It doesn’t matter what your reason, choosing a new insurance company can be less work than you think.

Lower-priced 2011 Volkswagen GTI insurance is possible online and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

Additional insurance coverage information can be found on the following sites: