Searching for the cheapest insurance coverage rates for your Volkswagen GTI? Have you had enough of robbing Peter to pay Paul to insure your Volkswagen every month? You are in the same boat as most other car owners. There is such a variety of car insurance companies to insure vehicles with, and even though it’s nice to have a choice, having more car insurance companies makes it harder to find the lowest rates.
It’s a good idea to do rate comparisons at least once a year due to the fact that insurance rates fluctuate regularly. If you had the best deal on GTI coverage a couple years back you may be paying too much now. Forget anything you know (or think you know) about insurance coverage because you’re about to find out the fastest and easiest way to lower your rates without sacrificing coverage.
Reducing your 2013 Volkswagen GTI insurance rates is a fairly straight forward process. Drivers just need to invest a little time to get quotes online from several insurance companies. This is very easy and can be done in just a few minutes using one of these methods.
For a list of links to insurance companies in your area, click here.
Whichever way you use, compare apples-to-apples deductibles and coverage limits for each price quote. If you compare different values for each quote it will be next to impossible to determine the lowest rate for your Volkswagen GTI.
Car insurance companies don’t always list all their discounts in an easy-to-find place, so we researched both the well known as well as the least known savings tricks you should be using. If they aren’t giving you every credit possible, you are throwing money away.
Keep in mind that most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, insurance coverage companies aren’t that generous.
Car insurance companies that may have these benefits include:
Double check with each insurance company how you can save money. Some discounts might not be offered in every state.
When it comes to buying the right insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if your situation might need an agent’s assistance.
If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.
Knowing the specifics of auto insurance aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages available from auto insurance companies.
Liability insurance can cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.
Liability coverage pays for claims such as pain and suffering, medical expenses and attorney fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Volkswagen GTI.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like falling objects, damage from a tornado or hurricane and damage from getting keyed. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Medical payments coverage and PIP
Coverage for medical payments and/or PIP provide coverage for immediate expenses such as X-ray expenses, pain medications and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available and may carry a deductible
Collision coverage will pay to fix damage to your GTI from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as sustaining damage from a pot hole, sideswiping another vehicle, driving through your garage door, hitting a parking meter and backing into a parked car. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.