2013 Volkswagen GTI Car Insurance Rates

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.

Finding Insurance Deals

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.

  1. The first (and easiest) way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form keeps you from doing repetitive form entry for each company you want a rate for. One simple form will get you price quotes from several companies.
  2. A more time consuming way to find lower rates is to manually visit each individual company website and complete a new quote form. For instance, we’ll assume you want to compare rates from Liberty Mutual, Safeco and Farmers. To get each rate you have to go to every website and enter your policy data, which is why the first method is more popular.

    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.

Don’t pay full price with these discounts

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.

  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on GTI coverage depending on your company.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company may reduce the rate for each vehicle.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on GTI coverage than drivers with accidents.
  • Claim Free – Drivers with accident-free driving histories pay less when compared to bad drivers.
  • Life Insurance Discount – Some companies give a discount if you purchase life insurance from them.
  • Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.

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.

Your personal situation dictates your coverage

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.

  • Will I lose any money if I cancel my policy before it expires?
  • What happens if I owe more than my 2013 Volkswagen GTI is worth?
  • Is my 2013 Volkswagen GTI covered for smoke damage?
  • Does my policy pay for OEM or aftermarket parts?
  • Does insurance cover damages from a DUI accident?
  • How can I get my company to pay me more for my totalled car?
  • Can I rate high risk drivers on liability-only vehicles?
  • When does my teenage driver need to be added to my policy?

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.

The coverage is in the details

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 coverages

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.

Comprehensive coverage

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 insurance

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.