2014 Volkswagen GTI Car Insurance Rates

Looking for the cheapest insurance rates for your Volkswagen GTI? Have you had enough of not being able to afford to pay your car insurance bill each month? You are in the same boat as many other consumers. Popular companies such as Allstate, Liberty Mutual and State Farm all promote huge savings with advertising and it is challenging if not impossible to see through the deception and do the work needed to find the best deal.

You should take the time to get comparison quotes at least once a year since rates fluctuate regularly. Just because you found the lowest rates for GTI coverage a couple years back you may be paying too much now. So just ignore everything you know about insurance because it’s time to teach you the easiest way to reduce your cost while increasing coverage.

If you have a current car insurance policy or are just looking to switch companies, you will benefit by learning to cut your premiums while maintaining coverages. Choosing the best insurance company for you is quite easy. Vehicle owners just need to learn the best way to get comparison quotes online.

Don’t overlook these discounts

Companies offering auto insurance don’t necessarily list all available discounts in a way that’s easy to find, so the following is a list of some of the best known and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount available, you are paying more than you should be.

  • Government Employees – Active or retired federal employment can save as much as 8% for GTI coverage with certain companies.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Volkswagen could qualify for better rates on cars that stay parked.
  • Accident Forgiveness – Some insurance companies permit an accident without raising rates if you are claim-free for a set time period.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less for GTI coverage than drivers with accidents.
  • Multiple Cars – Buying insurance for all your vehicles on the same insurance coverage policy could earn a price break for each car.
  • Lower Rates for Military – Having a family member in the military can result in better rates.
  • New Vehicle Savings – Insuring a new car can save up to 30% compared to insuring an older model.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for GTI coverage.
  • Good Student – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.

Keep in mind that most of the big mark downs will not be given to the entire cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

For a list of insurance companies with discount insurance coverage rates, click here.

Is my situation unique?

When choosing the best car insurance coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions might point out if you could use an agent’s help.

  • Do I have any recourse if my insurance company denies a claim?
  • What is PIP insurance?
  • What is UM/UIM insurance?
  • Am I covered when pulling a rental trailer?
  • Can I afford to buy a different vehicle if my 2014 Volkswagen GTI is totaled?
  • Is my dog or cat covered if injured in an accident?
  • Do I really need UM/UIM coverage?
  • Do I need replacement cost coverage?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance 101

Understanding the coverages of car insurance aids in choosing 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. These are the normal coverages available from car insurance companies.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Volkswagen GTI.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like dental work, rehabilitation expenses, doctor visits and surgery. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability coverage

This coverage will cover damage or injury you incur to other’s property or people. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like attorney fees, medical services and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, vandalism and theft. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage covers damage to your GTI resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as rolling your car, crashing into a ditch, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Affordable insurance is out there

We’ve covered a lot of information how to lower your 2014 Volkswagen GTI insurance rates. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. You may even find the lowest rates come from a company that doesn’t do a lot of advertising. Regional companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

The cheapest insurance can be bought both online and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not offer online price quotes and these small insurance companies work with independent agents.

Much more information about car insurance can be read on the following sites: