2017 Volkswagen e-Golf Car Insurance Cost

Looking for the cheapest auto insurance rates for your Volkswagen e-Golf? Have you finally had enough of paying out the nose to keep your car insured? You’re in the same situation as the majority of other drivers.

Drivers have so many insurance companies to insure vehicles with, and although it’s a good thing to have multiple companies, it makes it harder to get the best deal.

Consumers need to get comparison quotes occasionally since prices are rarely the same from one policy term to another. If you had the lowest price for e-Golf coverage a few years ago other companies may now be cheaper. Block out anything you think you know about auto insurance because I’m going to teach you the tricks you need to know to save money, get proper coverage and the best rates.

Choosing the best insurance company for you is quite easy. If you are paying for car insurance now, you will be able to lower your premiums substantially using these techniques. Nevertheless, consumers do need to learn how insurance companies price online insurance.

Don’t overlook these insurance coverage discounts

Some insurers don’t always advertise every discount they offer in an easy-to-find place, so the below list has a few of the more common and also the more inconspicuous credits available to lower your premiums when you buy auto insurance online.

  • Anti-lock Brake Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and the ABS can save up to 10%.
  • Use Seat Belts – Requiring all passengers to buckle up before driving can save a little on the premium charged for medical payments and/or PIP.
  • Renewal Discounts – Select insurance companies give a discount for buying a new policy before your current expiration date. It can save you around 10%.
  • Membership in Organizations – Being in certain professional organizations could qualify you for a break on your bill.
  • Multi-car Discount – Buying a policy with primary and secondary vehicles on one policy can reduce the rates for all insured vehicles.
  • Good Student Discount – Maintaining excellent grades may save as much as 25% on a auto insurance quote. The good student discount can last well after school through age 25.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.

You can save money using discounts, but most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, nobody gets a free ride.

The best insurance coverage companies and their offered discounts are included below.

  • Mercury Insurance may offer discounts for ease of repair, multi-car, professional/association, annual mileage, and location of vehicle.
  • Farmers Insurance offers premium reductions for alternative fuel, good student, teen driver, multi-car, mature driver, and early shopping.
  • Farm Bureau policyholders can earn discounts including 55 and retired, driver training, safe driver, youthful driver, good student, and multi-vehicle.
  • State Farm offers discounts for good driver, good student, safe vehicle, driver’s education, multiple policy, and multiple autos.
  • Allstate includes discounts for good payer, premier plus, farm vehicle, multi-policy, auto/life discount, and FullPay discount.
  • Geico has discounts for anti-lock brakes, daytime running lights, driver training, military active duty, emergency military deployment, and multi-policy.

When getting a coverage quote, ask each company which discounts you qualify for. All car insurance discounts may not apply in your area. To view insurance companies that offer discounts, follow this link.

Ways to get car insurance price quotes

All major car insurance companies like Progressive, Allstate and Geico give insurance quotes from their websites. Obtaining pricing is possible for anyone because it’s just a matter of typing in the amount of coverage you want into a form. Behind the scenes, their system orders information on your driving record and credit history and quotes a price determined by many factors. Online price quotes makes it easy to compare insurance prices but the work required to visit a lot of sites and fill out multiple forms can get tiresome after awhile. But it’s also necessary to perform this step if you want to find better car insurance pricing.

A quicker way to find better car insurance pricing utilizes a single form to obtain quotes from a lot of companies. The form is fast, reduces the work, and makes online shopping much simpler. As soon as the form is sent, your coverage is rated and you can select your choice of the quotes returned. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The whole process takes less than 15 minutes and you will know how your current rates stack up.

To save time and compare rates using this form now, click here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you enter the insurance coverages identical to your current policy. This guarantees you will have a fair comparison using the same coverage and limits.

When to get professional advice

When buying the best car insurance coverage, there really is not a cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For instance, these questions can aid in determining if you might need professional guidance.

  • Do I need more liability coverage?
  • What is the minimum liability in my state?
  • Am I covered when pulling a rental trailer?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I have newly-aquired coverage?
  • Is rental equipment covered for theft or damage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my liability insurance cover pulling a trailer or camper?
  • How can I get high-risk coverage after a DUI?
  • Does insurance cover damages from a DUI accident?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Insurance coverage options for a Volkswagen e-Golf

Understanding the coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average insurance policy.

Collision protection

Collision insurance covers damage to your e-Golf resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, sustaining damage from a pot hole, driving through your garage door and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.


This protects you from injuries or damage you cause to other people or property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things such as medical services, legal defense fees, repair bills for other people’s vehicles, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for bills for things like nursing services, hospital visits and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, theft and damage from a tornado or hurricane. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2017 Volkswagen e-Golf.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Don’t throw your cash in the trash

More affordable insurance coverage is available from both online companies as well as from insurance agents, so you need to quote auto insurance with both to have the best selection. There are still a few companies who may not offer online rate quotes and these smaller companies only sell coverage through independent insurance agencies.

When getting auto insurance quotes online, make sure you don’t reduce coverage to reduce premium. In too many instances, someone sacrificed uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. The goal is to find the BEST coverage at the lowest possible cost, but do not skimp to save money.

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