Shoppers have many options when shopping for the best price on Volkswagen GLI insurance. They can either spend hours calling around to get rate comparisons or utilize the internet to make rate comparisons. There are both good and bad ways to buy car insurance and we’ll show you the proper way to quote coverages for a new or used Volkswagen and obtain the lowest price either online or from local insurance agents.
You need to take a look at other company’s rates periodically due to the fact that insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rates on GLI insurance a few years ago you will most likely find a better rate today. Block out anything you think you know about car insurance because you’re about to find out the quickest way to find better coverage at a better price.
If you have insurance now or are looking for a new policy, you can use this information to cut your premiums while maximizing coverage. The purpose of this article is to instruct you on how to effectively get price quotes and some tips to save money. Vehicle owners just need to know the best way to shop online.
How to Compare Car Insurance
Getting better Volkswagen GLI car insurance pricing is actually quite simple. Just spend a few minutes to compare rate quotes provided by online insurance companies. This can be done in several different ways.
- One of the simplest ways to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This form keeps you from doing repetitive form submissions for every car insurance company. One form submission gets you price quotes from all major companies. It’s the fastest way to compare.
- A slightly less efficient method to get comparison quotes consists of going to each company’s website to complete a price quote. For instance, let’s say you want comparison quotes from Farmers, GEICO and Travelers. To get each rate you have to visit each site to enter your coverage information, which is why the first method is more popular.
For a list of links to insurance companies in your area, click here.
- The most time-consuming way of comparing rate quotes is driving to different agent offices. The internet eliminates the need for an insurance agent unless you prefer the trained guidance that only a license agent can provide. However, consumers can compare online quotes and still use a local agent and we’ll cover that in a bit.
It’s your choice how you get your quotes, but make darn sure you compare apples-to-apples coverage information for each comparison quote. If each company quotes different values for each quote you can’t possibly find the best deal for your Volkswagen GLI.
Save big with these six discounts
Car insurance companies don’t necessarily list all their discounts very well, so we took the time to find some of the best known and the more hidden discounts you could be receiving. If you don’t get every credit you qualify for, you are throwing money away.
- Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
- Lower Rates for Military – Having a deployed family member could mean lower rates.
- Club Memberships – Belonging to certain professional organizations may earn a discount when buying car insurance on GLI insurance.
- Claim Free – Drivers with accident-free driving histories pay much less when compared with frequent claim filers.
- Safe Driver Discount – Safe drivers may save up to 50% more on GLI insurance than drivers with accidents.
- More Vehicles More Savings – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
It’s important to note that many deductions do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think you could get a free car insurance policy, you won’t be that lucky.
For a list of companies offering car insurance discounts, follow this link.
But buying car insurance online seems impersonal
A small number of people would rather buy from a licensed agent and there is nothing wrong with that. Licensed agents can help determine the best coverages and help in the event of a claim. One of the great benefits of comparing insurance prices online is the fact that you can find the best rates but also keep your business local.
To find an agent, once you fill out this form (opens in new window), your insurance coverage information is instantly submitted to local insurance agents who will compete for your insurance coverage. You don’t have to leave your computer as quotes are delivered immediately to your email address. It doesn’t get any easier!
Choosing an insurance company needs to be determined by more than just the price. Agents should be asked these questions:
- Do they have any clout with companies to ensure a fair claim settlement?
- Are they full-time agents?
- Do the companies they represent have a solid financial rating?
- How long has their agency been open?
- If your car is in the repair shop, do you have coverage for a rental car?
- What insurance companies do they work with?
To select a specific agent in your state, visit this site.
Once you have acceptable answers for all questions you ask and an affordable coverage quote, you have narrowed it down to an provider that meets your needs to properly service your car insurance policy.
Car insurance coverages 101
Having a good grasp of your car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Liability
This will cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage pays for things such as emergency aid, legal defense fees and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.
Collision protection
Collision insurance covers damage to your GLI caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for things such as colliding with a tree, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.
UM/UIM Coverage
Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Volkswagen GLI.
Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.
Comprehensive or Other Than Collision
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like hitting a deer, damage from flooding, hail damage and a broken windshield. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Medical costs insurance
Coverage for medical payments and/or PIP kick in for expenses like EMT expenses, ambulance fees, X-ray expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Smart consumers save more
You just read a lot of tips how to shop for Volkswagen GLI insurance online. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even discover the best price on car insurance is with the least-expected company.
Consumers who switch companies do it for a variety of reasons including policy non-renewal, poor customer service, being labeled a high risk driver or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a great new company can be pretty painless.
As you restructure your insurance plan, make sure you don’t buy less coverage just to save a little money. In many cases, drivers have reduced full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.
