2012 Volkswagen Golf R Insurance Quotes in 2024 – 8 Discounts for Cheaper Rates

Looking for cheaper auto insurance rates for your Volkswagen Golf R? I really doubt anyone likes buying auto insurance, especially when the cost is way too high.

Many insurance companies vie to insure your vehicles, and it can be difficult to compare rates to find the lowest cost out there.

If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. Finding affordable coverage is not rocket science. Nevertheless, vehicle owners do need to know how companies sell insurance online.

How to shop auto insurance online

Most of the larger companies such as GEICO, State Farm and Progressive give price estimates from their websites. Getting quotes doesn’t take much effort because you just enter the coverage amounts you desire into the quote form. After you complete the form, the company’s rating system makes automated requests for credit information and your driving record and returns a price quote determined by many factors. Online price estimates helps simplify price comparisons, but the time it takes to visit several different sites and fill out multiple forms can get tiresome after awhile. But it’s necessary to compare as many rates as possible in order to find the lowest price.

Rate comparisons made easy

A more efficient way to find cheaper rates requires only one form that gets prices from a bunch of companies at once. It saves time, reduces the work, and makes rate comparisons much easier to do. Immediately after you send the form, it gets priced and you can select any of the price quotes you receive. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. It can be completed in a matter of minutes and can result in significant savings.

In order to find out how much you’re overpaying now, simply enter your zip code here and enter your information. If you have your current policy handy, we recommend you type in the coverages exactly as shown on your declarations page. Using the same limits helps guarantee you will have a rate comparison for similar coverage.

Discounts can really help lower premiums

Auto insurance is not an enjoyable expense, but you might be missing out on some discounts that many consumers don’t even know exist. Many discounts should be triggered when you purchase, but occasionally some discounts must be asked about in order for you to get them. If you’re not getting every credit you qualify for, you could be saving more on your auto insurance.

• Claim-Free Discount – Drivers who don’t have accidents get the best auto insurance rates in comparison to frequent claim filers.
• Multi-car Discount – Purchasing coverage when you have all your vehicles with the same company qualifies for this discount.
• Active Service Discounts – Having a deployed family member can result in better auto insurance rates.
• Senior Citizens – Drivers over the age of 55 may qualify for a small discount on rates on Golf R coverage.
• Pay Early and Save – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
• E-sign – Some larger companies will give a small break for completing your application on your computer.
• Driver Safety – Passing a course in defensive driver may get you a small discount and easily pay for the cost of the class.
• Student Discounts – Performing well in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students until age 25.

Consumers should know that most discount credits are not given to the entire cost. Most cut the price of certain insurance coverages like comp or med pay. So even though they make it sound like you can get free auto insurance, auto insurance companies aren’t that generous.

The best auto insurance companies and their possible discounts are included below.

• Progressive policyholders can earn discounts including continuous coverage, online signing, online quote discount, homeowner, multi-vehicle, multi-policy, and good student.
• SAFECO may have discounts that include teen safe driver, safe driver, anti-lock brakes, drive less, anti-theft, bundle discounts, and homeowner.
• American Family offers discounts including TimeAway discount, defensive driver, bundled insurance, accident-free, air bags, and good student.
• MetLife may include discounts for multi-policy, claim-free, accident-free, good student, defensive driver, and good driver.
• GEICO has savings for multi-vehicle, daytime running lights, driver training, defensive driver, and anti-lock brakes.
• The Hartford may offer discounts for anti-theft, vehicle fuel type, bundle, air bag, defensive driver, driver training, and good student.

Double check with each company or agent to give you their best rates. Some discounts listed above may not apply to policyholders in your area. To find companies who offer discounts, enter your zip code here.

Will just any policy work for me?

When it comes to choosing the best insurance coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions could help you determine if you might need professional guidance.

• Am I covered if hit by an uninsured driver?
• Am I covered if I wreck a rental car?
• Does my car insurance cover rental cars?
• Are split liability limits better than a combined single limit?
• Should I get collision insurance on every vehicle?
• Is my ex-spouse still covered by my policy?
• Can I rate high risk drivers on liability-only vehicles?
• At what point should I drop full coverage?
• Why am I required to buy high-risk coverage?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and enter your zip code.

Do drivers who switch really save $402 a year?

Respected companies like GEICO, State Farm and Progressive continually stream ads on television and other media. All the ads advertise the message about how much you will save just by moving your policy. It sounds good, but how can they all charge lower premium rates? This is how they do it.

Many companies can use profiling for the type of driver they prefer to insure. A good example of a driver they prefer might be described as over age 30, carries high limits, and drives less than 7,500 miles a year. Any customer that fits those parameters receive the lowest rate quotes and will most likely save a lot of money.

People who do not meet these standards will have to pay more expensive rates and business not being written. The ads state “drivers who switch” not “everyone who quotes” save that much money. This is how insurance companies can make the claims of big savings. Because of this risk profiling, it’s extremely important to do a rate comparison at every renewal. Because without a comparison, you cannot know the company that will provide you with the cheapest rates.

Auto insurance 101

Learning about specific coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types offered by insurance companies.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, theft, hail damage, damage from getting keyed and fire damage. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for expenses like EMT expenses, prosthetic devices and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage for liability – This will cover damage or injury you incur to people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as pain and suffering, loss of income and legal defense fees. How much coverage you buy is up to you, but consider buying as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your 2012 Volkswagen Golf R.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverages – Collision coverage will pay to fix damage to your Golf R resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as damaging your car on a curb, colliding with another moving vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Take this to the bank

Lower-priced insurance is definitely available both online in addition to local insurance agencies, and you should compare rates from both to get a complete price analysis. A few companies do not provide rates over the internet and these smaller providers provide coverage only through independent agents.

We just showed you many ways to reduce 2012 Volkswagen Golf R insurance rates online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a smaller regional carrier. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.