Compare 2019 Volkswagen Golf R Insurance Cost in 2024

Are you regretting the purchase of overpriced auto insurance? Believe me when I say you are not the only one feeling buyer’s remorse. You have so many auto insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, having more insurers makes it harder to compare rates and find the lowest cost auto insurance.

The Volkswagen Golf R insurance cost equation

The best way to find cheaper insurance coverage is to take a look at the different types of things that go into determining the rates you pay for insurance coverage. When you understand what determines base rates, this helps enable you to make changes that could result in cheaper rates.

The items below are a few of the “ingredients” utilized by car insurance companies to help set premiums.

• Pay lower rates if you’re married – Being married may earn you lower rates on your policy. It translates into being more financially stable and insurance companies reward insureds because married couples file fewer claims.
• Lower rates with alarms and GPS tracking – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Systems that thwart theives like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent vehicle theft.
• Bundle and save – The majority of insurers give lower prices to customers that buy multiple policies in the form of a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. Even if you’re getting this discount consumers should still compare other company rates to ensure the best deal.
• Keep the miles off and save – Driving more miles every year the more you will pay for insurance coverage. Most insurance companies rate vehicles partially by how you use the vehicle. Autos that have low annual miles can get a lower rate than those that get driven frequently. Having an incorrect usage rating on your Golf R may be wasting your money. Verify your insurance coverage policy properly reflects the correct usage for each vehicle, because it can save money.
• Prevent policy lapses – Driving any period of time without insurance is a misdemeanor and as a result your rates will increase for letting your insurance expire. In addition to paying higher rates, failure to provide proof of insurance may result in a license revocation or jail time.
• Guys tend to take more risk – Over time, data shows that men are more aggressive behind the wheel. It does not mean females are better drivers. Women and men cause auto accidents in similar numbers, but the male of the species get into accidents with more damage. Men also tend to get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.
• Too many policy claims and you’ll pay more – Companies award better rates to insureds that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can definitely plan on either a policy non-renewal or much higher rates. Your car insurance is designed for more catestrophic claims.

The quickest method to compare car insurance rates is to realize all the major auto insurance companies allow for online access to give rate comparisons. To begin a comparison, all you need to do is give them rating details such as how your vehicles are used, if it has an anti-theft system, whether or not you need a SR-22, and your occupation. That information is then sent to many highly-rated insurers and you will receive price estimates almost instantly.

Save with these premium-slashing discounts

Insurance can be prohibitively expensive, but you might find some hidden discounts that you may not know about. Certain discounts will be triggered automatically when you quote, but a few need to be asked about in order for you to get them. If you are not receiving all the discounts you deserve, you’re paying more than you need to.

• Telematics Devices – Drivers who agree to allow their insurance company to monitor driving manner by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if their driving habits are good.
• Distant Student – who live away from home to go to college and do not take a car to college can receive lower rates.
• Discounts for Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Golf R coverage with some auto insurance companies.
• Drivers Education – Require your teen driver to take driver’s ed class if offered at their school.
• Senior Citizen Rates – Seniors can possibly qualify for better auto insurance rates for Golf R coverage.
• Seat Belt Usage – Drivers who require all occupants to buckle up before driving can save up to 15% off the medical payments premium.
• Multiple Vehicles – Buying insurance for multiple cars or trucks with the same auto insurance company can reduce the rates for all insured vehicles.
• Driver Safety – Taking part in a defensive driver course can save you 5% or more if your company offers it.

A quick disclaimer, most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as comp or med pay. If you do the math and it seems like you would end up receiving a 100% discount, you’re out of luck.

To see a list of insurance companies that offer many of these discounts, enter your zip code here.

Do I need special coverages?

When buying the best insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique so your insurance should reflect that For example, these questions may help you determine if you would benefit from an agent’s advice.

• Do I need an umbrella policy?
• Should I buy full coverage?
• Can I afford to buy a different vehicle if my 2019 Volkswagen Golf R is totaled?
• Should I buy only the required minimum liability coverage?
• Should I have a commercial auto policy?
• Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and enter your zip code. It is quick, free and can provide invaluable advice.

Car insurance policy coverages for a Volkswagen Golf R

Learning about specific coverages of your car insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most car insurance policies.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for immediate expenses for prosthetic devices, dental work, X-ray expenses, chiropractic care and pain medications. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision – This will pay to fix damage to your Golf R caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like rock chips in glass, vandalism and a broken windshield. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability auto insurance – This coverage provides protection from damage that occurs to other people or property in an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for things such as structural damage, pain and suffering, funeral expenses, attorney fees and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Best coverage at the best price

The cheapest 2019 Volkswagen Golf R insurance can be bought from both online companies in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies don’t offer rate quotes online and many times these smaller companies only sell through independent insurance agents.

As you quote auto insurance, it’s a bad idea to buy poor coverage just to save money. There are too many instances where an accident victim reduced uninsured motorist or liability limits to discover at claim time that the savings was not a smart move. Your strategy should be to find the BEST coverage at a price you can afford.

We just presented some good ideas how you can compare 2019 Volkswagen Golf R insurance rates online. The most important thing to understand is the more quotes you get, the better likelihood of getting affordable auto insurance. You may even find the biggest savings come from a small local company. Some small companies may only write in your state and offer lower car insurance rates compared to the large companies like Allstate and Progressive.