View 2020 Volkswagen Golf GTI Insurance Quotes in 2024

Looking for lower auto insurance rates for your Volkswagen Golf GTI? Are you a victim of an expensive auto insurance policy? Don’t sweat it because many consumers are in the same pinch. Companies like Progressive, GEICO and Farmers Insurance all promote huge savings with ads and it is difficult to see past the geckos and flying pigs and do the work needed to find the best deal.

It’s a great practice to quote other rates yearly because auto insurance rates are adjusted regularly by insurance companies. Even if you got the lowest premium rates for Golf GTI coverage six months ago there is a good chance you can find better prices now. Don’t believe everything you read about auto insurance online, but in this article, you’re going to get some solid techniques on how to find affordable auto insurance.

If you have insurance now or need a new policy, you can learn to cut your premiums and still get good coverage. Finding the best rates is not rocket science. Consumers only need to know the tricks to compare price quotes online.

Which insurance is cheapest?

There are multiple methods to compare insurance prices but some are less time-consuming than others. You could waste time discussing policy coverages with local insurance agents in your area, or you could save time and use the internet for quick rates.

Many insurance companies are enrolled in a marketplace where prospective buyers enter their policy data once, and each company then gives them pricing based on that information. This system prevents you from having to do form submissions to every company. To use this form to compare rates enter your zip code here.

The one downside to doing it this way is that you can’t choose which carriers you want pricing from. If you prefer to choose from a list of companies for rate comparison, we put together a list of companies who write insurance in your area. Click to enter zip code for insurance companies.

Whichever method you choose, be sure you’re using equivalent coverages and limits on every price quote you get. If you have different values for each quote you will not be able to determine the lowest rate for your Volkswagen Golf GTI.

Insurance discounts help cut rates

Insuring your fleet can be pricey, but you might already qualify for some discounts that you may not even be aware of. Certain discounts will be applied when you purchase, but a few must be asked for in order for you to get them.

• Save with a New Car – Adding a new car to your policy can save you some money because newer models have to meet stringent safety requirements.
• Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts could save 15% off the medical payments premium.
• Onboard Data Collection – Drivers who agree to allow companies to study driving manner by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they show good driving skills.
• Accident Forgiveness – Not really a discount, but companies like Progressive, Allstate, and GEICO allow you one accident without getting socked with a rate hike if you have no claims prior to the accident.
• Discounts for Federal Employees – Having worked for a branch of the government can save as much as 8% for Golf GTI coverage with a few insurance companies.
• Discount for Switching Early – A few larger companies offer discounts for buying a policy early. Ten percent is about the average savings.
• Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of 25 to 30%.
• Pay Early and Save – By paying your entire bill at once rather than paying in monthly installments you may have a lower total premium amount.
• Memberships – Affiliation with specific professional or occupational memberships or organizations could trigger savings on your policy.
• Multiple Policy Discount – If you combine your auto and homeowners policies with one insurance company you may save up to 20% and get you the cheapest insurance coverage.

Drivers should understand that most of the big mark downs will not be given to the whole policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, nobody gets a free ride. But any discount should help lower the cost of your policy.

Large insurance companies and a summarized list of policyholder discounts can be found below.

• GEICO has savings for federal employee, daytime running lights, good student, air bags, multi-policy, and emergency military deployment.
• Auto-Owners Insurance discounts include company car, paperless, safe driver, student away at school, and good student.
• American Family policyholders can earn discounts including accident-free, good driver, early bird, air bags, and Steer into Savings.
• Esurance may offer discounts for multi-car, online quote, Pac-12 alumni, emergency road assistance, multi-policy, homeowner, and good driver.
• Progressive has discounts for multi-policy, continuous coverage, good student, multi-vehicle, online quote discount, online signing, and homeowner.
• State Farm offers premium reductions for good student, driver’s education, student away at school, Drive Safe & Save, and Steer Clear safe driver discount.
• AAA offers discounts for AAA membership discount, pay-in-full, good student, multi-car, multi-policy, and anti-theft.

Before you buy a policy, ask every prospective company which credits you are entitled to. Some discounts may not be offered in your area. To locate companies with significant discounts, enter your zip code here.

Which is the best auto insurance?

When buying adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions can help discover if your situation would benefit from professional advice.

• Does my medical payments coverage pay my health insurance deductible?
• Is a new car covered when I drive it off the dealer lot?
• Will my rates increase for filing one claim?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Does coverage extend to Mexico or Canada?
• Why does it cost so much to insure a teen driver?
• What if I owe more than I can insure my car for?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

Learn about car insurance coverages for a Volkswagen Golf GTI

Understanding the coverages of a car insurance policy can help you determine which coverages you need for your vehicles. Car insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find the normal coverages available from car insurance companies.

Collision coverages – This coverage covers damage to your Golf GTI from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as scraping a guard rail, colliding with another moving vehicle, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Coverage for liability – Liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, 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 can pay for claims like legal defense fees, pain and suffering, funeral expenses and emergency aid. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for expenses like X-ray expenses, nursing services and ambulance fees. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – This provides protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Volkswagen Golf GTI.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive car insurance – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from getting keyed, a tree branch falling on your vehicle and hitting a bird. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.