Best Ways to Spend Less When Shopping For Volkswagen GTI Insurance

Finding better insurance prices for your Volkswagen GTI could be an all-consuming task, but you can follow our auto insurance buying tips to find lower rates.

There is a right way and a wrong way to compare auto insurance rates and we’ll show you the absolute fastest way to get price quotes for your Volkswagen and find the lowest price.

It is always a good idea to get comparison quotes occasionally since rates are constantly changing. Just because you had the lowest rates for GTI coverage two years ago you can probably find a lower rate today. Ignore everything you know about auto insurance because we’re going to demonstrate the fastest way to eliminate unnecessary coverages and save money.

Pieces of the Volkswagen GTI rate puzzle

Smart consumers have a good feel for some of the elements that come into play when calculating your auto insurance rates. Understanding what influences your rates helps enable you to make changes that will entitle you to lower auto insurance prices.

Occupation reflects on rates – Did you know your job can affect your rates? Occupations like doctors, social workers and stock brokers are shown to have the highest rates due to stressful work requirements and long work hours. On the other hand, occupations such as farmers, students and homemakers pay the least for GTI coverage.
Never let your coverage lapse – Allowing your coverage to lapse will be a guaranteed way to increase your auto insurance rates. Not only will you pay more, but not being able to provide proof of insurance might get you a license revocation or jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
Men fork out a little more – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Both sexes tend to get into accidents in similar percentages, but the male of the species cause more damage. Men also tend to have more aggressive citations such as DWI and reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and thus pay the highest rates.
Don’t skimp on liability – Liability coverage provides coverage in the event that you are found liable for causing damage or personal injury in an accident. It provides for a legal defense which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
Do you know your deductibles? – Physical damage deductibles represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some instances where coverage would apply could be colliding with a building, damage from fire, and burglary. The more money you are required to pay out-of-pocket, the bigger discount you will receive for GTI coverage.
Pay less if you’re married – Having a spouse actually saves money on your policy. Having a spouse translates into being more mature and it’s proven that being married results in fewer claims.
Better credit means lower rates – Having a bad credit history is a important factor in determining what you pay for auto insurance. So if your credit score is not that good, you could be paying less to insure your Volkswagen GTI by spending a little time repairing your credit. Consumers who have high credit scores tend to be less risk to insure than those with lower credit scores.
Do you qualify for a multi-policy discount? – Most insurers provide better rates to customers who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to compare rates to ensure the best deal.

Finding Auto Insurance

Most major insurance companies like Allstate and Progressive give coverage prices directly from their websites. Obtaining pricing is quite easy as you simply type in the coverage amounts you desire into a form. Once entered, their rating system will obtain your driving and credit reports and quotes a price.

This makes comparing rates easy, but the work required to visit many different websites and fill out multiple forms is not the best way to spend an afternoon. But it’s very important to perform this step in order to find a lower rate.

The better way to compare rates

The quickest way to locate the lowest prices makes use of a single form to return rates from a lot of companies. This type of form saves time, reduces the work, and makes comparison shopping much more efficient. After your information is entered, it gets priced and you are able to buy your choice of the returned quotes.

If a lower price is quoted, you can click and sign and buy the new coverage. The whole process only takes a few minutes and you will know how your current rates stack up.

To compare rates now, click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you complete the form with deductibles and limits identical to your current policy. This guarantees you will be getting comparison quotes for similar insurance coverage.

Are auto insurance companies telling the truth?

Allstate and Progressive regularly use television and radio advertisements. All the companies make the same claim that you’ll save big if you move to their company. How does each company say the same thing? It’s all in the numbers.

All companies can use profiling for the right customer they prefer to insure. For example, a driver they prefer might be profiled as between the ages of 30 and 50, owns a home, and has excellent credit. Any driver who fits that profile will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies. car insurance quote

Potential insureds who fall outside the “perfect” profile will be quoted higher rates which usually ends up with business going elsewhere. The ad wording is “customers that switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can make the claims of big savings.

This emphasizes why drivers must get a wide range of price quotes. It’s just too difficult to predict the company that will give you the biggest savings.

These discounts can lower your rates

The price of auto insurance can be rather high, but companies offer discounts to help bring down the price. A few discounts will automatically apply at the time of purchase, but less common discounts must be specially asked for before they will apply.

Government Employees – Being employed by or retired from a federal job can save as much as 8% for GTI coverage with select insurance companies.
New Vehicle Savings – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
Anti-theft System – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
No Charge for an Accident – Some insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a set time period.
Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can receive discounts of more than 20%.

It’s important to understand that most discount credits are not given to all coverage premiums. Most cut the price of certain insurance coverages like comp or med pay. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will bring down the cost of coverage.

Are insurance agents a thing of the past?

Some people just want to get advice from a local agent and that is OK! The biggest benefit of comparing rates online is that you can obtain better rates but still work with a licensed agent. Supporting local agencies is especially important in smaller rural communities.

By using this simple form, the coverage information gets sent to local insurance agents who will give you bids to get your business. There is no reason to drive around due to the fact that quote results will go to the email address you provide. It doesn’t get any easier! You can find the lowest rates and work with a local agent.

Best car insurance agent

When looking for a reputable insurance agent or broker, there are two types of agencies from which to choose. Agencies can either be independent (non-captive) or captive.

Independent Agents

These agents are not required to write business for one company but instead can place your coverage amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies and you don’t have to find a new agent.

When comparison shopping, you should always include at a minimum one independent agency to ensure the widest selection of prices. They also have the ability to place coverage with smaller regional carriers which may provide better rates.

Captive Insurance Agents

Captive insurance agents have only one company to place business with like AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They are unable to give you multiple price quotes so they are skilled at selling on more than just price. Captives are well schooled on the products they sell and that can be a competitive advantage. Some consumers prefer to buy insurance from these agents mostly because of high brand loyalty and strong financial ratings.

To view a full list of agencies, visit this site.

Deciding on a car insurance agent requires more thought than just the premium amount. These are valid questions to ask:

What insurance companies do they recommend if they are an independent agent?
How often do they review policy coverages?
How much will you save each year by using a higher deductible?
If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Will their companies depreciate repairs to your car based on the mileage?
Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
How long has their agency been open?
If you are a high risk driver, do they have special markets for your coverage?

Once you have positive responses as well as a affordable price, you’ve probably found a car insurance agent that will properly service your auto insurance policy.

Your personal situation dictates your coverage

When it comes to buying coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different.

For example, these questions can aid in determining whether or not you will benefit from professional help.

Does my insurance cover my expensive audio equipment?
Is my Volkswagen GTI covered for smoke damage?
Do I have coverage for damage caused while driving under the influence?
Am I covered when driving on a suspended license?
How many claims can I have before being cancelled?
Am I getting all the discounts available?
Is my dog or cat covered if injured in an accident?
Are split liability limits better than a combined single limit?
At what point should I drop full coverage?
Exactly who is provided coverage by my policy?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, simply complete this short form.

One last thing about your coverage

We just showed you a lot of tips how to reduce Volkswagen GTI insurance prices online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with the least-expected company.

Consumers change insurance companies for a number of reasons such as denial of a claim, delays in responding to claim requests, being labeled a high risk driver or even poor customer service. Whatever your reason, switching auto insurance companies can be easier than you think.

When you buy insurance online, do not buy less coverage just to save a little money. There have been many situations where an accident victim reduced comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.