Lower Your 2017 Volkswagen Golf R Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2024

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No normal person likes having to buy car insurance, especially when they know they could get a better deal. With people having so many companies and agents to choose from, it’s nearly impossible to find a lower cost insurance company.

Smart consumers take time to do price comparisons every six months because insurance prices are constantly changing. Just because you found the lowest price for Golf R coverage at your last renewal a different company probably has better rates today. There is too much inaccurate information about car insurance on the web, but in just a couple of minutes you can learn some great ways to find cheap car insurance.

Cheaper insurance coverage quotes with discounts

Some insurers don’t always publicize all discounts very clearly, so below is a list both the well known in addition to some of the lesser obvious credits that may apply to you.

  • Driver’s Education for Students – Have your child participate in a local driver’s education class as it can save substantially.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you may earn up to 20% and get you low cost insurance.
  • Payment Discounts – If you pay your bill all at once rather than spreading payments over time you may have a lower total premium amount.
  • Government Employee Discount – Federal government employees could qualify for a slight premium decrease for Golf R coverage with select insurance companies.
  • One Accident Forgiven – This one is not really a discount per se, but a few companies such as GEICO, Allstate and Liberty Mutual will allow you to have one accident without the usual rate increase if your claims history is clear for a set time period.
  • Distant College Student Discount – Children who are enrolled in higher education away from home and don’t have a car could get you a discount.
  • Multiple Cars – Buying a policy with multiple vehicles with the same company can get a discount for every vehicle.
  • Homeowners Discount – Just owning your own home can get you a discount since owning and maintaining a home shows financial diligence.

Please keep in mind that most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way.

A list of insurance coverage companies and their offered discounts are:

  • 21st Century policyholders can earn discounts including early bird, good student, defensive driver, student driver, anti-lock brakes, and homeowners.
  • Progressive discounts include online quote discount, multi-policy, continuous coverage, good student, online signing, multi-vehicle, and homeowner.
  • State Farm offers discounts for multiple autos, good student, Drive Safe & Save, Steer Clear safe driver discount, and good driver.
  • Nationwide includes discounts for easy pay, defensive driving, multi-policy, accident-free, and family plan.
  • Esurance offers premium reductions for online quote, safety device, emergency road assistance, defensive driver, and anti-theft.
  • The Hartford may offer discounts for driver training, bundle, vehicle fuel type, defensive driver, and air bag.

If you are trying to find cheap insurance quotes, ask every insurance company which credits you are entitled to. Some credits might not be offered in your area. To find insurers with the best discounts, enter your zip code here.

Five tips to get lower-cost insurance prices

Consumers need to have an understanding of the factors that go into determining your car insurance rates. If you know what determines base rates, this empowers consumers to make smart changes that could help you find lower rates.

The list below includes some of the most common factors car insurance companies consider when setting your premiums.

  • Liability coverage limits on your policy – The liability coverage on your policy is the protection if you are determined to be liable for causing personal injury or damage in an accident. Your policy’s liability insurance provides you with a defense in court to defend your case. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Too many car insurance claims and you’ll pay more – Companies award lower rates to drivers who do not file claims often. If you are the type of insured that files lots of claims you can look forward to much higher rates or policy non-renewal. Your insurance policy is meant to be used in the event of more catestrophic claims.
  • Extra coverages you don’t use – Insurance policies have a lot of optional add-on coverages that can waste your money on your car insurance policy. Coverage for things like vanishing deductibles, accidental death, and motor club memberships are some examples. You may think they are a good idea when buying your policy, but if they’re wasting money get rid of them and save.
  • Avoid car insurance lapses – Having a lapse in insurance coverage is a fast way to increase your car insurance rates. Not only will rates go up, failure to provide proof of insurance could earn you a hefty fine and possibly a revoked license.
  • Lower premiums for cars with good safety ratings – Safe vehicles tend to be cheaper to insure. Highly rated vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies and cheaper rates on your policy. If your Volkswagen has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Every insured’s situation is different so your insurance should reflect that These are some specific questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Is business equipment covered while in my vehicle?
  • Does medical payments coverage apply to all occupants?
  • Where can I get insurance after a DUI in my state?
  • Is my teen driver covered when they drive my company car?
  • Is upholstery damage covered by car insurance?
  • Do I have coverage when making deliveries for my home business?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and enter your zip code. It’s fast, doesn’t cost anything and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t get away from ads for the lowest price insurance coverage from the likes of State Farm, GEICO and Progressive. They all advertise the message that you can save just by moving to their company.

How can each company have lower policy pricing? It’s all in the words they use.

All the different companies have a preferred profile for the type of driver that will not have excessive claims. For instance, this type of insured could be between the ages of 30 and 50, carries high limits, and chooses high deductibles. Any new insured that matches those criteria receive the lowest rate quotes and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who cannot meet those standards will get a higher rate which results in the prospect going elsewhere. Company advertisements say “customers who switch” not “everyone who quotes” save that kind of money. This is how companies can make claims like that.

That is why drivers must compare quotes as often as possible. It is impossible to predict with any certainty which company will have the best prices at this point in time.

Specifics of your insurance policy

Knowing the specifics of insurance aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages available from insurance companies.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like hospital visits, surgery, chiropractic care and EMT expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like fire damage, vandalism and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverages – Collision coverage will pay to fix damage to your Golf R resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like damaging your car on a curb, hitting a mailbox, scraping a guard rail, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Volkswagen Golf R.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are set the same as your liability limits.

Liability car insurance – This coverage protects you from damage or injury you incur to other people or property. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like medical services, loss of income, medical expenses, court costs and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Find Good Coverage for Less

As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, an insured cut liability coverage limits only to regret that they should have had better coverage. Your aim should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Discount 2017 Volkswagen Golf R insurance can be purchased both online in addition to local insurance agencies, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not provide rates over the internet and usually these smaller providers sell through independent agencies.

You just read a lot of tips how to reduce 2017 Volkswagen Golf R insurance rates online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding low cost insurance. You may even find the best rates are with a smaller regional carrier. They can often insure niche markets at a lower cost than their larger competitors like GEICO and State Farm.

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