Save on 2019 Volkswagen Golf GTI 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: Mar 30, 2024

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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

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Are you drained from being strong-armed to pay car insurance each month? You are no different than many other drivers.

There is such a variety of insurance companies to choose from, and even though it’s nice to have a choice, lots of choices makes it harder to compare rates and cut insurance costs.

The fastest way that we advise to compare insurance rates from multiple companies takes advantage of the fact most insurance companies will pay a fee to compare rate quotes. To start a quote, the only thing you need to do is provide the companies a bit of rating information such as whether you have decent credit, your job, if you lease or own, and how much you drive. Your information is sent automatically to many highly-rated insurers and they return quotes with very little delay.

To check rates for your 2019 Volkswagen Golf GTI now, click here and find out if lower rates are available.

Advertising myths

Companies like Progressive, GEICO, Allstate and State Farm continually stream television, radio, and online ads. All the companies say the same thing about savings just by switching your insurance coverage coverage to their company. That’s great but how can every company claim to save you money? Here is the trick they use.

Many companies are able to cherry pick for the type of customer they prefer to insure. One example of this type of driver may be over the age of 40, has a clean driving record, and has excellent credit. Any customer who matches that profile will get low rates and will also pay quite a bit less when switching companies.

People who do not fit those standards must pay more expensive rates which leads to the customer not buying. If you listen closely, the ads state “drivers that switch” not “all people who quote” can get the lowest rates when switching. That’s the way companies can truthfully claim big savings. This really illustrates why drivers must get as many free insurance coverage quotes as possible. It is impossible to guess which insurance companies will fit you best based on your risk profile.

Auto insurance discounts help cut rates

Car insurance companies do not advertise every possible discount very well, so the following list contains some of the best known in addition to some of the lesser obvious credits that may apply to you.

  • Defensive Driver – Passing a class that teaches defensive driving techniques may get you a small discount and make you a better driver.
  • Employee of Federal Government – Employees or retirees of the government could provide a small rate reduction on Golf GTI insurance with some auto insurance companies.
  • Own a Home and Save – Just being a homeowner can save a few bucks due to the fact that maintaining a home is proof that your finances are in order.
  • Early Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you can avoid monthly service charges.
  • Policy Bundle Discount – If you combine your auto and homeowners policies and place coverage with the same company you could get a discount of as much as 10 to 15 percent.
  • College Student Discount – Older children who attend college more than 100 miles from home and do not take a car to college may be able to be covered for less.

While discounts sound great, it’s important to understand that some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comp or med pay. Even though the math looks like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Larger auto insurance companies and the discounts they provide are shown below.

  • GEICO has discounts for defensive driver, military active duty, seat belt use, multi-policy, and five-year accident-free.
  • Auto-Owners Insurance may have discounts that include anti-theft, safe driver, anti-lock brakes, student away at school, multiple vehicles, and good student.
  • American Family has savings for bundled insurance, good student, defensive driver, accident-free, mySafetyValet, air bags, and good driver.
  • Esurance includes discounts for claim free, multi-car, Switch & Save, renters, safety device, and anti-lock brakes.
  • Progressive offers premium reductions for online quote discount, multi-vehicle, online signing, homeowner, continuous coverage, good student, and multi-policy.
  • State Farm may offer discounts for Drive Safe & Save, student away at school, driver’s education, defensive driving training, and good student.
  • AAA discounts include good student, good driver, anti-theft, pay-in-full, multi-car, education and occupation, and multi-policy.

If you need lower rates, check with each insurance company to give you their best rates. All car insurance discounts might not be offered in your area. To view insurance companies that can offer you the previously mentioned discounts, enter your zip code here.

Which is the best car insurance?

When buying adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique and your policy should reflect that. For example, these questions could help you determine if your situation would benefit from professional advice.

  • Will my insurance pay for OEM parts?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is a blown tire covered by insurance?
  • Am I covered if hit by an uninsured driver?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I benefit by insuring my home with the same company?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete your zip code.

Auto insurance 101

Having a good grasp of a insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages found on the average insurance policy.

Liability auto insurance

This coverage will cover damage or injury you incur to people or other property. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

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

Liability insurance covers things such as structural damage, funeral expenses and court costs. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, vandalism, falling objects, a broken windshield and fire damage. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses for pain medications, EMT expenses, dental work, hospital visits and nursing services. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

This covers damage to your Golf GTI from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sustaining damage from a pot hole, hitting a mailbox, backing into a parked car, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Stretch your dollar

When buying insurance coverage, you should never buy less coverage just to save a little money. There have been many situations where someone sacrificed uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your focus should be to buy the best coverage you can find at the best price.

A few companies may not offer internet price quotes small, regional companies prefer to sell through independent agencies. Low-cost 2019 Volkswagen Golf GTI insurance is attainable online in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates.

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