Drivers Find Ways to Save on Volkswagen GLI Insurance

Paying for high-priced Volkswagen GLI insurance can drain your personal savings and put a big crunch on your finances. Comparing price quotes is a smart way to reduce premiums and put more money in your pocket.

Companies like Allstate and Progressive constantly bombard you with ads and consumers find it hard to avoid their marketing magic and find the best price available.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using this information. Buying car insurance is not that difficult. Although vehicle owners benefit from understanding how insurance companies compete online and take advantage of how the system works.

Your Volkswagen GLI insurance rate is a complex equation

Consumers need to have an understanding of the different types of things that help determine your auto insurance rates. Understanding what controls the rates you pay helps enable you to make changes that will entitle you to much lower annual insurance costs.

More performance means more cost – The type of vehicle you drive makes a huge difference in your rates. Since the Volkswagen GLI is classified as a compact car, insuring your vehicle will cost the same to a little lower when compared to the average rates. Small economy passenger cars generally have the cheapest insurance rates, but other factors influence the final cost greatly.
Rates may be higher depending on your occupation – Did you know your job can affect your rates? Careers like judges, executives and stock brokers are shown to have the highest rates due to job stress and long work hours. On the other hand, occupations like pilots, students and performers pay the least for GLI coverage.
Proper usage rating affects rates – The more miles you rack up on your Volkswagen in a year’s time the more you’ll pay to insure your vehicle. Most companies rate vehicles based on how the vehicle is used. Autos not used for work or commuting get more affordable rates compared to those used for work or business. Ask your agent if your auto insurance policy is rated on how each vehicle is driven. Incorrect usage on your GLI may be wasting your money.
How many coverages with the same company – Some companies will award you with lower prices to policyholders who buy several policies from them. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even with this discount, it’s still a good idea to shop around to verify if the discount is saving money.
Do you need the policy add-ons? – There are a lot of extra bells and whistles that you can get tricked into buying on your GLI policy. Things like rental car reimbursement, accidental death and motor club memberships may be costing you every month. These coverages may sound good initially, but if you don’t need them remove them from your policy.
Are you male or female? – Statistics show that women are safer drivers than men. However, don’t assume that men are WORSE drivers than women. Women and men have accidents in similar numbers, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as DWI and reckless driving.

Fast and Easy Auto Insurance Quotes

To find the best auto insurance prices, there are several ways to compare rate quotes from auto insurance companies in your area. The best way to compare insurance prices is simply to get online rate quotes. This is very easy and can be done in a couple of different ways.

The most efficient way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This form keeps you from doing boring form submissions for each company. A single form will return price quotes from auto insurance companies with the best prices.
A less efficient way to obtain and compare quotes online is spending the time to visit each company website to complete their respective quote request forms. For sake of this example, let’s assume you want to compare rates from Allstate, Progressive and Farmers. To find out each rate you need to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.
The hardest way to get comparison rates is driving to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you require the trained guidance of a licensed agent. You can, however, price shop online and get advice from an agent in your area. We’ll cover that shortly.

Which method you use is up to you, but ensure you are comparing exactly the same coverage limits and deductibles for every company. If your comparisons have mixed coverages it will be very difficult to determine which rate is truly the best. Having just a slight variation in coverages may result in a large different in cost. It’s important to know that having more price comparisons will increase your chances of finding the best price.

Can you really save $408 a year?

Auto insurance companies such as State Farm, GEICO and Progressive regularly use ads on TV and radio. They all seem to make the same claim that you can save if you move your policy. How do they all make almost identical claims?

All the different companies have a preferred profile for the driver that earns them a profit. An example of a preferred risk might be profiled as between the ages of 30 and 50, a clean driving record, and chooses high deductibles. A customer that hits that “sweet spot” is entitled to the best price and as a result will probably save when they switch companies.

Drivers who don’t qualify for the “perfect” profile will be quoted higher prices and ends up with business going elsewhere. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can state the savings.

This emphasizes why drivers should get as many comparisons as possible. Because you never know the company that will provide you with the cheapest rates. Car insurance in

Discounts are basically free money

Car insurance can cost a lot, buy you may qualify for discounts that many people don’t even know exist. Certain discounts will be applied when you purchase, but lesser-known reductions have to be manually applied before you get the savings.

Military Discounts – Having a deployed family member could be rewarded with lower premiums.
Drivers Education – Have your child enroll in driver’s education in school.
Use Seat Belts – Drivers who require all occupants to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
Multiple Policy Discount – If you have multiple policies with one insurance company you may earn approximately 10% to 15%.
Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
Passive Restraints – Cars that have air bags or automatic seat belts can qualify for discounts of 20% or more.
Discount for Good Grades – Getting good grades can save 20 to 25%. Earning this discount can benefit you well after school through age 25.

Keep in mind that most discount credits are not given to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will cut the cost of coverage.

But don’t I need an insurance agent?

Certain consumers just want to sit down with an agent and that is a personal choice. One of the best bonuses of comparing rates online is the fact that you can find the best rates but also keep your business local. And supporting small agencies is important particularly in smaller rural communities.

For easy comparison, once you complete this form (opens in new window), your insurance data is immediately sent to participating agents who will return price quotes for your insurance coverage. There is no reason to leave your house due to the fact that quote results will go directly to your email. Now that’s easy! You can find better rates AND an agent nearby.

Different types of insurance agents

When researching a good insurance agency, there are two different agency structures that differ in how they can insure your vehicles. agents are either independent (non-captive) or captive.

Independent Agencies or Brokers

Independent insurance agents are not required to write business for one company so they have the ability to put coverage with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent.

When searching for an agent, you should always get quotes from several independent insurance agents for the best price selection.

Captive Insurance Agents

This type of agents work for only one company like Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to shop your coverage around so it’s a take it or leave it situation. Captives receive extensive training on their company’s products which can be an advantage.

For a complete listing of agencies, visit this site.

Choosing an auto insurance agent requires more thought than just the price. Agents should be asked these questions:

If you are a high risk driver, do they have special markets for your coverage?
What is the agency’s Better Business Bureau rating?
Are claim adjusters local or do you have to take your car somewhere else?
If your car is in the repair shop, do you have coverage for a rental car?
What are the financial ratings for the companies they represent?
Do they assist clients in filing claims?

After receiving satisfactory answers for all questions you ask and an affordable coverage quote, you may have just found a car insurance agent that can service your policy.

When might I need help?

When choosing adequate coverage, there really is not a cookie cutter policy. Each situation is unique so your insurance should reflect that For instance, these questions may help you determine whether you would benefit from an agent’s advice.

Does my personal policy cover me when driving my company car?
What vehicles should carry emergency assistance coverage?
Does my car insurance cover rental cars?
When should I not file a claim?
What are the best liability limits?
Do I have coverage when using my vehicle for my home business?
Am I covered when using my vehicle for business?
When would I need rental car insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

More quotes mean more savings

When shopping online for auto insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped collision coverage only to discover later they didn’t have enough coverage. The proper strategy is to find the BEST coverage for the lowest price, not the least amount of coverage.

Discount Volkswagen GLI insurance is available from both online companies and with local insurance agents, and you should compare price quotes from both to have the best selection. Some auto insurance companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.