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...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Trying to find cheaper auto insurance rates for your Volkswagen GLI? If you are new to online auto insurance, it’s easy to get overwhelmed by the vast number of companies who all claim to have the lowest rates.

Choosing the best insurance company for you is not rocket science. Just about anyone who buys auto insurance stands a good chance to be able to find lower rates. Nevertheless, vehicle owners can benefit from knowing the way insurance companies compete online and take advantage of how the system works.

Take policy discounts and save

Some providers do not list every discount in a way that’s easy to find, so the list below contains both well-publicized and also the lesser-known car insurance savings.

  • Good Student Discount – Getting good grades could provide a savings of up to 20% or more. Many companies even apply the discount to college students until age 25.
  • Telematics Discount – Insureds that choose to allow their company to spy on vehicle usage by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they are good drivers.
  • Use Seat Belts – Drivers who require all vehicle occupants to use their safety belts can save a little on medical payment and PIP coverage.
  • Discount for Life Insurance – If the company offers life insurance, you could get a lower rate if you buy life insurance from them.
  • Accident-Free Discounts – Insureds with no claims or accidents pay less in comparison to accident-prone drivers.
  • E-sign Discounts – Many companies will give you a small discount shop car insurance on their website.
  • Memberships – Being in a qualifying organization could trigger savings on your policy.
  • Driver’s Ed – Cut your cost by having your teen driver enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Passive Restraint Discount – Factory air bags or automatic seat belts may earn rate discounts of 20 to 30 percent.

Don’t be surprised that most discounts do not apply the the whole policy. Most only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way.

A few of the larger companies and their possible discounts can be found below.

  • State Farm may offer discounts for student away at school, Steer Clear safe driver discount, good student, multiple policy, driver’s education, good driver, and Drive Safe & Save.
  • GEICO may include discounts for good student, anti-theft, federal employee, emergency military deployment, membership and employees, and anti-lock brakes.
  • Allstate policyholders can earn discounts including senior citizen, farm vehicle, teenSMART discount, good payer, auto/life discount, and eSmart discount.
  • SAFECO offers premium reductions for multi-car, anti-lock brakes, bundle discounts, drive less, safe driver, teen safe driver, and homeowner.
  • Farm Bureau offers discounts including 55 and retired, youthful driver, renewal discount, safe driver, and good student.
  • Progressive offers discounts for online quote discount, multi-vehicle, multi-policy, good student, homeowner, online signing, and continuous coverage.
  • AAA may have discounts that include multi-car, multi-policy, education and occupation, anti-theft, and AAA membership discount.

Before you buy a policy, ask all companies you are considering which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policies in your area.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Low cost car insurance

Shopping for lower car insurance rates can be a lot of work if you don’t understand the fastest way to get free quotes. You can waste a few hours (or days) talking to agents in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Most of the best insurance companies belong to a marketplace where prospective buyers enter their policy data once, and every company returns a rated price. This eliminates the need for repetitive form submissions to each individual car insurance company.

To find out how much you can save on car insurance click here (opens in new window).

The only drawback to getting quotes like this is you can’t choose which carriers you will receive quotes from. So if you prefer to choose from a list of companies to compare prices, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but make sure you use apples-to-apples quote information on every quote. If you compare different coverage information it will be next to impossible to determine which rate is truly the best. Just a small difference in insurance coverages or limits may result in a large different in cost. Keep in mind that comparing a large number of companies provides better odds of finding better pricing.

Which policy gives me the best coverage?

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions may help highlight if your situation might need professional guidance.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does my personal policy cover me when driving out-of-state?
  • What is covered by UM/UIM coverage?
  • When should I buy a commercial auto policy?
  • Exactly who is provided coverage by my policy?
  • Can my teen drive my company car?
  • What companies insure drivers after a DUI or DWI?
  • What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form.

Car insurance policy specifics

Having a good grasp of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like pain medications, nursing services, X-ray expenses, doctor visits and ambulance fees. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage


Liability coverage protects you from damage that occurs to people or other property. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as court costs, medical expenses and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, theft and damage from flooding. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision insurance

This coverage pays for damage to your GLI from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Enter your zip code below to view companies that have cheap auto insurance rates.

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One last thing

You just read a lot of tips how to get a better price on 2008 Volkswagen GLI insurance. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding cheaper car insurance. Consumers may even find the lowest premium rates come from a small mutual company.

Consumers change insurance companies for many reasons like an unsatisfactory settlement offer, lack of trust in their agent, questionable increases in premium or poor customer service. It doesn’t matter what your reason, finding a new insurance company can be less work than you think.

When shopping online for insurance, do not reduce coverage to reduce premium. In many cases, an insured dropped physical damage coverage and found out when filing a claim that it was a big mistake. The proper strategy is to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

More information can be read on the following sites: