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: Mar 23, 2018

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Looking for the cheapest insurance coverage rates for your Volkswagen Golf GTI? Are you burned out from not being able to afford to pay your insurance coverage bill each month? Your situation is no different than many other consumers.

Lots of auto insurance companies contend for your business, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest rate possible.

How to shop insurance coverage online

There are several ways you can shop for insurance coverage and some are less time-consuming than others. You could waste time driving to insurance companies in your area, or you could save time and use the web to get the quickest rates.

Most of the larger companies participate in a marketplace where insurance shoppers submit their information once, and at least one company can provide price quotes based on that data. This system prevents you from having to do quotation requests to each individual insurance coverage company. To enter your information into the quoting system, click here to start a free quote.

One minor caviat to doing it this way is you don’t know exactly which carriers you will receive quotes from. If you prefer to choose specific insurance companies to compare rates, we have a listing of insurance coverage companies in your area. Click here to view list.

Whichever way you use, make darn sure you compare the exact same coverages and limits for each comparison quote. If you have differing limits you will not be able to determine the best price for your Volkswagen Golf GTI. Quoting even small variations in coverage limits can result in a big premium difference. And when comparing insurance coverage rates, know that comparing more quotes will enable you to find more affordable insurance. Not every company allows you to get prices over the internet, so it’s important to compare price quotes on coverage from those companies, too.

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

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Car insurance policy discounts

Some insurance providers don’t necessarily list all available discounts in a way that’s easy to find, so here is a list both well-publicized as well as the least known credits available to lower your premiums when you buy auto insurance online. If you check and find you aren’t receiving every discount available, you could be getting lower rates.

  • ABS Braking Discount – Cars that have steering control and anti-lock brakes are much safer to drive so you can save 10 percent or more.
  • Telematics Discount – Insureds who allow driving data collection to track driving manner by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if their driving habits are good.
  • Federal Employees – Active or former government employment could qualify for a slight premium decrease for Golf GTI coverage but check with your company.
  • Sign Early and Save – A few larger companies allow discounts for switching companies prior to your current policy expiration. It can save you around 10%.
  • Organization Discounts – Being in qualifying clubs or civic groups may earn a discount on your next car insurance statement.
  • Service Members Pay Less – Being on active duty in the military may lower your car insurance rates slightly.
  • Smart Student Discounts – Getting good grades may save you up to 25%. The discount lasts up until you turn 25.
  • Defensive Driver – Taking part in a defensive driver course could save 5% or more and also improve your driving technique.

As a footnote on discounts, some credits don’t apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that you would end up receiving a 100% discount, companies don’t profit that way. Any amount of discount will cut your car insurance premiums.

A list of car insurance companies and their offered discounts are shown below.

  • Progressive has savings for online signing, homeowner, good student, multi-vehicle, and continuous coverage.
  • AAA discounts include multi-car, AAA membership discount, good student, education and occupation, multi-policy, anti-theft, and good driver.
  • Farmers Insurance may have discounts that include business and professional, teen driver, good student, electronic funds transfer, youthful driver, and alternative fuel.
  • GEICO offers premium reductions for anti-theft, defensive driver, driver training, seat belt use, anti-lock brakes, five-year accident-free, and daytime running lights.
  • Esurance offers discounts including Switch & Save, online shopper, multi-car, good driver, anti-lock brakes, online quote, and Pac-12 alumni.
  • SAFECO may offer discounts for teen safety rewards, drive less, anti-theft, multi-car, homeowner, and teen safe driver.
  • State Farm has discounts for driver’s education, Drive Safe & Save, multiple policy, anti-theft, multiple autos, and safe vehicle.

If you need lower rates, check with every insurance company which discounts you may be entitled to. Some discounts listed above may not be offered in every state.

How do I know if I need professional advice?

When it comes to buying coverage, there really is no best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions might help in determining if your situation could use an agent’s help.

  • Does insurance cover damages from a DUI accident?
  • Should I bundle my homeowners policy with my auto?
  • What is the difference between comprehensive and collision coverage?
  • What is PIP insurance?
  • Do I need roadside assistance coverage?
  • What is no-fault insurance?
  • Am I covered if I drive in a foreign country?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Insurance coverage options for a Volkswagen Golf GTI

Understanding the coverages of insurance aids in choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages found on the average insurance policy.

UM/UIM Coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Golf GTI.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Collision insurance

This covers damage to your Golf GTI from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like scraping a guard rail, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses for pain medications, chiropractic care and ambulance fees. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as falling objects, a tree branch falling on your vehicle, hitting a bird, hitting a deer and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for liability

This protects you from damage or injury you incur to people or other property by causing an accident. This coverage 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. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as emergency aid, loss of income and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

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

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A penny saved is a penny earned

We just showed you many ideas to shop for 2015 Volkswagen Golf GTI insurance online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best car insurance rates are with a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.

Affordable 2015 Volkswagen Golf GTI insurance is available from both online companies and from local agencies, so you need to quote auto insurance with both so you have a total pricing picture. There are still a few companies who may not offer internet price quotes and usually these smaller companies sell through local independent agents.

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