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: Feb 12, 2018

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Want lower car insurance rates for your Volkswagen Golf GTI? If you’re trying to find more affordable insurance, are you confused by the sheer number of car insurance providers that you can choose from? Vehicle owners have so many options that it can easily become a lot of work to find a cheaper company.

Smart consumers take time to get comparison quotes periodically because car insurance prices trend upward over time. Just because you found the best rate for Golf GTI coverage a year ago a different company probably has better premium rates today. You can find a lot of wrong information about car insurance out there, but in this article, you’re going to get some of the best ways to save money.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Finding cheaper insurance coverage coverage is not that difficult. Nevertheless, car owners do need to learn the way companies price online insurance and use this information to your advantage.

How much is insurance coverage?

Most larger insurance companies like Progressive, Allstate and GEICO allow consumers to get coverage prices on the web. Getting online quotes is possible for anyone as all you need to do is type in on the page. When the form is submitted, their quoting system will order information on your driving record and credit history and returns a price quote determined by many factors.

Online price quotes helps simplify price comparisons, but the work required to visit different websites and complete many quote forms gets old quite quickly. Unfortunately, it is important to get many rate quotes in order to get the best price on insurance coverage.

Compare rates the easy way

The smarter way to find better insurance coverage pricing makes use of a single form that gets prices from multiple companies. The form is fast, eliminates form submissions, and makes online shopping much easier to do. After sending the form, it is quoted with multiple companies and you can pick your choice of the pricing results.

If the quotes result in lower rates, it’s easy to complete the application and buy the policy. This process can be completed in a matter of minutes and you will know how your current rates stack up.

In order to find out how much you can save on insurance coverage, click here to open in a new tab and complete the simple form. To compare your current rates, we recommend you input the coverage information as close as possible to your current policy. Doing this guarantees you are getting an apples-to-apples comparison for similar coverage.

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

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Save with these discounts

Insuring your fleet can be pricey, but you can get discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically when you quote, but a few need to be specially asked for before being credited.

  • Driver’s Education for Students – It’s a good idea to have your young drivers participate in a local driver’s education class as it can save substantially.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles can help prevent theft and will save you 10% or more.
  • Onboard Data Collection – People who choose to allow their insurance coverage company to analyze driving manner through the use of a telematics system like Allstate’s Drivewise could save a few bucks as long as they are good drivers.
  • Senior Citizen Rates – If you qualify as a senior citizen, you are able to get a slight reduction on a auto insurance quote for Golf GTI coverage.
  • Homeowners Pay Less – Owning a home can earn you a little savings since owning and maintaining a home requires personal responsibility.
  • Discount for Multiple Policies – If you insure your home and vehicles and insure them with the same company you could save up to 20% and get you cheaper auto insurance.

One thing to note about discounts is that some credits don’t apply to the entire cost. A few only apply to specific coverage prices like liability and collision coverage. So even though you would think you can get free auto insurance, companies wouldn’t make money that way.

A list of insurance coverage companies and a partial list of their discounts are shown below.

  • AAA has discounts for education and occupation, AAA membership discount, multi-car, anti-theft, and pay-in-full.
  • Progressive policyholders can earn discounts including multi-vehicle, online quote discount, good student, online signing, multi-policy, and continuous coverage.
  • State Farm offers discounts for Steer Clear safe driver discount, accident-free, student away at school, multiple policy, and multiple autos.
  • Esurance may include discounts for Pac-12 alumni, paid-in-full, online shopper, Switch & Save, anti-theft, and good student.
  • Nationwide discounts include family plan, good student, defensive driving, multi-policy, easy pay, and anti-theft.

Before you buy a policy, ask every company how you can save money. Some credits might not be offered everywhere. If you would like to choose from a list of insurance coverage companies that have a full spectrum of discounts, click here to view.

Special considerations

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Every situation is different.

These are some specific questions can help discover if your situation might need professional guidance.

  • Are my friends covered when driving my 2016 Volkswagen Golf GTI?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I rent a car in Mexico?
  • Do I pay less for low miles?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I need more liability coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • When should I remove comp and collision on my 2016 Volkswagen Golf GTI?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverages 101

Having a good grasp of a car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as sustaining damage from a pot hole, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses 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 limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Liability coverage

Liability coverage will cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as structural damage, medical expenses, funeral expenses and attorney fees. How much coverage you buy is your choice, but buy higher limits if possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for funeral costs, surgery, pain medications and doctor visits. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive car insurance

Comprehensive insurance coverage pays for 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 claims such as hail damage, rock chips in glass, damage from a tornado or hurricane and theft. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.