2008 Volkswagen GLI Insurance Quotes

Want better car insurance rates for your Volkswagen GLI? Having to pay for overpriced Volkswagen GLI insurance can overdraw your savings account and make it hard to pay other bills. Comparing price quotes is free, only takes a few minutes, and is a good way to cut your insurance bill. You have so many insurance companies to purchase coverage from, and though it is a good thing to be able to choose, so many choices can make it hard to find the lowest rates.

Best discounts on Volkswagen GLI coverage

Companies that sell car insurance don’t list all available discounts in a way that’s easy to find, so we break down some of the best known and the more hidden discounts you could be receiving. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for GLI insurance than their less cautious counterparts.
  • College Student – Children living away from home attending college and do not have a car can be insured at a reduced rate.
  • Life Insurance – Some companies give a break if you buy a life insurance policy as well.
  • New Car Discount – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you could get a discount of 10% to 20% off each policy.
  • Memberships – Being a member of a civic or occupational organization could trigger savings on your policy for GLI insurance.
  • Federal Employees – Active or retired federal employment can save as much as 8% for GLI insurance with select insurance companies.
  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most cut specific coverage prices like comp or med pay. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way.

Companies who might offer these discounts include:

Double check with every prospective company how you can save money. Savings may not apply in your state.

Car Insurance Quote Comparison

Effectively comparing car insurance prices is a ton of work if you don’t utilize the easiest way. You can spend your afternoon talking to insurance agencies in your area, or you could use the internet to quickly compare rates.

The majority of car insurance companies are enrolled in a marketplace that enables customers to submit their information once, and every company then returns a price quote for coverage. This prevents consumers from doing form submissions to every company. To use this form to compare 2008 Volkswagen GLI insurance rates click here to open in new window.

The only drawback to getting quotes like this is that you can’t choose the insurers you will receive quotes from. If you prefer to choose specific providers to compare rates, we put together a list of the cheapest car insurance companies in your area. Click to view list.

Whichever way you use, double check that you are using apples-to-apples information on every quote you get. If your comparisons have different deductibles then you won’t be able to truly determine the lowest rate.

These factors can influence what you pay for Volkswagen GLI insurance

An important part of buying insurance is that you know some of the elements that help determine your insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that can help you get lower insurance prices.

  • Liability insurance protects assets – The liability section of your policy is the protection if you are found to be at fault for damages caused by your negligence. Liability insurance provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
  • Policy add-ons can waste money – There are quite a few extra bells and whistles that can waste your money if you aren’t careful. Coverages for personal injury protection, accident forgiveness and motor club memberships may be wasting your money. These may sound like a good investment when you first buy your policy, but if you don’t need them eliminate them to save money.
  • Your car’s features help determine rates – Driving a car that has an advanced theft prevention system can save you a little every year. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your vehicle from being stolen.
  • More claims means more premium – If you tend to file frequent claims, you can expect either higher rates or even cancellation. Car insurance companies provide better rates to drivers who do not file claims often. Car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Don’t let your coverage lapse – Having an insurance coverage lapse is a guaranteed way to pay more for insurance. Not only will rates go up, but not being able to provide proof of insurance might get you a license revocation or jail time.
  • Safer cars are cheaper to insure – Cars with high safety ratings tend to have better insurance rates. The safest vehicles have better occupant injury protection and fewer injuries means lower claim amounts and thus lower rates. If your Volkswagen GLI scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.

Tailor your coverage to you

When buying adequate coverage, there isn’t really a best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether you may require specific advice.

  • What are the financial responsibility laws in my state?
  • Why is insurance for a teen driver so high?
  • Do I need rental car coverage?
  • Am I better off with higher deductibles on my 2008 Volkswagen GLI?
  • I don’t drive much so do I pay less?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I get a pro-rated refund if I cancel my policy early?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Do you really save 40% when you switch?

Consumers can’t get away from ads for cheaper car insurance from the likes of GEICO, State Farm and Progressive. All the ads have a common claim about savings if you change your coverage to them.

But how can every company claim to save you money?

All the different companies have a certain “appetite” for the right customer that is profitable for them. An example of a preferred risk might be over the age of 50, has no prior claims, and has excellent credit. Any driver who matches those parameters will get very good rates and most likely will save quite a bit of money when switching.

Drivers who do not match this ideal profile will be charged a more expensive rate which usually ends up with business going elsewhere. Company advertisements say “customers that switch” but not “drivers who get quotes” save money. That’s the way insurance companies can advertise the savings. That is why you should quote coverage with many companies. It is impossible to predict which company will give you the biggest savings on Volkswagen GLI insurance.

What insurance coverages do you need?

Learning about specific coverages of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Shown next are the usual coverages offered by insurance companies.

Auto liability insurance

Liability insurance protects you from damage that occurs to other’s property or people in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for things like legal defense fees, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like chiropractic care, prosthetic devices, hospital visits and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a bird, vandalism and damage from getting keyed. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as damaging your car on a curb, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Pennies from heaven

Lower-priced 2008 Volkswagen GLI insurance is definitely available online and also from your neighborhood agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and most of the time these smaller companies sell through independent agents.

When trying to cut insurance costs, make sure you don’t buy poor coverage just to save money. Too many times, drivers have reduced liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Throughout this article, we presented a lot of techniques to reduce insurance prices online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Drivers may discover the lowest premiums are with an unexpected company. They may have significantly lower rates on certain market segments compared to the large companies like Allstate and Progressive.

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