Cheap 2015 Volkswagen e-Golf Car Insurance Rates

Nobody I know looks forward to buying insurance coverage, in particular when their premiums are too high. Multiple insurers compete for your hard-earned dollar, so it’s not easy to compare every provider and get the definite lowest rate

Why your Volkswagen e-Golf insurance rates may be high

Smart consumers have a good feel for the rating factors that go into determining the rates you pay for insurance. Understanding what determines base rates empowers consumers to make smart changes that can help you get better insurance rates.

  • The more you drive the more you pay – The more miles you rack up on your Volkswagen in a year the more you will pay for insurance. Most companies price each vehicle’s coverage based on how the vehicle is used. Vehicles not used for work or commuting receive lower rates compared to those used for work or business. If your policy improperly rates your e-Golf can cost quite a bit. Ask your agent if your insurance policy is showing how each vehicle is driven, because improper ratings can cost you money.
  • Never allow your policy to lapse – Having an insurance coverage lapse will be a fast way to increase your insurance rates. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
  • Older drivers pay less – Older insureds tend to be more responsible, statistically cause fewer accidents and receive fewer citations. Young drivers tend to be more careless when behind the wheel therefore insurance rates are much higher.
  • Pay less if you’re married – Getting married can get you a discount on your policy. Marriage is viewed as being more mature and it’s statistically proven that married drivers get in fewer accidents.
  • Better crash test results mean better rates – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders. If your Volkswagen has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Policy add-ons can waste money – There are a lot of extra coverages you can purchase if you aren’t careful. Things like vanishing deductibles, better glass coverage and membership fees are some examples. These coverages may sound good initially, but your needs may have changed so remove them from your policy.

Get lower rates on 2015 Volkswagen e-Golf insurance

Companies offering auto insurance don’t always publicize every available discount in a way that’s easy to find, so we researched both the well known as well as the least known discounts you could be receiving. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Low Mileage – Driving fewer miles can earn a substantially lower rate.
  • Resident Student – Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Accident Waiver – Certain companies allow you one accident before raising your premiums if your claims history is clear for a set time period.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • 55 and Retired – If you’re over the age of 55, you can possibly qualify for better auto insurance rates for e-Golf coverage.
  • Multiple Vehicles – Having multiple vehicles on one policy may reduce the rate for each vehicle.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off for e-Golf coverage with select insurance companies.
  • Early Switch Discount – A few companies offer discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Club Memberships – Affiliation with a professional or civic organization could trigger savings when buying auto insurance for e-Golf coverage.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

To see a list of insurance companies with discount auto insurance rates, click this link.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions might point out whether you may require specific advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • What is UM/UIM insurance?
  • Am I covered when driving a rental car?
  • Does my 2015 Volkswagen e-Golf need full coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Are my tools covered if they get stolen from my vehicle?
  • What is the ISO rating for a 2015 Volkswagen e-Golf?
  • Will filing a claim cost me more?
  • Does my insurance cover my expensive audio equipment?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Car insurance coverages and their meanings

Learning about specific coverages of your car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most car insurance policies.


This protects you from damage or injury you incur to other people or property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like attorney fees, legal defense fees, pain and suffering, funeral expenses and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for expenses such as ambulance fees, doctor visits and X-ray expenses. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers you and your occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Volkswagen e-Golf.

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

Collision coverage

This coverage covers damage to your e-Golf resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a ditch, sideswiping another vehicle, damaging your car on a curb, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, damage from a tornado or hurricane, damage from flooding and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Cheaper insurance is a realistic goal

We’ve covered some good ideas how to get a better price on 2015 Volkswagen e-Golf insurance. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may even discover the most savings is with an unexpected company. They can often insure niche markets at a lower cost than their larger competitors like GEICO and State Farm.

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. In many cases, someone sacrificed liability limits or collision coverage and found out when filing a claim that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

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