2009 Volkswagen GLI Insurance Rates

Looking for cheaper auto insurance rates for your Volkswagen GLI? No one in their right mind looks forward to buying auto insurance, particularly when their premiums are too high. Big-name insurance companies like Geico, Progressive and Allstate constantly bombard you with fancy advertisements and consumers find it hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

Cut your insurance coverage rates with discounts

Insuring your fleet can be pricey, but you can get discounts to help offset the cost. Some discounts apply automatically at the time of purchase, but some must be specifically requested before you will receive the discount. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • One Accident Forgiven – Some insurance companies will forgive one accident without raising rates as long as you don’t have any claims for a set time period.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Sign Online – Some insurance companies will give a small break for buying your policy on their website.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • Auto/Home Discount – When you have multiple policies with one insurance company you will save approximately 10% to 15%.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Memberships – Affiliation with certain professional organizations could trigger savings on insurance coverage for GLI coverage.
  • Multiple Vehicles – Having multiple vehicles with the same company may reduce the rate for each vehicle.
  • Claim Free – Good drivers with no accidents can save substantially compared to bad drivers.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts will cut your premiums.

Insurance companies that may offer these benefits are:

Double check with each company which discounts you may be entitled to. Some discounts may not apply in your area.

Finding Insurance Coverage Deals

Getting better 2009 Volkswagen GLI insurance coverage pricing is surprisingly easy. All that’s required is to invest a few minutes to compare quotes from different insurance companies. This can be done in just a few minutes using one of these methods.

  • The best way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This type of form saves time by eliminating boring form submissions for each company. A single form will return price quotes instantly.
  • A different way to compare prices is to take the time to go to the website of each company and request a quote. For sake of this example, let’s say you want rates from Progressive, 21st Century and Liberty Mutual. To find out each rate you need to take the time to go to each site to input your insurance information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but make absolute certain that you use the exact same quote information with each company. If you use different limits and deductibles on each one it’s impossible to determine the best price for your Volkswagen GLI.

You are unique and your insurance should be too

When buying coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if you could use an agent’s help.

  • If my 2009 Volkswagen GLI is totaled, can I afford another vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I benefit by insuring my home with the same company?
  • Can I get a multi-policy discount?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is business property covered if stolen from my car?
  • Does my 2009 Volkswagen GLI qualify for pleasure use?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Insurance coverages 101

Knowing the specifics of insurance can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement. These are typical coverages available from insurance companies.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like hitting a parking meter, backing into a parked car, crashing into a building, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, falling objects, hitting a deer and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

Liability insurance can cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as structural damage, repair costs for stationary objects, bail bonds and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

UM/UIM Coverage

This gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 2009 Volkswagen GLI.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like X-ray expenses, EMT expenses, surgery and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Summing up your auto insurance search

While you’re price shopping online, you should never buy poor coverage just to save money. There are a lot of situations where an insured dropped liability limits or collision coverage and discovered at claim time they didn’t purchase enough coverage. Your aim should be to find the BEST coverage at the best price.

You just learned a lot of tips how to compare 2009 Volkswagen GLI insurance prices online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers could even find that the best prices are with a small local company. Some small companies can often provide lower rates in certain areas than their larger competitors like Allstate, Geico and Progressive.

Much more information about auto insurance can be found below: