2015 Volkswagen e-Golf Insurance Quotes – 9 Ideas for Best Rates

Looking for the cheapest insurance rates for your Volkswagen e-Golf? Finding the cheapest insurance for a Volkswagen e-Golf could be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to shop for insurance and we’ll show you the proper way to price shop coverage for a Volkswagen and get the best price possible either online or from local insurance agents.

How to Compare Car Insurance Quotes

Getting a lower price on 2015 Volkswagen e-Golf insurance is actually quite simple. You just need to take the time to compare rate quotes online from several insurance companies. This can be done in just a few minutes using one of these methods.

The single most time-saving way to find low rates is an all-inclusive rate comparison click to view form in new window. This easy form saves time by eliminating multiple quote forms to each individual car insurance company. Just one form will get you rate comparisons from multiple low-cost companies. It’s definitely the quickest method.
A different way to compare prices is spending the time to visit the website for every company you want to comare and fill out their own quote form. For examples sake, let’s say you want to compare Nationwide, Progressive and State Farm. To get each rate you have to visit each site to enter your coverage information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
The most time-consuming way of comparing rate quotes is to spend time driving to local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you prefer the professional guidance that only a license agent can provide. It is possible to find lower rates online and still use a local agent and we’ll cover that in a bit.

It doesn’t matter which method you choose, just double check that you are using exactly the same coverages with every price quote. If you enter unequal deductibles or liability limits it will be impossible to find the best deal for your Volkswagen e-Golf.

How can Geico, State Farm and Progressive save drivers who switch?

Consumers can’t get away from ads that promise big savings by companies like Geico, State Farm and Progressive. All the companies make the same claim of big savings if you move to them.

But how can every company make the same claim?

Different companies are able to cherry pick for the type of driver that earns them a profit. An example of a preferred risk could be between 25 and 40, a clean driving record, and chooses high deductibles. Any new insured who matches those parameters gets the lowest rates and therefore will pay quite a bit less when switching companies.

Drivers who are not a match for these standards must pay higher prices and ends up with the customer not buying. The ads say “customers who switch” not “everyone that quotes” save that much money. That’s the way insurance companies can confidently make the claims of big savings.

This illustrates why you need to get quotes from several different companies. It’s not possible to predict which car insurance company will have the lowest Volkswagen e-Golf insurance rates.

Discounts to lower Volkswagen e-Golf insurance rates

Insuring your vehicles can cost a lot, but you can get discounts to reduce the price significantly. Most are applied at the time of purchase, but a few must be asked for before you will receive the discount. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
Multi-policy Discount – If you insure your home and vehicles with one company you will save approximately 10% to 15%.
Fewer Miles Equal More Savings – Keeping the miles down on your Volkswagen can earn lower rates on the low mileage vehicles.
Multiple Vehicles – Insuring multiple vehicles on the same car insurance policy qualifies for this discount.
Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates for e-Golf coverage than drivers with accident claims.
Discount for Swiching Early – Some companies give discounts for signing up prior to your current policy expiring. The savings is around 10%.
Student Driver Training – Require your teen driver to successfully complete driver’s ed class if offered at their school.
Discount for Life Insurance – Companies who offer life insurance give a break if you buy life insurance from them.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comp or med pay. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way. But all discounts will help reduce the cost of coverage.

For a list of providers who offer car insurance discounts, click here to view.

Tailor your coverage to you

When it comes to choosing the best car insurance coverage for your vehicles, there is no “perfect” insurance plan. Each situation is unique.

These are some specific questions could help you determine whether you would benefit from an agent’s advice.

When should I buy a commercial auto policy?
Is extra glass coverage worth it?
Is rental equipment covered for theft or damage?
Does my medical payments coverage pay my health insurance deductible?
Does my insurance cover a custom paint job?
What are the financial responsibility laws in my state?
What is an SR-22 filing?
Can my teen drive my company car?
What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverages 101

Understanding the coverages of car insurance can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from getting keyed, a tree branch falling on your vehicle, damage from a tornado or hurricane and hitting a bird. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2015 Volkswagen e-Golf.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Medical expense insurance

Med pay and PIP coverage reimburse you for expenses for nursing services, X-ray expenses, rehabilitation expenses and pain medications. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a parking meter, crashing into a building, sustaining damage from a pot hole, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Liability auto insurance

This protects you from injuries or damage you cause to a person or their property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as funeral expenses, medical services and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Be a money saver!

We covered a lot of ways to save on 2015 Volkswagen e-Golf insurance. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the best price on insurance is with an unexpected company.

Cost effective insurance is available online in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

Insureds leave their current company for a number of reasons such as extreme rates for teen drivers, being labeled a high risk driver, delays in paying claims or even policy non-renewal. It doesn’t matter what your reason, finding a new insurance company can be easier than you think.