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2012 Volkswagen GLI Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 4, 2020

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Trying to find cheaper auto insurance rates for your Volkswagen GLI? Nobody I know looks forward to paying for auto insurance, especially knowing they are paying too much. You have so many auto insurance companies to buy insurance from, and although it’s a good thing to have a choice, too many choices makes it more difficult to adequately compare rates.

Do you qualify for discounts?

Insurance can be prohibitively expensive, but you may find discounts to help offset the cost. A few discounts will automatically apply when you complete an application, but a few need to be specially asked for prior to getting the savings. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Lower Rates for Military – Having a family member in the military can result in better rates.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you may earn 10% to 20% off each policy.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for GLI coverage than less cautious drivers.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.

Consumers should know that many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think all the discounts add up to a free policy, companies don’t profit that way. But any discount will bring down your premiums.

Companies that possibly offer these money-saving discounts are:

Double check with all companies you are considering how you can save money. All car insurance discounts may not be available everywhere.

Volkswagen GLI insurance premiums are calculated by many factors

An important part of buying insurance is that you know the factors that come into play when calculating your insurance rates. Understanding what controls the rates you pay helps enable you to make changes that may reward you with lower insurance prices.

The list below includes a few of the “ingredients” that factor into rates.

  • Too many insurance claims drive up costs – If you frequently file small claims, you can pretty much guarantee higher rates. Insurance companies generally give cheaper rates to policyholders who do not file claims often. Insurance coverage is intended for the large, substantial claims.
  • Don’t sacrifice liability coverage – Your policy’s liability coverage is the coverage that protects you in the event that you are found liable for damages caused by your negligence. It will provide legal defense coverage starting from day one. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Having a spouse can save you money – Having a wife or husband actually saves money when buying insurance. It is viewed as being more responsible and statistics show married couples file fewer claims.
  • Do you work long hours in a high stress job? – Careers like lawyers, business owners and financial analysts tend to pay higher average rates because of high stress levels and lots of time spent at work. Conversely, jobs such as farmers, engineers and retirees have the lowest average rates for GLI coverage.
  • Rural vs Urban Areas – Being located in small towns and rural areas is a positive aspect when it comes to insurance. Fewer drivers means reduced accidents and also fewer theft and vandalism claims. Drivers who live in large cities have to deal with more traffic problems and longer commutes to work. More time on the road means higher likelihood of an accident.
  • Males pay more for insurance – Statistics have proven that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. They both have accidents in similar percentages, but men have costlier accidents. Men also have more aggressive citations such as DWI and reckless driving. Teenage male drivers are several times more likely to be in an accident and are penalized with high insurance rates.
  • Consolidate policies to earn discounts – Some insurers provide better rates to policyholders who carry more than one policy. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even though this discount sounds good, it’s in your best interest to comparison shop to verify if the discount is saving money.
  • Teen drivers pay high rates – Older insureds are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Youthful drivers are known to be more careless when behind the wheel therefore insurance rates are much higher.

Don’t assume everyone needs the same coverage

When choosing proper insurance coverage, there really is no single plan that fits everyone. Every situation is different and your policy should reflect that. Here are some questions about coverages that may help highlight whether your personal situation will benefit from professional help.

  • Do I have coverage when making deliveries for my home business?
  • Am I covered when driving in Canada or Mexico?
  • Does my policy cover me when driving someone else’s vehicle?
  • Where can I find DUI or SR-22 insurance?
  • Will filing a claim cost me more?
  • Is motorclub coverage worth it?
  • Is my state a no-fault state?
  • Is rental equipment covered for theft or damage?
  • What is the ISO rating for a 2012 Volkswagen GLI?

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If you’re not sure about those questions but you know they apply to you, you might consider talking 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’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage breakdown

Understanding the coverages of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average auto insurance policy.

Comprehensive or Other Than Collision

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

Comprehensive insurance covers things like vandalism, a broken windshield, hitting a deer and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage

Collision insurance will pay to fix damage to your GLI resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with a tree, colliding with another moving vehicle, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

UM/UIM Coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for liability

Liability insurance can cover damage that occurs to people or other property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover 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. You might see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like emergency aid, structural damage, attorney fees, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like doctor visits, surgery, rehabilitation expenses and hospital visits. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover you and your 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

More effort can pay off

As you restructure your insurance plan, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, an insured dropped liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at the best price.

Cost effective 2012 Volkswagen GLI insurance can be bought from both online companies and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. A few companies do not offer online price quotes and these small, regional companies work with independent agents.

We just showed you many tips how you can lower your insurance rates. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest rates come from an unexpected company. These smaller insurers often have lower prices on specific markets than the large multi-state companies such as Progressive or GEICO.

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