Cheaper 2013 Volkswagen Golf R Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2024

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Did you come to the realization that you have overpriced insurance coverage? Say no more because many consumers are in the same pinch. There is such a variety of insurers to insure vehicles with, and though it is a good thing to have a selection, lots of choices makes it harder to find the best rates.

You should take the time to do price comparisons at least once a year due to the fact that insurance prices fluctuate regularly. Despite the fact that you may have had the lowest rates for Golf R insurance last year you can probably find a lower rate today. Ignore everything you know about insurance coverage because we’re going to show you the fastest way to lower your annual insurance bill.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have car insurance, you will most likely be able to cut costs considerably using these techniques. Drivers only need an understanding of the most effective way to compare price quotes online.

Get cheap insurance rates by understanding these factors

The best way to find cheaper insurance is to take a look at a few of the rating criteria that aid in calculating insurance rates. If you understand what controls the rates you pay, this helps enable you to make changes that could result in big savings.

  • Lower prices with uninterrupted coverage – Going without insurance will be a fast way to increase your renewal premiums. And not only will insurance be more expensive, being ticketed for driving with no insurance can result in a steep fine or even jail time.
  • High credit means lower prices – Credit score is likely to be a major factor in determining what you pay for insurance. Consumers who have excellent credit scores tend to be less risk to insure than drivers with lower ratings. If your credit history is lower than you’d like, you could save money insuring your 2013 Volkswagen Golf R by repairing your credit.
  • Choose high crash test ratings and save – Safer cars cost less to insure. Highly rated vehicles protect occupants better and reduced instances of injuries means less money paid by your insurance company which can mean better rates for you. If your Volkswagen Golf R earned at least four stars on or an “acceptable” rating on you may pay a lower rate.
  • Car plus home equals more savings – The majority of companies provide a discount to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, it’s always a smart idea to comparison shop to help ensure you have the lowest rates.

The fastest way that we advise to compare car insurance company rates is to understand almost all companies participate in a system to compare rate quotes. All consumers are required to do is spend a couple of minutes providing details such as how much you drive, your education level, deductibles desired, and types of safety features. Your insurance information is then sent to insurance carriers in your area and they respond with quotes quickly.

Slick advertising tricks that work

Consumers can’t avoid all the ads that claim the cheapest premium rates from companies such as Allstate and Progressive. They all advertise claims that people will save just by moving to their company.

It sounds good, but how can they all sell you cheaper insurance coverage?

All companies have specific criteria for the type of customer they prefer to insure. For instance, this type of insured might be between the ages of 30 and 50, has had continuous coverage, and drives less than 5,000 miles a year. Any customer that matches those criteria is entitled to the best price and will save some money.

People who don’t measure up to these stringent criteria may be forced to pay more expensive rates which usually ends up with the prospect going elsewhere. The ads say “drivers who switch” not “all people who quote” will save that much if they switch. That’s why insurance companies can confidently make claims like that. This emphasizes why you absolutely need to compare rate quotes every year. It’s just too difficult to predict the company that will provide the lowest prices.

Discount car insurance quotes

Car insurance is easily one of your largest bills, but you can get discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically at the time of purchase, but some discounts are required to be inquired about prior to receiving the credit. If you check and find you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Use Seat Belts – Drivers who require all occupants to buckle up can save a little on the medical payments or PIP coverage costs.
  • Discount for Life Insurance – Larger companies have better premium rates if you take out a life insurance policy as well.
  • Passive Restraints – Factory options such as air bags or motorized seat belts can get savings of 20% or more.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for discounted prices on garaged vehicles.
  • Discounts for New Vehicles – Putting coverage on a new car can save up to 30% because newer models keep occupants safer.
  • Senior Citizen Discount – Older drivers could receive a slight reduction on a auto insurance quote for Golf R insurance.
  • Good Student – Excelling in school can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.

Don’t be shocked that many deductions do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. Despite the appearance that you can get free auto insurance, you’re out of luck.

For a list of providers with discount rates, enter your zip code here.

Tailor your car insurance coverage to you

When choosing proper insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that might help in determining if you would benefit from an agent’s advice.

  • Does coverage extend to Mexico or Canada?
  • Is pleasure use cheaper than using my 2013 Volkswagen Golf R to commute?
  • Am I covered if my car is in a flood?
  • How much underlying liability do I need for an umbrella policy?
  • What is roadside assistance coverage?
  • Can I get a multi-policy discount?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage basics

Knowing the specifics of insurance can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.

Coverage for collisions

Collision coverage pays for damage to your Golf R resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, crashing into a building and rolling your car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Medical expense coverage

Med pay and PIP coverage pay for bills for things like pain medications, chiropractic care and ambulance fees. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Auto liability insurance

This can cover damage or injury you incur to other’s property or people that is your fault. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property.

Liability coverage pays for things like medical expenses, repair costs for stationary objects, legal defense fees, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive protection

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hail damage, damage from a tornado or hurricane, rock chips in glass and damage from flooding. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

One last thing about your coverage

Throughout this article, we presented a lot of techniques to get a better price on 2013 Volkswagen Golf R insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding inexpensive auto insurance. You may even find the best prices are with an unexpected company. They can often insure niche markets at a lower cost than their larger competitors like Allstate, GEICO and Progressive.

As you prepare to switch companies, it’s not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped collision coverage to discover at claim time that it was a big mistake. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.

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