Compare 2016 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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I really doubt anyone looks forward to paying premiums for auto insurance, especially when they could lower their rates if they shopped around. Since you have so many companies and agents to choose from, it is very difficult to find the cheapest company.

You should make it a habit to compare prices yearly because prices are variable and change quite frequently. Just because you had the best quotes on Golf R coverage on your last policy you can probably find a better rate now. Block out anything you think you know about auto insurance because you’re going to learn one of the best ways to find lower rates on auto insurance.

Finding affordable coverage is quite easy. If you have car insurance now, you will most likely be able to reduce your rates substantially using this information. Consumers just need to learn the most efficient way to shop their coverage around online.

Don’t overlook these insurance coverage discounts

Car insurance can cost a lot, but discounts can save money and there are some available to reduce the price significantly. A few discounts will automatically apply at the time you complete a quote, but some discounts are required to be specially asked for in order for you to get them.

  • Discounts for Responsible Drivers – Insureds who avoid accidents can pay as much as 50% less on Golf R coverage as compared to drivers with claims.
  • Driver’s Ed – Teen drivers should enroll and complete driver’s education in school.
  • Save with a New Car – Insuring a vehicle that is new is cheaper due to better safety requirements for newer vehicles.
  • Life Insurance Discount – Larger insurance companies have a break if you buy a life insurance policy as well.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and qualify for as much as a 10% discount.
  • Discounts for Federal Employees – Having worked for a branch of the government can earn a discount up to 10% on Golf R coverage with certain companies.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. Many companies even apply the discount to college students up until you turn 25.
  • One Accident Forgiven – Not really a discount, but some companies like Progressive and Allstate will forgive one accident before raising your premiums if your claims history is clear prior to the accident.
  • Senior Citizen Discount – Older drivers are able to get a small discount on rates on Golf R coverage.
  • Discount for Switching Early – A few companies give discounts for switching policies prior to your current policy expiring. The savings is around 10%.

Discounts lower rates, but some credits don’t apply to the whole policy. Most only cut the cost of specific coverages such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, nobody gets a free ride.

Large insurance coverage companies and a partial list of their discounts are detailed below.

  • GEICO discounts include defensive driver, anti-lock brakes, good student, seat belt use, multi-vehicle, five-year accident-free, and driver training.
  • Travelers offers premium reductions for new car, good student, payment discounts, multi-policy, IntelliDrive, and hybrid/electric vehicle.
  • Farm Bureau may offer discounts for good student, driver training, multi-policy, multi-vehicle, safe driver, 55 and retired, and renewal discount.
  • Liberty Mutual has savings for new vehicle discount, new graduate, newly married, new move discount, and newly retired.
  • American Family may have discounts that include accident-free, bundled insurance, good student, mySafetyValet, and air bags.
  • Progressive may include discounts for online signing, multi-policy, good student, online quote discount, continuous coverage, multi-vehicle, and homeowner.

When getting a coverage quote, ask all the companies to apply every possible discount. Some discounts listed above may not apply in your area. To locate insurance coverage companies who offer online insurance coverage quotes, enter your zip code here.

When to get professional advice

When it comes to buying proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions can aid in determining if your situation might need an agent’s assistance.

  • Does my policy cover me when driving someone else’s vehicle?
  • Will my insurance pay for OEM parts?
  • Why is insurance for a teen driver so high?
  • Do I need special endorsements for business use of my vehicle?
  • Do I benefit by insuring my home with the same company?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need added coverage for expensive stereo equipment?
  • Do I pay less if my vehicle is kept in my garage?
  • Are split liability limits better than a combined single limit?
  • Am I covered when driving in Canada or Mexico?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and enter your zip code. It only takes a few minutes and can provide invaluable advice.

Misconceptions in insurance coverage advertisements

Drivers constantly see and hear ads for cheaper insurance coverage from the likes of Allstate and Progressive. All the ads make the same claim that people will save if you switch your coverage.

How can each company offer drivers better rates? This is how they do it.

Many companies have an ideal profile for the type of driver that earns them the highest profit. One example of this type of insured might be a married female, has no driving citations, and has a short commute. A customer that hits that “sweet spot” receives the best rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who do not fit these standards will have to pay a higher premium which usually ends up with the customer buying from someone else. If you pay attention, the ads say “people who switch” not “everybody who quotes” save that much when switching. That’s why companies can lure you into getting a quote. Because of the profiling, you really need to get a wide range of price quotes. Because you never know with any certainty which company will have the lowest rates.

Auto insurance coverage breakdown

Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages offered by auto insurance companies.

Collision – This coverage pays for damage to your Golf R resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a mailbox, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive protection – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from flooding, a tree branch falling on your vehicle, rock chips in glass, a broken windshield and fire damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability insurance – Liability coverage will cover damage or injury you incur to a person or their property by causing an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like court costs, emergency aid and pain and suffering. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for rehabilitation expenses, X-ray expenses, pain medications, doctor visits and chiropractic care. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Volkswagen Golf R.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Pennies from heaven

As you quote car insurance, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, an accident victim reduced liability limits or collision coverage to discover at claim time that the savings was not a smart move. Your goal is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Cost effective 2016 Volkswagen Golf R insurance is available from both online companies and from local agencies, so you need to quote car insurance with both so you have a total pricing picture. Some insurance providers do not offer online rate quotes and many times these regional insurance providers provide coverage only through independent insurance agents.

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