Lower Your 2018 Volkswagen e-Golf Insurance Rates 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: Apr 7, 2024

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If you’ve never shopped for car insurance quotes online, most likely you are overwhelmed thanks to the vast number local agents and online companies all claiming to have the lowest rates.

It’s a good idea to check insurance prices as often as possible because insurance prices trend upward over time. Just because you found the best deal for e-Golf insurance a year ago there is a good chance you can find better rates now. You’ll find a ton of advice on insurance out there, but in this article, you’re going to get some tested techniques to slash your insurance rates.

Finding the best rates is not that difficult. If you have car insurance now, you will be able to lower your premiums substantially using this strategy. But drivers do need to know how insurance companies market on the web because it can help you find the best coverage.

Ways to get auto insurance quotes

To find low cost rates, there are a couple of ways of comparing rates from auto insurance companies in your area. The easiest way to do a complete rate comparison involves getting comparison quotes online. It is quite easy and can be accomplished in a couple of different ways.

  1. If you are pressed for time, the simplest way to get quotes is a comparison rater form. This easy form saves time by eliminating multiple quote forms for each company you want a rate for. A single form will return quotes from auto insurance companies with the best prices. It’s the fastest way to compare.
  2. A more difficult way to shop for auto insurance online is to take the time to go to the website of each company and go through the quote process again. For example, let’s say you want rates from Allstate, Farmers and American Family. You would be required to spend time on each company’s site and repeatedly enter your information, which is why first method is recommended.
  3. If you have time to kill, the last method to find cheaper rates is to spend your day driving to insurance agencies in your area. Comparing online rate quotes eliminates the middleman unless you’re the type of person who wants the peace of mind that only a licensed agent can provide. Drivers can compare the best prices online but purchase the actual policy in an agency.

It’s up to you which method you use, but try to use identical quote data for every company. If your comparisons have different data it’s impossible to decipher which rate is best. Even a minor difference in coverage limits may result in large price differences. And when quoting auto insurance, remember that comparing a wide range of rates increases the change that you will find a lower rate than you’re paying now.

Six tips to get cheaper insurance rates

Part of the car insurance buying process is learning the different types of things that help determine the level of your policy premiums. When you know what positively or negatively controls the rates you pay, this empowers consumers to make smart changes that could help you find cheaper rates. Many things are taken into consideration when quoting car insurance. Some are pretty understandable such as your driving history, but other criteria are less obvious such as your credit history or your financial responsibility.

Listed below are some of the things used by your company to calculate your prices.

  • Vehicles with better crash test results save money – Cars with five star safety ratings cost less to insure. Safe vehicles have better occupant injury protection and lower injury rates means lower claim amounts passed on to you as lower rates.
  • Certain vocations raise prices – Occupational choices like fire fighters, architects and emergency personnel usually pay the highest rates because of intense work requirements and lengthy work days. Conversely, jobs such as actors, engineers and performers have lower than average premiums for e-Golf insurance.
  • Driver age impacts premiums – Older, more experienced drivers have been proven to be more responsible, tend to file fewer claims , and are generally more financially stable. Beginning drivers have been known to be inattentive when driving therefore car insurance rates are much higher.
  • Use one insurance company and save – Most larger insurance companies afford lower prices to policyholders who consolidate policies with them. It’s known as a multi-policy discount. The discount can add up to 10 percent or more. Even if you already get this discount, you may still want to compare rates to ensure the best deal. Consumers may find a better deal by buying car insurance from a different company.
  • Increase coverage deductibles to save – Physical damage insurance, aka comp and collision, protects your Volkswagen from damage. Some coverage claims would be a dented fender, damage from fire, and damage from a fallen tree branch. Deductibles for physical damage are how much you are required to spend in the event of a claim. The more the insured is willing to pay, the lower your rates will be for e-Golf insurance.
  • Does auto insurance cost less for women? – Over the last 30 years, statistics show that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. They both have fender benders at a similar rate, but guys cause more damage and cost insurance companies more money. Men also tend to get more serious tickets such as DWI and reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive car insurance rates.

Car insurance policy discounts

Car insurance can cost a lot, but you might be missing out on some discounts that may help make it more affordable. Some trigger automatically when you quote, but some may not be applied and must be specifically requested before they will apply.

  • Drive Safe and Save – Insureds without accidents may save up to 50% more for e-Golf insurance than their less cautious counterparts.
  • ABS Brakes – Vehicles that have anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can get savings up to 30%.
  • Own a Home and Save – Just owning your own home can help you save on car insurance because owning a home requires personal responsibility.
  • More Vehicles More Savings – Purchasing coverage when you have several vehicles with the same company can get a discount on all vehicles.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.

One thing to note about discounts is that most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky.

Popular car insurance companies and some of the discounts are included below.

  • Mercury Insurance discounts include annual mileage, multi-policy, good student, low natural disaster claims, and multi-car.
  • Farmers Insurance offers discounts for teen driver, distant student, homeowner, business and professional, early shopping, and good student.
  • Farm Bureau policyholders can earn discounts including 55 and retired, multi-policy, good student, driver training, safe driver, multi-vehicle, and renewal discount.
  • State Farm has savings for student away at school, driver’s education, accident-free, Steer Clear safe driver discount, and multiple policy.
  • Allstate offers discounts including premier plus, senior citizen, passive restraint, FullPay discount, and EZ pay plan discount.
  • GEICO may offer discounts for seat belt use, multi-policy, five-year accident-free, daytime running lights, and anti-theft.

If you need lower rates, check with each company how many discounts you can get. Some of the discounts discussed earlier might not be offered in every state. For a list of providers with the best car insurance discounts, enter your zip code here.

How do I know if I need professional advice?

When choosing proper insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining whether you may require specific advice.

  • Will my rates increase for filing one claim?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I have coverage if my license is suspended?
  • Which is better, split liability limits or combined limits?
  • Am I getting all the discounts available?
  • Can I afford to buy a different vehicle if my 2018 Volkswagen e-Golf is totaled?
  • How many claims can I have before being cancelled?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered if I hit my neighbor’s mailbox?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, fill out your zip code.

Information about specific coverages

Learning about specific coverages of your car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverages – Collision insurance pays for damage to your e-Golf from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive coverages – This coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as theft, a tree branch falling on your vehicle, hail damage and fire damage. The most your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability insurance – This can cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.

Liability insurance covers things such as legal defense fees, repair bills for other people’s vehicles, attorney fees, medical services and medical expenses. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for expenses for things like X-ray expenses, dental work and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Volkswagen e-Golf.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

A tidy conclusion

Lower-priced 2018 Volkswagen e-Golf insurance is available on the web as well as from insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some car insurance companies may not have online rate quotes and many times these smaller providers prefer to sell through local independent agents.

As you prepare to switch companies, do not reduce coverage to reduce premium. In many cases, consumers will sacrifice full coverage to discover at claim time that it was a big mistake. Your objective should be to get the best coverage possible at an affordable rate but still have enough coverage for asset protection.

We just showed you some good ideas how you can compare 2018 Volkswagen e-Golf insurance prices online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding the cheapest car insurance. You may be surprised to find that the lowest prices are with a smaller regional carrier.

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