2015 Volkswagen e-Golf Car Insurance Quotes – 10 Ideas for Best Rates

Are you sick and tired of trying to scrape together enough money to pay insurance each month? You are no different than many other consumers.

Due to the fact that there are so many online and local companies to choose from, it can be hard to choose a more affordable company.

You should make it a habit to get comparison quotes as often as possible because insurance prices trend upward over time. Just because you found the lowest price for e-Golf insurance last year you may be paying too much now. Forget anything you know (or think you know) about insurance because we’re going to show you how to quote online to lower your annual insurance bill.

The purpose of this article is to help you learn how to effectively get price quotes and some tips to save money. If you currently have car insurance, you should be able to save some money using this strategy. But car owners do need to understand how the larger insurance companies sell online and use this information to your advantage.

Get lower rates by earning these ten discounts

Not too many consumers would say auto insurance is affordable, but there could be available discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be asked for before you will receive the discount.

• ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems can avoid accidents and will save you 10% or more.
• Defensive Driver – Taking part in a course teaching safe driver skills can save you 5% or more depending on where you live.
• Claim-Free Discount – Insureds who avoid accidents and claims pay less as opposed to drivers who are more careless.
• Auto/Life Discount – Larger companies have a discounted premium rate on car insurance if you buy a life policy as well.
• Air Bag Discount – Options like air bags or automatic seat belts may earn rate discounts of 25 to 30%.
• Telematics Data – Drivers that enable companies to spy on when and where they use their vehicle by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates as long as the data is positive.
• Anti-theft Discount – Vehicles equipped with tracking devices and advanced anti-theft systems can help prevent theft and will save you 10% or more.
• Discounts for New Vehicles – Putting coverage on a new car can save you some money since new model year vehicles have better safety ratings.
• Service Members Pay Less – Being deployed in the military could trigger a small discount.
• Club Memberships – Having an affiliation with qualifying clubs or civic groups is a simple method to lower premiums on your bill.

You should keep in mind that most discounts do not apply to the entire policy premium. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, nobody gets a free ride.

Some companies that may offer these benefits include:

• State Farm
• Progressive
• Progressive
• MetLife
• Farm Bureau
• Geico
• SAFECO

If you need inexpensive auto insurance quotes, ask every company which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policyholders in your area. If you would like to view companies that have a full spectrum of discounts, click here.

Buy insurance coverage online

There are a lot of ways to compare insurance coverage prices but there is one way that is more efficient than others. You could spend your day discussing policy coverages with local insurance agents in your area, or you can stay home and use online quotes to get prices fast.

Most car insurance companies belong to an insurance system that enables customers to submit their information once, and each participating company can give them a price based on that information. This saves time by eliminating form submissions for every insurance coverage company.

To find out how much you’re overpaying now click here to open in new window.

The only drawback to getting quotes like this is that you can’t choose the providers to receive prices from. So if you want to select from a list of companies to request quotes from, we have a page of insurance coverage companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just make absolute certain that you use the same quote data for each price quote. If each company quotes differing limits you will not be able to get a fair rate comparison. Quoting even small variations in limits can make a big difference in price. And when quoting insurance coverage, remember that getting more free quotes helps increase your odds of locating the best rates.

Your insurance coverage should be tailored to you

When it comes to choosing coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that may help highlight whether you may require specific advice.

• Is my ex-spouse still covered by my policy?
• Should I buy more coverage than the required minimum liability coverage?
• Does my policy cover me when driving someone else’s vehicle?
• How do I file an SR-22 for a DUI in my state?
• What happens if I owe more than my 2015 Volkswagen e-Golf is worth?
• What can I do if my company won’t pay a claim?
• Is rental equipment covered for theft or damage?
• Is motorclub coverage worth it?

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. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverages explained

Knowing the specifics of auto insurance can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most auto insurance policies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Liability coverage

This coverage can cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like repair bills for other people’s vehicles, funeral expenses, loss of income and structural damage. How much coverage you buy is a personal decision, but buy higher limits if possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, a tree branch falling on your vehicle, a broken windshield, damage from a tornado or hurricane and theft. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for expenses like nursing services, ambulance fees and dental work. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Collision insurance

This pays for damage to your e-Golf caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like sustaining damage from a pot hole, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Saving money is sweet as honey

When getting auto insurance quotes online, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice uninsured motorist or liability limits only to regret that it was a big mistake. The goal is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

We just presented a lot of techniques to compare 2015 Volkswagen e-Golf insurance rates online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on auto insurance is with a company that doesn’t do a lot of advertising. These smaller insurers may only write in your state and offer lower car insurance rates compared to the large companies like Geico and State Farm.

Additional information can be read below:

• Car Insurance: When not to Skimp (BankRate.com)
• Safe Vehicles for Teens (iihs.org)
• What is Gap Insurance? (Insurance Information Insitute)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• All About Airbag Safety (State Farm)