Get Cheaper Volkswagen GLI Insurance in Three Steps
If finding affordable car insurance was easy, most of us would take the time to do it. But in reality, the cost for insurance always seems too high and most people would prefer to get a root canal. Buying insurance on your Volkswagen GLI might leave you feeling the same way.
Step One: Shop Around
If it's been a few years since you shopped for car insurance, you might still think the only way to buy is from a local agent. Welcome to the 21st century!
The best car insurance companies offer online quoting for a Volkswagen GLI and it's very easy to compare different rates by only using one form.
Start a free rate quote comparison now by clicking the link below. Once you complete the short form, you'll be able to compare rates and then move on to our next section on how to lower rates even further.
Apples-to-Apples! When doing comparison quotes for your GLI, it's very important that you use the same liability limits and physical damage deductibles on each quote. Otherwise you will not be able to accurately determine which company has the lowest rates.
Step Two: Top Ways to Get Lower GLI Insurance
After step one is complete, it's now time to analyze some of the other factors that can negatively impact car insurance rates for a GLI.
- Good credit will get you lower car insurance rates. Evidence correlates good credit with low claims, so the better you maintain your credit level, the less risk you are to your company.
- If your city or county offers a driver's safety course, find out if your insurance company will give you a discount to complete it. It could save you up to 10%.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
- Being a homeowner can often get you a little discount on your auto insurance. Insuring you home with the same company as your autos can often get you even deeper discounts.
- If you belong to a professional organization for your employment, you may qualify for a discount rate. And if you're a senior citizen, you may get a discount for your age as well.
- If you're willing to shoulder more of the cost at claim time, consider raising your comprehensive and collision deductibles. This can easily cut 30% or more from your policy premium.
- If you have any teenage drivers in your household, expect to fork out quite a bit more for insurance. Rating them on a low profile vehicle with liability only coverage is the best way to save money.
- Speeding tickets and other violations can negatively impact your insurance rates for up to three years. Get too many tickets and you'll be shopping for a new car insurance company.
- Newer car models are coming standard with advanced passenger safety systems, and these help reduce the risk of injury in an accident. Less injuries mean lower insurance rates.
- Try to maintain a claim-free discount on your car insurance policy. Obviously you can't prevent large claims, but if they are smaller and you can afford to pay them out-of-pocket, do so.
- Vehicle thefts drive up the cost of everyone's insurance, but if your GLI is on the list of the most frequently stolen cars, you might be paying just a little extra.
Step Three: Make an Informed Buying Decision
Buying a new car insurance policy is just a matter of finalizing your application form and submitting it with your down payment. Once payment has been accepted, coverage is bound the effective date shown on your application.
On your new policy, double check that the effective date is the same as the date you are cancelling your old policy. This avoids any lapse in coverage which can cause an increase in your rates.
If you don't currently have a car insurance policy, make sure you have coverage in force before driving your Volkswagen off the lot. But if you already have a policy, you will have coverage extended to your new car from your existing policy. If your current policy has any vehicle with full coverage (comprehensive and collision), then your new GLI will have that coverage extended to it. If you only have liability coverage on your policy, then you have no physical damage coverage on your new purchase.
Once your new policy has been purchased, you are required to keep the proof-of-insurance card in your vehicle at all times. This is required by state law and you can receive a citation if you cannot provide it. If an SR-22 is required due to a reckless driving conviction, DUI or conviction of driving without insurance, make sure your new company is aware of that. Not filing a court-ordered SR-22 can result in suspension of your driver's license.
Additional Insurance Information
For more information on car insurance topics like the claims process, rental car insurance and how much coverage you need, visit the Insurance Information Institute website.