Five Minute Lesson to Buying Insurance on the Web for a Volkswagen GLI in Nevada

No one in their right mind likes having to buy car insurance, in particular when the price is too high.

Because there are so many car insurance companies to choose from, it’s nearly impossible to pick the lowest price car insurance company.

It’s important to do rate comparisons occasionally because rates go up and down regularly. Even if you got the best price on GLI insurance six months ago you may be paying too much now. So just block out anything you think you know about car insurance because you’re about to learn one of the quickest ways to remove unneeded coverages and save money.

The purpose of this article is to familiarize you with how to effectively get price quotes. If you are paying for car insurance now, you will be able to save some money using this strategy. Nevertheless, Nevada consumers can benefit from knowing how big insurance companies determine prices.

Compare Nevada Car Insurance Costs

The are a couple different ways of comparing rates from car insurance companies in your area. The best way to find competitive Volkswagen GLI insurance rates consists of obtaining rate quotes online. This can be done in a couple of different ways.

  1. The fastest way consumers can analyze rates is a comparison rater form click to view form in new window. This method eliminates the need for a different quote for each company you want a rate for. One quote request compares rates from several companies.
  2. A different way to compare rate quotes consists of visiting each company’s website and fill out their own quote form. For example, we’ll pretend you want to compare rates from Progressive, State Farm and Liberty Mutual. You would have to take the time to go to each site to enter your coverage information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but make sure you use apples-to-apples coverage limits and deductibles for every quote you compare. If you enter differing limits you can’t possibly determine the best price for your Volkswagen GLI. Slightly different coverages may cause a big price difference. And when comparing car insurance rates, know that quoting more will enable you to find better pricing.

Ads can be misleading

Car insurance companies such as Allstate and Progressive regularly use ads in print and on television. They all seem to have a common claim of big savings if you move to them. How can each company say the same thing? It’s all in the numbers.

Insurance companies have a certain “appetite” for the type of customer they prefer to insure. A good example of a profitable customer might be between 30 and 50, is a homeowner, and drives newer vehicles. A propective insured who fits that profile will get very good rates and therefore will pay quite a bit less when switching companies.

Consumers who don’t qualify for the “perfect” profile will be charged higher prices and this can result in the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everyone that quotes” save money. That is how companies can make those claims.

That is why drivers should get as many comparisons as possible. It’s impossible to know which company will have the lowest rates.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but companies offer discounts that you may not even be aware of. Some trigger automatically at the time you complete a quote, but a few must be asked for before they will apply.

  • Low Mileage – Fewer annual miles on your Volkswagen can earn a substantially lower rate.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on GLI insurance than their less cautious counterparts.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Government Employees – Employees or retirees of the government may qualify you for a discount on GLI insurance with certain companies.
  • Student Driver Training – Have your child complete a driver education course if offered at their school.
  • Payment Method – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Multi-car Discount – Insuring more than one vehicle on one policy qualifies for this discount.
  • No Accidents – Drivers with accident-free driving histories pay less compared to accident-prone drivers.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like you could get a free car insurance policy, companies wouldn’t make money that way. Any amount of discount will help reduce your premiums.

To choose insurance companies offering car insurance discounts in Nevada, click here to view.

Tailor your coverage to you

When choosing adequate coverage, there 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 can aid in determining if your situation would benefit from an agent’s advice.

  • What is the minimum liability in Nevada?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How do I file an SR-22 for a DUI in Nevada?
  • Can I afford to pay high deductible claims out of pocket?
  • When should my teen driver be added to my policy?
  • Am I covered by my spouse’s policy after a separation?
  • Are all vehicle passengers covered by medical payments coverage?
  • Should I buy additional glass protection?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Additional information can be read on the website for the Nevada Division of Insurance. Click here for link. Nevada drivers can find a variety of consumer forms, find out industry alerts, file complaints about an insurance agent or broker, and file complaints about a company.

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More quotes mean more savings

You just learned many ideas to reduce Volkswagen GLI insurance prices online. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. You may even find the lowest premiums are with some of the smallest insurance companies. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive or GEICO.

Lower-priced Volkswagen GLI insurance is available both online in addition to many Nevada insurance agents, so compare prices from both to have the best selection. Some car insurance companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.