1990 Volkswagen GTI Insurance Quotes

Searching for better car insurance rates for your Volkswagen GTI? Trying to come up with a payment for expensive car insurance can diminish your savings account and put the squeeze on your family’s finances.

Since you have so many online and local companies to choose from, it’s nearly impossible to choose the lowest cost company.

Consumers need to check car insurance prices as often as possible because prices are adjusted regularly by insurance companies. Just because you had the lowest rates for GTI coverage six months ago you may be paying too much now. Block out anything you think you know about car insurance because we’re going to demonstrate the best way to lower your rates without sacrificing coverage.

Discounts for cheaper auto insurance rates

Car insurance companies do not list every policy discount very well, so the next list breaks down a few of the more well known and the more hidden ways to save on auto insurance.

  • Pay Early and Save – If you can afford to pay the entire bill instead of paying each month you could save 5% or more.
  • Discount for Home Ownership – Owning a home can save you money since home ownership is proof of financial responsibility.
  • Discount for Passive Restraints – Factory options such as air bags may qualify for discounts of 25 to 30%.
  • Policy Bundle Discount – If you insure your home and vehicles and place coverage with the same company you could earn a discount of over 10 percent off each policy depending on the company.
  • ABS and Traction Control Discounts – Cars and trucks with anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
  • Discount for Swiching Early – A few companies offer discounts for switching companies early. You may see this discount when you get insurance coverage quotes online.
  • Data Collection Discounts – Drivers who agree to allow driving data collection to monitor vehicle usage by installing a telematics device like Allstate’s Drivewise might get better premium rates as long as they are good drivers.
  • Student Discounts – Getting good grades may save as much as 25% on a insurance coverage quote. Earning this discount can benefit you up until you turn 25.

Discounts lower rates, but most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, you aren’t that lucky.

Car insurance companies that may have these money-saving discounts may include but are not limited to:

It’s a good idea to ask every company to apply every possible discount. Some of the earlier mentioned discounts might not apply in your area. If you would like to choose from a list of companies that can offer you the previously mentioned discounts, click this link.

Insurance premiums are influenced by these factors

An important part of buying insurance is that you know a few of the rating criteria that come into play when calculating the price you pay for insurance coverage. When you understand what influences your rates, this allows you to make educated decisions that could help you find much lower annual insurance costs. Multiple criteria are part of the calculation when quoting car insurance. A few of the factors are predictable like your driving record, but some are not quite as obvious like where you live or how safe your car is.

Listed below are most of the major factors that factor into rates.

  • High credit scores save money – An insured’s credit history is a large factor in determining what you pay. Insureds that have high credit scores tend to be more responsible than those with poor credit. If your credit history is lower than you’d like, you may save money insuring your 1990 Volkswagen GTI if you improve your credit rating.
  • Car plus home equals more savings – Many companies apply a discount to buyers that have more than one policy such as combining an auto and homeowners policy. Discounts can add up to as much as ten percent or more Even if you qualify for this discount already, consumers should still compare other company rates to help ensure you have the lowest rates. It’s possible to still save even more than the discount even if you have your coverage with different companies
  • Does car insurance cost more for males? – The statistics show females are less aggressive when driving. That doesn’t necessarily mean that females are better drivers. Women and men cause auto accidents at about the same rate, but men have accidents that have higher claims. Men also tend to receive more major tickets such as reckless driving. Teenage male drivers generally have the highest accident percentage and therefore are the most expensive to insure.
  • Safety ratings are a factor – Vehicles that have high safety ratings are cheaper to insure. Safer cars result in less severe injuries and better occupant protection translates into savings for insurance companies and lower rates for you. If your Volkswagen GTI is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • File a insurance claims and pay more – Companies generally give most affordable rates to people who file claims infrequently. If you are the type of insured that files lots of claims you can definitely plan on either a policy non-renewal or much higher rates. Your insurance policy is intended for major claims that would cause financial hardship.
  • Insurance coverage lapses lead to higher premiums – Driving without insurance is illegal and you may have a hard time finding new coverage because you let your insurance expire. In addition to paying higher premiums, the inability to provide proof of insurance will get you fines or a revoked license.
  • Your stress level may be raising your rates – Did you know that where you work can have an impact on rates? Jobs such as fire fighters, architects and emergency personnel have the highest average rates in part from intense work-related stress and incredibly demanding work hours. Other careers such as farmers, historians and homemakers have lower than average premiums for GTI coverage.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For instance, these questions can help discover if your insurance needs might need professional guidance.

  • Do I have any recourse if my insurance company denies a claim?
  • What is medical payments coverage?
  • Am I missing any policy discounts?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is business property covered if stolen from my car?
  • Am I covered if hit by an uninsured driver?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Insurance coverage options for a 1990 Volkswagen GTI

Understanding the coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most insurance policies.

Collision protection

This coverage will pay to fix damage to your GTI resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sideswiping another vehicle, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers 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 can pay for things like hitting a bird, theft, a broken windshield, damage from a tornado or hurricane and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses for things like surgery, dental work, chiropractic care and nursing services. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries 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 is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Liability car insurance

Liability insurance can cover damage or injury you incur to other people or property. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things like medical services, structural damage, attorney fees and bail bonds. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Be a penny pincher

Throughout this article, we presented many ideas to reduce 1990 Volkswagen GTI insurance car insurance rates online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your premium rates. You may even discover the most savings is with a small local company. Smaller companies often have lower premium rates on specific markets than the large multi-state companies such as Allstate and Progressive.

Some insurance companies do not offer online price quotes and many times these smaller providers only sell coverage through independent agents. Cheaper 1990 Volkswagen GTI insurance is attainable both online in addition to many insurance agents, and you need to price shop both so you have a total pricing picture.

Much more information about auto insurance is available on the following sites: