1995 Volkswagen GTI Insurance Quotes – 6 Discounts for Best Rates

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me when I say there are a lot of people just like you who feel imprisoned by their car insurance policy.

Companies like Progressive, GEICO and Farmers Insurance persitently shower you with ad campaigns and it can be hard to separate fact from fiction and take the time to shop coverage around.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these tips. Finding the best rates is quite easy. Nevertheless, vehicle owners should learn how companies market insurance on the web and take advantage of how the system works.

More discounts mean affordable premiums

Some insurance providers don’t list every policy discount in an easy-to-find place, so the list below details both well-publicized and the more hidden discounts that you can inquire about if you buy auto insurance online.

  • Discounts for Responsible Drivers – Drivers who avoid accidents could pay up to 40% less for GTI insurance than drivers with accident claims.
  • Full Payment Discount – By paying your entire bill at once rather than paying monthly you can avoid monthly service charges.
  • ABS Braking Discount – Cars with anti-lock braking systems have fewer accidents and earn discounts up to 10%.
  • Passenger Safety Discount – Factory air bags or motorized seat belts may get savings of 25 to 30%.
  • Discount for Multiple Policies – If you insure your home and vehicles and insure them both with the same insurance company you may earn up to 20% and get you cheap auto insurance.
  • Onboard Data Collection – Drivers who agree to allow driving data submission to spy on driving patterns by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they are good drivers.

It’s important to note that most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, companies don’t profit that way.

For a list of insurers that offer the discounts shown above, click this link.

It’s not one size fits all

When it comes to buying the best insurance coverage coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether or not you might need professional guidance.

  • Why does it cost so much to insure a teen driver?
  • Is business equipment covered while in my vehicle?
  • Am I covered if I crash into my own garage door?
  • Does car insurance cover theft of personal property?
  • Should I sign the liability waiver when renting a car?
  • Do I have newly-aquired coverage?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Auto insurance coverages and their meanings

Understanding the coverages of a auto insurance policy helps when choosing appropriate coverage for your vehicles. Auto insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages available from auto insurance companies.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for bills like rehabilitation expenses, pain medications and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive auto insurance – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from flooding, a tree branch falling on your vehicle and theft. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 1995 Volkswagen GTI.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Collision coverages – This coverage pays for damage to your GTI from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like backing into a parked car, hitting a mailbox, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability insurance – Liability coverage provides protection from damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers claims such as medical expenses, repair bills for other people’s vehicles, loss of income and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Get your money’s worth

You just read quite a bit of information on how to get a better price on 1995 Volkswagen GTI insurance. The key concept to understand is the more times you quote, the better your comparison will be. Consumers could even find that the most savings is with the smaller companies. They can often provide lower car insurance rates in certain areas than the large multi-state companies such as Allstate or State Farm.

Discount 1995 Volkswagen GTI insurance can be found both online as well as from insurance agents, so you should compare both so you have a total pricing picture. Some auto insurance companies may not provide online rate quotes and these regional carriers provide coverage only through independent insurance agents.

When trying to cut insurance costs, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced liability coverage limits only to find out that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage for the lowest price and still be able to protect your assets.

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