Compare 1997 Volkswagen GTI Insurance Quotes

Want the cheapest insurance coverage rates for your Volkswagen GTI? Are you sick and tired of robbing Peter to pay Paul to make your insurance coverage payment? You have the same problem as many other consumers. Many auto insurance companies compete to insure your vehicles, and because of this it can be hard to compare insurers to find the best rate

It’s smart to take a look at other company’s rates on a regular basis because prices are rarely the same from one policy term to another. Even if you got the best rates for GTI coverage a year ago the chances are good that you can find a lower premium rate today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the proper way to find great coverage at a great price.

Get lower-cost insurance with discounts

Insuring your fleet can be pricey, but you may qualify for discounts that can drop the cost substantially. Most are applied when you get a quote, but some need to be manually applied before being credited.

  • Low Miles Discount – Driving fewer miles can qualify you for slightly better prices than normal.
  • Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts could see savings of 25 to 30%.
  • Telematics Devices – Insureds that choose to allow driving data submission to study where and when they drive by using a telematic data system like Allstate’s Drivewise might get better premium rates if they show good driving skills.
  • Resident Student – Youth drivers who attend college more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • Discounts for Federal Employees – Active or retired federal employment can save as much as 8% for GTI coverage depending on your insurance provider.
  • Senior Discount – If you’re over the age of 55, you may receive reduced rates for GTI coverage.
  • Early Switch Discount – Some companies reward drivers for switching companies early. It can save you around 10%.
  • Service Members Pay Less – Having an actively deployed family member may qualify for rate reductions.

Keep in mind that most credits do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way. Any amount of discount will positively reduce your policy premiums.

The best insurance companies and the discounts they provide are outlined below.

  • GEICO offers discounts for federal employee, daytime running lights, membership and employees, air bags, defensive driver, and anti-theft.
  • MetLife may offer discounts for multi-policy, claim-free, good student, accident-free, defensive driver, good driver
  • State Farm has savings for multiple autos, good driver, multiple policy, accident-free, and safe vehicle.
  • Progressive discounts include online signing, online quote discount, homeowner, continuous coverage, multi-policy, and good student.
  • Mercury Insurance offers discounts including good student, location of vehicle, multi-car, annual mileage, and accident-free.
  • 21st Century offers premium reductions for driver training, student driver, defensive driver, air bags, homeowners, teen driver, and theft prevention.
  • Allstate may include discounts for FullPay discount, safe driver, economy car, early signing, and resident student.

If you are trying to find low cost insurance quotes, ask all companies you are considering how you can save money. Some credits might not apply in every state. To locate providers with discount insurance rates, follow this link.

How to buy insurance online

Finding cheaper insurance rates is a fairly straight forward process. All that’s required is to spend a few minutes on the computer to get quotes to discover which company has the cheapest insurance quotes. This is very easy and can be done in several different ways.

  • The simplest way to get quotes would be an industry-wide quote request form (click to open form in new window). This easy form keeps you from doing repetitive form submissions for every insurance company. Filling out one form gets prices estimates from all major companies.
  • A more time consuming way to shop for insurance online consists of going to the website for each individual company and get a separate price quote. For instance, let’s assume you are doing a rate comparison from Liberty Mutual, State Farm and GEICO. To get rate quotes you would need to go to each individual site to enter the same coverage data repeatedly, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  • The least efficient and most time consuming method to find and compare rates is to spend time driving to and from local insurance agencies. Quoting online reduces the need to sit down with an agent unless you have a complicated situation and need the advice and guidance that only a licensed agent can provide. However, consumers can comparison shop online and have a local agent actually service the policy.

Compare rates however you want, just be certain you are entering nearly identical deductibles and coverage limits with every price quote. If each company quotes unequal deductibles or liability limits then you won’t be able to truly determine the lowest rate.

Tailor your car insurance coverage to you

When choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help highlight whether you would benefit from an agent’s advice.

  • Is my 1997 Volkswagen GTI covered for smoke damage?
  • Is extra glass coverage worth it?
  • Am I covered if I wreck a rental car?
  • Does my insurance cover a custom paint job?
  • Why am I required to buy liability insurance?
  • What is the difference between comprehensive and collision coverage?
  • Should I rate my 1997 Volkswagen GTI as pleasure use or commute?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Insurance specifics

Having a good grasp of your policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages offered by insurance companies.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like sustaining damage from a pot hole, hitting a parking meter, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Comprehensive insurance

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

Comprehensive insurance covers things like damage from getting keyed, a broken windshield, hitting a bird and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses like X-ray expenses, dental work and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like medical services, repair bills for other people’s vehicles, funeral expenses, loss of income and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your 1997 Volkswagen GTI.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Have money to burn

When shopping online for auto insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut full coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your goal is to get the best coverage possible at a price you can afford, not the least amount of coverage.

In this article, we presented many tips how you can get a better price on 1997 Volkswagen GTI insurance. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even find the best price on auto insurance is with a small local company. Smaller companies may have significantly lower prices on certain market segments than their larger competitors like Allstate and Progressive.

Lower-priced 1997 Volkswagen GTI insurance is available from both online companies and from local agencies, and you should compare rates from both to have the best selection. Some companies do not offer the ability to get quotes online and many times these regional insurance providers provide coverage only through independent insurance agencies.

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