Cheaper 1998 Volkswagen GTI Insurance Quotes

Overwhelmed by the dozens of insurance providers? Consumers have so many providers available that it can quickly become a chore to lower your prices.

You should make it a habit to compare prices on a regular basis because insurance rates are constantly changing. Even if you got the lowest premium rates on GTI coverage two years ago you can probably find a lower rate today. Block out anything you think you know about insurance because you’re about to find out the things you must know in order to find better coverage at a better price.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. This article will let you in on how car insurance quotes work and some tips to save money. Nevertheless, vehicle owners do need to know the way insurance companies price insurance differently and take advantage of how the system works.

Cheapest insurance coverage quotes

There are a variety of methods to shop for insurance coverage, but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you could use online quotes to achieve your goal.

Many of the larger companies take part in a program that enables customers to only type in their quote data once, and at least one company then returns a price quote based on that information. This saves time by eliminating form submissions to every company.

To find out how much you’re overpaying now click here to open in new window.

The one disadvantage to doing it this way is buyers cannot specifically choose which carriers to get pricing from. So if you want to select from a list of companies to receive pricing from, we have a listing of insurance coverage companies in your area. Click here for list of insurance companies.

The approach you take is up to you, just be certain you are entering the exact same coverage data on every quote. If the quotes have different limits and deductibles on each one it will be nearly impossible to determine the best price for your Volkswagen GTI. Just slight variations in coverages could skew the results. It’s important to know that comparing all the rates in your area provides better odds of finding a lower rate than you’re paying now. Not every company allows you to get online rate quotes, so you also need to get quotes from them, too.

Take advantage of every car insurance discount

Car insurance is easily one of your largest bills, but there are discounts available to cut the cost considerably. A few discounts will automatically apply when you quote, but some need to be specifically requested before you will receive the discount. If you do not double check each discount you deserve, you’re just leaving money on the table.

Good Student Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. The discount lasts up to age 25.
Defensive Driving Course – Taking a safe driver course could possibly earn you a 5% discount and make you a better driver.
Own a Home – Just owning your own home can save you money because it is proof of financial responsibility.
Senior Citizen Discount – Older drivers are able to get lower premium rates on GTI coverage.
Early Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you can actually save on your bill.

You should keep in mind that some of the credits will not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A list of car insurance companies and the discounts they provide are detailed below.

GEICO offers premium reductions for military active duty, good student, defensive driver, anti-theft, and driver training.
Travelers offers discounts including save driver, student away at school, payment discounts, continuous insurance, home ownership, and multi-car.
Farm Bureau policyholders can earn discounts including youthful driver, multi-vehicle, safe driver, 55 and retired, driver training, and renewal discount.
Liberty Mutual may offer discounts for new vehicle discount, newly married, good student, new move discount, preferred payment discount, and multi-car.
American Family has savings for air bags, good driver, Steer into Savings, multi-vehicle, early bird, bundled insurance, and TimeAway discount.
Progressive discounts include homeowner, continuous coverage, multi-vehicle, multi-policy, and good student.

When comparing rates, check with all companies you are considering how many discounts you can get. Some discounts listed above might not be available to policyholders in your area.

How to know if you need help

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions may help you determine if you will benefit from professional help.

Am I covered if I hit my neighbor’s mailbox?
Do I get a pro-rated refund if I cancel my policy early?
Is my babysitter covered when using my vehicle?
When should I not file a claim?
How high should my uninsured/underinsured coverage be in my state?
When should my teen driver be added to my policy?
How does medical payments coverage work?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form.

Car insurance coverages for a 1998 Volkswagen GTI

Understanding the coverages of auto insurance aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for collisions

Collision insurance will pay to fix damage to your GTI resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with another moving vehicle, sideswiping another vehicle, crashing into a building, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, fire damage, damage from a tornado or hurricane, rock chips in glass and damage from flooding. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for liability

This will cover damage that occurs to people or other property in an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like legal defense fees, attorney fees, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses such as doctor visits, hospital visits and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Volkswagen GTI.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.