1990 Volkswagen GTI Car Insurance Quotes

Buyers have many options when searching for the best price on Volkswagen GTI insurance. You can either waste hours contacting agents trying to get quotes or utilize the internet to compare rates. There are both good and bad ways to buy insurance coverage so we’re going to tell you the quickest way to compare rates on a Volkswagen and obtain the cheapest rates either online or from local insurance agents.

Compare free car insurance quotes

There are a lot of ways you can shop for car insurance but some are less labor-intensive and much quicker. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you can utilize the internet to get rate comparisons in just a few minutes.

Many popular insurance companies participate in an industry program that allows shoppers to send in one quote, and each participating company then gives them pricing determined by their information. This eliminates the need for quote forms for every car insurance company.

To enter your information into the quoting system, click to open in new window.

The single downside to using this type of form is you don’t know exactly the providers you want pricing from. So if you prefer to choose individual companies to compare, we have assembled a list of low cost car insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just double check that you are using the exact same quote information on every quote. If you compare different limits and deductibles on each one you will not be able to truly determine the lowest rate.

More affordable rates with discounts

Some providers don’t always advertise every policy discount very well, so we took the time to find a few of the more well known and also the lesser-known credits that you can use to lower your rates.

  • Full Payment Discount – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles have fewer accidents so you can save 10 percent or more.
  • E-sign Discounts</strong – Some companies give back up to $50 for buying a policy and signing up on their website.
  • Auto/Home Discount – When you combine your auto and homeowners insurance with the same insurance company you may earn at least 10% off all policies.
  • Onboard Data Collection – Insureds who allow their insurance company to look at their driving habits by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they are good drivers.
  • Own a Home – Simply owning a home may trigger a policy discount on auto insurance due to the fact that maintaining a home shows financial diligence.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if offered at their school.

Remember that some credits don’t apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, it’s just not the way it works.

Large auto insurance companies and the discounts they provide are included below.

  • State Farm may have discounts that include driver’s education, defensive driving training, student away at school, good driver, passive restraint, and Drive Safe & Save.
  • Nationwide offers premium reductions for family plan, easy pay, anti-theft, business or organization, defensive driving, and good student.
  • Geico includes discounts for emergency military deployment, air bags, military active duty, driver training, federal employee, multi-policy, and multi-vehicle.
  • AAA offers discounts including anti-theft, education and occupation, multi-policy, AAA membership discount, good driver, pay-in-full, and good student.
  • 21st Century may offer discounts for good student, homeowners, driver training, air bags, automatic seat belts, and anti-lock brakes.
  • The Hartford has discounts for anti-theft, good student, vehicle fuel type, driver training, and air bag.

When quoting, ask each insurance company to give you their best rates. Some of the discounts discussed earlier may not apply to policyholders in every state. To locate companies that offer some of these discounts, follow this link.

What is the best car insurance coverage?

When buying the best car insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions might point out if you might need an agent’s assistance.

  • Why am I required to buy high-risk coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my babysitter covered when using my vehicle?
  • How can I get my company to pay me more for my totalled car?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What is the minimum liability in my state?
  • Who is covered when they drive my 1990 Volkswagen GTI?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

How do insurance companies determine Volkswagen GTI insurance costs?

A large part of saving on insurance is knowing some of the things that are used to determine the level of your policy premiums. When you understand what influences your rates, this enables informed choices that could help you find big savings.

  • High comp and collision deductibles equal low rates – Comprehensive and collision coverage deductibles represent how much money you are willing to pay if you file a covered claim. Physical damage protection, also called ‘full coverage’, insures against damage to your car. Some examples of claims that would be covered are a windshield broken by a bird, hail damage, and damage from wind. The more you are required to pay out-of-pocket, the lower your rates will be on GTI coverage.
  • Responsible drivers pay less – Drivers with clean records get better rates as compared to those with violations. Getting just one moving violation can increase rates by as much as twenty percent. Drivers unfortunate enough to have dangerous violations like DUI or willful reckless driving may be required to maintain a SR-22 with the DMV in their state in order to prevent a license revocation.
  • Always have insurance – Allowing your insurance policy to lapse will be a fast way to trigger a rate increase. Not only will rates go up, being ticketed for driving with no insurance may result in a revoked license or a big fine. You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Your employer may affect insurance rates – Do you have a high-stress occupation? Occupations such as judgespolice officers and emergency personnel have higher rates than average due to job stress and long work days. On the other hand, careers like actors, students and performers pay lower than average rates on GTI coverage.
  • Lower premiums with theft deterrents – Driving a car with anti-theft technology or alarm system can help lower your premiums. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.

Don’t be fooled by advertising claims

Drivers can’t escape the ads for the lowest price insurance from the likes of Allstate, Geico and Progressive. They all try to convey promises about savings if you move your policy.

How does each company save you money? It’s all in the words they use.

Companies give the cheapest rates for the type of customer that will most likely be profitable. A good example of a desirable risk might have to be over the age of 45, carries full coverage, and drives newer vehicles. A customer who meets those qualifications is entitled to the best price and is almost guaranteed to save if they switch.

Insureds who are not a match for these standards may be forced to pay higher premiums which translates to the customer buying from a different company. If you listen closely, the ads state “people who switch” but not “everyone who gets a quote” save that much. That’s why insurance companies can make those claims. Because of this risk profiling, drivers must compare price quotes frequently. Because you never know the company that will fit your personal profile best.

Learn about auto insurance coverages for a 1990 Volkswagen GTI

Learning about specific coverages of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.


This provides protection from damage that occurs to people or other property that is your fault. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims like medical services, court costs and structural damage. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as nursing services, X-ray expenses and doctor visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage

Collision coverage pays for damage to your GTI resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like hitting a parking meter, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, fire damage, vandalism, hitting a deer and rock chips in glass. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

What is YOUR best insurance company?

Consumers change insurance companies for any number of reasons including extreme rates for teen drivers, unfair underwriting practices, policy cancellation and even delays in responding to claim requests. Regardless of your reason, finding the right car insurance provider can be easy and end up saving you some money.

In this article, we presented some good ideas how you can get a better price on 1990 Volkswagen GTI insurance. The most important thing to understand is the more times you quote, the better chance you’ll have of finding cheaper auto insurance. Drivers may discover the lowest premium rates come from a lesser-known regional company.

As you restructure your insurance plan, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, drivers have reduced full coverage to discover at claim time that the few dollars in savings costed them thousands. Your objective should be to purchase a proper amount of coverage at the best possible price, but do not skimp to save money.

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Comments About 1990 Volkswagen GTI Insurance

  1. Bree Clayton

    Mine is so expensive. Live in Charleston, SC. I got free rates from 21st Century, Liberty Mutual, and Farmers for my GTI and I’m now saving $12 a month. Left Western Auto Insurance to switch. They offer free online rate quotes.

  2. Yang Macdonald

    I live just to the north of Virginia Beach, Virginia. Got car insurance prices from State Farm, American Family, and some I forget for my GTI and I think I saved around $20 each month. I have several vehicles insured with them. Just waiting to see how claims go. My GTI doesn’t have full coverage.

  3. Hai Britt

    Live in the western part of Las Vegas, Nevada. I don’t recall every quote but I ended up saving about $30 each month. Have an at-fault accident tho.

  4. Johnny Hamilton

    IT’S ALL TOO EXPENSIVE! I’m from Spokane, Washington. Got car insurance quotes with Auto-Owners, Esurance, and Nationwide for my GTI and saved about $80 a year. Insured with Erie before.

  5. Gerardo Steele

    Quoted with GEICO for my Volkswagen and cut my rates about $70 a year. Insured with State Farm before.

  6. Polly Owens

    Like your site, BTW. I live just to the north of Mesa, Arizona. Got car insurance quotes with Allstate, Hartford, and Eastwood for my 1990 Volkswagen GTI and saved about $90 a year. Can still barely afford it. Liability only on my Volkswagen.

  7. Chet Gillespie

    Progressive is cheapest in North Dakota! :)

  8. Georgia Cervantes

    Not sure if this is cheap. I live just to the west of Portland, ME. I got free prices from American Family, Farmers, and Sentry for my GTI and saved about $100 a year. Bought it from an online quote.