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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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 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.
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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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.
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.
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.
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.
Quoted with GEICO for my Volkswagen and cut my rates about $70 a year. Insured with State Farm before.
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.
Progressive is cheapest in North Dakota! :)
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.