Cheaper 1992 Volkswagen GTI Insurance Quotes

Trying to come up with a payment for expensive insurance can take a big chunk out of your savings and force you to make tough financial choices. Comparing cost estimates is free and is an excellent way to cut your insurance bill.

Insurance companies such as Allstate and Progressive increase brand awareness with catchy ads and it can be hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.

Insurance discounts help lower rates

Some insurance providers don’t necessarily list every discount in a way that’s easy to find, so we break down both well-publicized as well as some of the hidden credits available to bring down your rates.

  • ABS and Traction Control Discounts – Cars with ABS braking systems or traction control can reduce accidents and will save you 10% or more.
  • Homeowners Discount – Just owning your own home can save you money because maintaining a house shows financial diligence.
  • Air Bag Discount – Factory options such as air bags or automatic seat belts may get savings of up to 25% or more.
  • Full Payment Discount – By making one initial payment as opposed to paying monthly you may reduce your total bill.
  • Multi-Vehicle Discounts – Having multiple cars on one policy may reduce the rate for each vehicle.

Remember that some of the credits will not apply to your bottom line cost. Some only apply to individual premiums such as collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky.

A few popular companies and the discounts they provide are shown below.

  • GEICO may include discounts for driver training, military active duty, air bags, good student, and defensive driver.
  • Mercury Insurance has savings for good driver, anti-theft, ease of repair, age of vehicle, annual mileage, low natural disaster claims, and multi-car.
  • Farmers Insurance offers premium reductions for homeowner, electronic funds transfer, pay in full, alternative fuel, and multi-car.
  • Auto-Owners Insurance offers discounts for paperless, group or association, good student, company car, multiple vehicles, safe driver, and safe vehicle.
  • Liberty Mutual may have discounts that include hybrid vehicle, newly retired, new vehicle discount, good student, multi-policy, exclusive group savings, and teen driver discount.
  • SAFECO offers discounts including drive less, anti-theft, multi-car, teen safety rewards, anti-lock brakes, and accident prevention training.
  • Progressive policyholders can earn discounts including good student, online signing, multi-vehicle, online quote discount, continuous coverage, multi-policy, and homeowner.
  • USAA may offer discounts for military installation, vehicle storage, safe driver, family discount, multi-policy, and loyalty savings.

Before buying, ask each company which discounts can lower your rates. Savings may not apply in your area. If you would like to view providers with the best discounts, follow this link.

Which is the best auto insurance?

When buying the right insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that may help highlight if you may require specific advice.

  • Is my nanny covered when driving my vehicle?
  • Is a fancy paint job covered?
  • Am I covered if I drive in a foreign country?
  • Am I covered when delivering products for my home-based business?
  • What is medical payments coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does coverage extend to my business vehicle?
  • Can my teen drive my company car?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Is there deception in advertising?

Well-known car insurance companies like 21st Century, Allstate and State Farm seem to constantly run television and radio advertisements. They all make the point that people will save if you get a free insurance coverage quote and switch your coverage. How does every company have lower policy pricing? This is the way they can do it.

Insurance providers are able to cherry pick for the type of customer that earns them a profit. An example of this type of insured should be married and over the age of 30, has a clean driving record, and drives a car with an anti-theft system. Any driver who meets those qualifications receive the lowest rate quotes and will also save quite a bit of money when switching.

Insureds who may not quite match those standards will be quoted a more expensive rate and this can result in business going elsewhere. Company advertisements say “customers who switch” not “everyone that quotes” save the amount stated. This is how companies can truthfully state the savings. Because of this risk profiling, it is so important to compare price quotes frequently. It’s just not possible to know the company that will give you lower premium rates than your current company.

Auto insurance coverage information

Understanding the coverages of your insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages found on most insurance policies.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like dental work, hospital visits, funeral costs, prosthetic devices and doctor visits. They are utilized in addition to your health insurance program or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision coverages – Collision coverage pays for damage to your GTI caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as damaging your car on a curb, hitting a parking meter, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like falling objects, hitting a deer, damage from a tornado or hurricane, damage from flooding and hitting a bird. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability car insurance – This coverage can cover damage or injury you incur to other’s property or people in an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like legal defense fees, court costs, medical expenses, emergency aid and funeral expenses. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Final thoughts

When getting insurance coverage quotes online, it’s a bad idea to skimp on critical coverages to save a buck or two. In too many instances, an insured dropped liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to get the best coverage possible at an affordable rate, but do not skimp to save money.

We just showed you many ways to reduce 1992 Volkswagen GTI insurance prices online. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers may even find the lowest prices are with a small mutual company. Smaller companies may only write in your state and offer lower rates compared to the large companies like State Farm or Progressive.

Cheaper insurance coverage can be bought online in addition to many insurance agents, so you need to quote insurance coverage with both in order to have the best chance of saving money. Some insurance providers don’t offer rates over the internet and usually these small, regional companies sell through local independent agents.

More detailed insurance coverage information is located by following these links:

Comments About 1992 Volkswagen GTI Insurance

  1. Lavonna Hawkins

    If you’re a decent driver and live around Baltimore, MD, check out 21st Century. They seem to be cheaper. Was with Nationwide. I just carry liability insurance.

  2. Hassan Carver

    If you have a clean record and live around Grand Rapids, Michigan, check out Progressive. I saved quite a bit. Good savings if you bundle. Did it all online. Anyone else drop full coverage?

  3. Rebbeca Martinez

    Anyone compare GEICO and Allstate rates in West Valley City, UT?

  4. Tyesha Tanner

    Hope my car insurance gets cheaper. I’m from Parkersburg, WV. Quoted prices online for a 1992 Volkswagen GTI. Ended up at about $80 savings annually. Went with 21st Century. Ask about discounts. Not worth enough to pay for comprehensive and collision.

  5. Krystyna Boyer

    I live on the south side of Sioux Falls, SD. I got free rates from 21st Century, AIG Insurance, and some I forget for my Volkswagen and I think I saved about $30 each month. I used their website to get prices. I don’t insure for physical damage though.

  6. Adrian Nelson

    Where is cheaper car insurance? Lifelong resident of Tampa, FL. Quoted quotes with Hanover, Amica, Safeco, and a couple others for my Volkswagen and cut my rates about $100 a year. I get lower rates because of my clean driving record.

  7. Isidra Herman

    I got a good deal I think. Proud to be from Shreveport, LA. Don’t remember every company but I ended up saving about $20 each month. I just quoted rates online.

  8. Fonda Perkins

    Thought I’d throw in my experience. I live north of San Antonio, Texas. Got rates from Travelers, Amica, Hartford, and MetLife for my Volkswagen and I’m now saving $21 a month. Insured with Eastwood before. Not sure if rates are cheaper online or not. Full coverage costs too much.

  9. Joette Zamora

    All companies are crooks. Checking in from Nampa, Idaho. I quoted with GMAC, Amica, MetLife, and a couple others for my Volkswagen and saved about $80 a year. I’m thinking about dropping full coverage though.