How Much Does 1999 Volkswagen GTI Car Insurance Cost?

Want the cheapest auto insurance rates for your Volkswagen GTI? Tired of robbing Peter to pay Paul to pay high auto insurance rates every month? You’re in the same situation as millions of other vehicle owners.

Having so many online and local companies to choose from, it can be impossible to pick the most affordable auto insurance company.

Locating the best insurance coverage coverage is quite easy. Essentially anyone who is shopping for insurance coverage most likely will be able to find lower rates. But drivers do need to know how insurance companies price insurance differently and take advantage of how the system works.

Compare insurance quotes online

Most larger insurance companies like Allstate, Geico and Progressive allow you to get coverage prices online. This process is possible for anyone because it’s just a matter of typing in your coverage preferences into a form. After the form is submitted, their system will order information on your driving record and credit history and generates pricing information based on these and other factors. Online quotes makes comparing rates easy, but the time it takes to visit each company’s website and repetitively complete many quote forms can be a bit repetitive. Unfortunately, it is important to perform this step if you want to get lower prices.

There is a better way to compare rates

The easiest way to locate the lowest prices uses one simple form that obtains quotes from a lot of companies. It’s a real time-saver, requires much less work on your part, and makes online shopping much easier. After sending the form, it is quoted and you can choose any of the quotes that you receive.

If the quotes result in lower rates, you can simply submit the application and purchase coverage. The entire process takes 15 minutes at the most and may result in a nice savings.

To save time and compare rates now, click here and begin entering your coverage information. If you have a policy now, it’s recommended you copy coverages and limits identical to your current policy. Doing this assures you will have an apples-to-apples comparison using the exact same coverages.

Can you really save $479 a year?

Well-known auto insurance companies like Allstate, Geico and Progressive consistently run ads on television and other media. All the companies seem to make the promise that people will save if you get a free auto insurance quote and switch your policy. But how can every company charge you a lower premium? You have to listen carefully.

Auto insurance companies give the cheapest rates for the right customer they prefer to insure. For example, a profitable customer might be described as between the ages of 30 and 50, has no driving citations, and drives newer vehicles. Any driver that hits that “sweet spot” will get the preferred prices and as a result will probably save a lot if they switch.

Potential insureds who may not quite match the “perfect” profile must pay higher prices and the driver buying from a lower-cost company. The ad wording is “people that switch” not “everyone who quotes” can get the lowest rates when switching. That’s why insurance companies can confidently make the claims of big savings.

Because every company is different, drivers must quote coverage with many companies. It’s just too difficult to predict which insurance companies will provide you with the cheapest rates.

Six factors that impact insurance prices

When buying auto insurance it’s important to understand some of the things that come into play when calculating the rates you pay for auto insurance. If you know what determines premiums, this allows you to make good choices that may reward you with cheaper rates. Lots of factors are taken into consideration when you get a price on insurance. Most are fairly basic such as your driving history, but others are not quite as obvious like where you live or your vehicle rating.

The list below includes some of the items used by companies to determine your rates.

• Teen drivers pay higher premiums – Older insureds are shown to be more cautious, file fewer claims and receive fewer citations.Teenage drivers are known to be more careless when behind the wheel so auto insurance rates are higher.
• You might want pay the minor insurance claims yourself – If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance companies award most affordable rates to people that do not abuse their auto insurance. Your insurance policy is intended for claims that you cannot pay yourself.
• Rates can drop if you have more than one policy – Many insurance companies allow lower prices to buyers that purchase more than one policy in the form of a multi-policy discount. Discounts can add up to as much as ten percent or more Even if you’re getting this discount you still need to compare rates to help ensure you have the lowest rates. It’s possible to still find a better deal even if you have your coverage with different companies
• Good drivers pay better premiums – Your driving citation history can have a huge impact on auto insurance premiums. Careful drivers pay lower auto insurance prices as compared to careless drivers. Having a single citation can increase the cost of insurance substantially. Drivers who get license-revoking violations like reckless driving, hit and run or driving under the influence may face state-mandated requirements to complete a SR-22 with their state’s department of motor vehicles in order to legally drive.
• Poor credit history equals high rates – A driver’s credit history is likely to be a major factor in determining your rates. Therefore, if your credit rating is lower than you’d like, you could pay less to insure your 1999 Volkswagen GTI by spending a little time repairing your credit. People that have very high credit ratings tend to file fewer claims as compared to drivers with lower credit scores.
• Occupation stress can affect premiums – Do you work in a high-stress field? Careers like military generalsair traffic controllers and dentists tend to pay the highest average rates in part from intense work situations and lots of time spent at work. Conversely, professions such as farmers, historians and homemakers have lower than average premiums on GTI insurance.

Car insurance discounts are available to lower your rates

Car insurance companies don’t always list all their discounts in an easy-to-find place, so the list below contains a few of the more common as well as some of the hidden credits available to lower your premiums when you buy auto insurance online.

• Active Military Service – Having an actively deployed family member could qualify you for better rates.
• Use Seat Belts – Requiring all passengers to buckle up can save a little on medical payment and PIP coverage.
• Braking Control Discount – Anti-lock brake equipped vehicles have fewer accidents so companies give up to a 10% discount.
• Early Renewal Discounts – Some larger companies reward drivers for switching policies before your current policy expires. It can save you around 10%.
• Passenger Safety Discount – Factory options such as air bags and/or automatic seat belt systems may get savings of more than 20%.

Discounts lower rates, but most discount credits are not given to all coverage premiums. Most cut individual premiums such as liability and collision coverage. Even though it appears all those discounts means the company will pay you, it just doesn’t work that way.

A list of car insurance companies and their possible discounts can be read below.

• 21st Century includes discounts for air bags, 55 and older, good student, teen driver, and defensive driver.
• Progressive discounts include multi-policy, continuous coverage, online quote discount, online signing, multi-vehicle, good student, and homeowner.
• State Farm has savings for good driver, Steer Clear safe driver discount, multiple policy, anti-theft, and passive restraint.
• Nationwide offers premium reductions for business or organization, accident-free, good student, defensive driving, anti-theft, and multi-policy.
• Esurance may have discounts that include emergency road assistance, good student, good driver, paid-in-full, defensive driver, DriveSense, and multi-policy.
• The Hartford policyholders can earn discounts including vehicle fuel type, defensive driver, bundle, air bag, good student, driver training, and anti-theft.

When getting free auto insurance quotes, it’s a good idea to every company which discounts they offer. A few discounts may not be offered in your area. If you would like to view car insurance companies that provide some of the discounts listed above, click here to view.

Everyone needs different auto insurance coverages

When choosing coverage, there really is not a cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. For instance, these questions may help you determine whether or not you could use an agent’s help.

• How does medical payments coverage work?
• Are my friends covered when driving my 1999 Volkswagen GTI?
• Will filing a claim cost me more?
• What exactly is covered by my policy?
• Am I covered when using my vehicle for business?
• Should I have combined single limit or split liability limits?
• Is my teen driver covered when they drive my company car?
• Is my dog or cat covered if injured in an accident?
• Why am I required to get a high-risk car insurance policy?
• What can I do if my company denied a claim?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area.

The coverage is in the details

Knowing the specifics of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages found on the average insurance policy.

Liability coverages – This provides protection from injuries or damage you cause to a person or their property in an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as bail bonds, loss of income and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Collision coverage – Collision coverage covers damage to your GTI from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as sideswiping another vehicle, colliding with a tree, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for bills such as pain medications, surgery, rehabilitation expenses, dental work and chiropractic care. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Volkswagen GTI.

Because many people 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 important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Comprehensive coverage – This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hail damage, falling objects, fire damage and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

A fool and his money are soon parted

In this article, we presented some good ideas how you can save on 1999 Volkswagen GTI insurance. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even find the lowest rates are with a small local company. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like State Farm, Geico and Nationwide.

Discount 1999 Volkswagen GTI insurance is attainable both online as well as from independent agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers do not offer online rate quotes and many times these smaller companies provide coverage only through independent agents.

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. There have been many situations where an insured dropped physical damage coverage and found out when filing a claim that it was a big mistake. Your focus should be to buy enough coverage at an affordable rate while still protecting your assets.

Even more information is located in the articles below:

• All About Airbag Safety (State Farm)
• Winter Driving (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)