2002 Volkswagen GTI Car Insurance Rates

Shoppers have a choice when shopping for affordable Volkswagen GTI insurance. They can either spend hours contacting agents getting price quotes or use the internet to compare rates. There is a right way and a wrong way to buy car insurance and we’ll show you the quickest way to quote coverages on a Volkswagen and find the lowest price.

Buying car insurance is quite easy. If you have car insurance now, you will most likely be able to cut costs considerably using these techniques. Drivers just need to understand the proper methods to get comparison quotes online.

The quickest method we recommend to compare car insurance rates is to realize most larger insurance companies participate in online systems to give you rate quotes. All you need to do is give them some information like whether you are married, how old drivers are, how much you drive, and what your job is. Those rating factors is instantly provided to many different companies and they return quotes instantly.

Insurance advertising tricks

Consumers can’t ignore all the ads for insurance coverage savings by 21st Century, Allstate and State Farm. They all seem to make the promise of big savings just by switching your insurance coverage coverage to their company.

How is it plausible that every one can make almost identical claims? Here is the trick they use.

Companies have specific guidelines for the driver that will generate a profit. An example of this type of risk profile may be between the ages of 30 and 50, has no claims, and the vehicle is rated for pleasure use. Any person who meets those qualifications receive the lowest rate quotes and will most likely pay quite a bit less when switching companies.

Consumers who do not fit these stringent criteria will have to pay higher premium rates and this results in the customer not purchasing. If you listen to the ad wording, they say “customers that switch” not “all people who quote” will save that much if they switch. That is how companies can truthfully state the savings. Because of these techniques, you should compare many company’s rates. It’s impossible to know the company that will have the best prices for your profile.

Discounts for cheaper auto insurance rates

Insuring your fleet can be pricey, but you may be missing some discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you complete an application, but some discounts are required to be asked for prior to receiving the credit.

  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Claim Free – Insureds with no claims or accidents pay less as compared to frequent claim filers.
  • Distant Student – living away from home attending college without a vehicle on campus can receive lower rates.
  • Early Renewal Discounts – A few insurance companies offer discounts for buying a new policy prior to the expiration date on your current policy. It can save you around 10%.
  • Active Service Discounts – Being deployed with a military unit could be rewarded with lower rates.
  • Smart Student Discounts – Performing well in school may save as much as 25% on a car insurance quote. You can use this discount normally up to age 25.

You should keep in mind that some of the credits will not apply the the whole policy. The majority will only reduce specific coverage prices like medical payments or collision. Even though the math looks like all those discounts means the company will pay you, you aren’t that lucky.

Auto insurance companies that have some of the above discounts are:

It’s a good idea to ask every company what discounts are available to you. Some of the earlier mentioned discounts might not be offered in your area. If you would like to choose from a list of auto insurance companies offering auto insurance discounts, click here.

You may need specialized insurance coverage

When it comes to choosing coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that might help in determining if your situation will benefit from professional help.

  • Should I put collision coverage on all my vehicles?
  • What is the ISO rating for a 2002 Volkswagen GTI?
  • Do I need motorclub coverage?
  • What happens if I owe more than my 2002 Volkswagen GTI is worth?
  • How high should my medical payments coverage be?
  • When should I drop full coverage on my 2002 Volkswagen GTI?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Parts of your car insurance policy

Understanding the coverages of your car insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Volkswagen GTI.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like EMT expenses, chiropractic care, funeral costs, ambulance fees and prosthetic devices. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like vandalism, a tree branch falling on your vehicle, hitting a deer, damage from a tornado or hurricane and fire damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.


Liability insurance protects you from damage or injury you incur to other people or property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as medical expenses, loss of income and emergency aid. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Auto collision coverage

Collision coverage pays for damage to your GTI resulting from colliding with a stationary object or other vehicle. 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, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

A tidy conclusion

Throughout this article, we presented some good ideas how to lower your 2002 Volkswagen GTI insurance rates. The most important thing to understand is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. Consumers may even find the biggest savings come from the smaller companies.

Drivers change insurance companies for many reasons like lack of trust in their agent, policy non-renewal, extreme rates for teen drivers or even delays in responding to claim requests. No matter why you want to switch, switching auto insurance companies is easier than you think.

As you restructure your insurance plan, don’t be tempted to skimp on coverage in order to save money. In many cases, an accident victim reduced full coverage only to discover later that it was a big error on their part. The aim is to get the best coverage possible at the lowest possible cost, not the least amount of coverage.

To learn more, feel free to visit the resources below:

Comments About 2002 Volkswagen GTI Insurance

  1. Annie Moreno

    Here’s my quote info. I live south of Greensboro, NC. I got free quotes with Western Auto Insurance, American Family, GMAC, and Nationwide for my Volkswagen and I think I saved around $20 each month. Not sure if rates are cheaper online or through an agent. Next renewal I’ll just do liability.

  2. Melania Long

    I live in a small town just outside of Allentown, PA. Got car insurance quotes with 21st Century, The General, and Eastwood for my 2002 Volkswagen GTI and I’m now saving $18 a month. Just go online and compare their rates.

  3. Camille Russell

    I can’t pay high rates. Located in Warren, MI. Got quotes from State Farm, Auto-Owners, Encompass, and GMAC for my Volkswagen and I’m now saving $16 a month. Bought it from an online quote.

  4. Leta Bradley

    I found affordable 2002 Volkswagen GTI insurance from GEICO in Aurora, IL.

  5. Damion Barron

    I went with State Farm at renewal. Best rates in Baltimore, Maryland. :) Not worth enough to pay for comprehensive and collision.

  6. Steffanie Wilkinson

    It’s all a rip off. Proud to be from Allentown, Pennsylvania. I got free rates from Safeco, Erie, GEICO, and AAA for my 2002 Volkswagen GTI and saved $113 a year. Are quotes cheaper online?

  7. Nathaniel Welch

    If you’re from Los Angeles, CA get quotes from State Farm and Progressive and you might save.

  8. Sebrina Short

    From northwest of Tampa, FL. I got free prices from Amica, Sentry, and some smaller one I can’t remember the name of for my Volkswagen and saved just over $60 a year. Moved home policy as well. Still almost need a second mortgage. Next renewal I’ll just do liability.

  9. Lisabeth Velazquez

    If you’re a decent driver and are close to Lewiston, ME, check out Allstate. I saved quite a bit. LOL

  10. Yajaira Randall

    I got a good deal I think. I’m from Miami, FL. Compared quite a few companies. Saved darn near $20 a month. Progressive was the cheapest option for me. They have free quotes online.