Cheaper 1991 Volkswagen GTI Insurance Rates

Looking for cheaper auto insurance rates for your Volkswagen GTI? Nobody looks forward to paying for auto insurance, in particular when they are paying too much.

You have multiple car insurance companies to buy insurance from, and though it is a good thing to have a selection, it can be more difficult to find the lowest rates.

The most recommended method to get policy rate comparisons takes advantage of the fact car insurance companies actually pay money for the chance to give you rate quotes. To get started, all you need to do is provide a little information including distance driven, driver ages, your general credit rating, and the type of vehicles you drive. The data is instantly submitted to all major companies and you get price estimates instantly.

To check car insurance prices now, click here and find out if you can get cheaper insurance.

Get lower rates with these discounts

Companies don’t necessarily list the entire discount list in an easy-to-find place, so we researched some of the more common and also the lesser-known credits available to bring down your rates.

• Homeowners Discount – Being a homeowner can save you money since home ownership requires a higher level of personal finance.
• First Accident Forgiveness – This isn’t a discount exactly, but companies like Progressive, Allstate, and Liberty Mutual will forgive one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
• Government Employee Discount – Federal government employees may reduce rates when you quote insurance coverage for GTI coverage with select insurance companies.
• Active Military Service – Having a deployed family member could trigger a small discount.
• Air Bags and Passive Restraints – Factory air bags or motorized seat belts may get savings of up to 25% or more.
• Distant Student – Children who live away from home at college and don’t have a car may be able to be covered for less.
• Low Mileage Discounts – Low annual miles could be rewarded with substantially lower premium rates.

Remember that many deductions do not apply to the entire policy premium. Some only apply to individual premiums such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, you’re out of luck.

Large insurance companies and their possible discounts are:

• American Family may offer discounts for air bags, good driver, TimeAway discount, good student, defensive driver, bundled insurance, and mySafetyValet.
• Farm Bureau may include discounts for multi-policy, multi-vehicle, youthful driver, driver training, and good student.
• State Farm has discounts for Steer Clear safe driver discount, safe vehicle, driver’s education, good student, and defensive driving training.
• Travelers offers discounts including multi-policy, IntelliDrive, driver training, home ownership, and continuous insurance.
• The Hartford offers premium reductions for driver training, good student, defensive driver, vehicle fuel type, bundle, anti-theft, and air bag.
• Geico has savings for air bags, military active duty, federal employee, anti-theft, and seat belt use.
• Progressive may have discounts that include continuous coverage, online quote discount, good student, multi-policy, multi-vehicle, online signing, and homeowner.

When getting a coverage quote, ask every company the best way to save money. A few discounts might not apply in your area. To see a list of providers offering insurance discounts, click this link.

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Volkswagen GTI insurance price factors

Lots of factors are used in the calculation when you quote your car insurance policy. Most are fairly basic like your driving record, although some other factors are not quite as obvious like your continuous coverage or how safe your car is.

The following are some of the factors insurance coverage companies consider when setting premiums.

• Be proud to be claim-free – If you frequently file small claims, you can look forward to higher premiums or even policy non-renewal. Auto insurance companies generally give most affordable rates to insureds who are not frequent claim filers. Your insurance policy is intended to be relied upon for claims that pose a financial burden.
• Safer cars cost less to insure – Vehicles that have high safety ratings get lower rates. Safer cars protect occupants better and any reduction in injury severity translates directly to fewer claims and more competitive rates for policyholders. If the Volkswagen GTI is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
• How do annual miles impact prices? – The more miles you rack up on your Volkswagen each year the more you’ll pay to insure your vehicle. The majority of insurers calculate prices based on their usage. Autos that sit idle most of the time cost less to insure than cars that get driven a lot. Ask your agent if your policy states annual mileage. An improperly rated GTI is throwing money out the window.
• What are your physical damage deductibles? – Protection for physical damage, also called ‘full coverage’, is used to repair damage to your vehicle. Examples of covered claims are a windshield shattered by a rock, collision with an animal, and having your car stolen. Your deductibles define the amount you are required to pay in the event of a claim. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance for GTI coverage.
• Extra policy coverages push up costs – Policies have extra bells and whistles that may not really be needed when buying insurance coverage. Coverage for things like rental car reimbursement, accidental death, and membership fees are probably not needed. The coverages may be enticing when buying your policy, but if they’re wasting money consider taking them off your policy.

Car insurance can be complex

When buying coverage for your vehicles, there is no perfect coverage plan. Every situation is different so your insurance should reflect that These are some specific questions may help highlight whether you would benefit from professional advice.

• Should I bundle my homeowners policy with my auto?
• Is other people’s property covered if stolen from my vehicle?
• What happens if I owe more than my 1991 Volkswagen GTI is worth?
• Am I covered if my car is in a flood?
• When do I need to add a new car to my policy?
• Am I better off with higher deductibles on my 1991 Volkswagen GTI?
• Are all vehicle passengers covered by medical payments coverage?
• Should I carry comprehensive and collision coverage?
• Why am I be forced to buy a membership to get insurance from some companies?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Drivers who switch save $418 a year? Really?

Insurance coverage providers like State Farm, Geico and Progressive continually stream ads on television and other media. They all make the point that drivers will save a bundle if you move your insurance coverage coverage to their company. How does every insurance coverage company have lower policy pricing? It’s all in the wording.

All the different companies quote their best rates for the type of driver that is profitable for them. A good example of a preferred risk may need to be over age 30, has no prior claims, and drives less than 7,500 miles a year. A driver who matches that profile may get the lowest car insurance rates and will most likely save when switching.

Drivers who fall outside those criteria will get a more expensive rate which results in business going elsewhere. The wording the ads use say “people who switch” but not “all drivers who get quotes” save that much money. That’s the way insurance companies can make those claims. Different companies use different criteria so it’s extremely important to get as many free insurance coverage quotes as possible. It’s just too difficult to predict which company will have the best rates.

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Car insurance coverages explained

Having a good grasp of your car insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by car insurance companies.

Liability car insurance

This provides protection from damage or injury you incur to people or other property in an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like medical expenses, loss of income, court costs and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

UM/UIM Coverage

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, theft, damage from flooding and hitting a bird. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical costs insurance

Med pay and PIP coverage kick in for expenses like hospital visits, pain medications, rehabilitation expenses, prosthetic devices and chiropractic care. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a ditch, scraping a guard rail and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Don’t be a big spender

More affordable insurance can be bought online and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. A few companies may not offer the ability to get a quote online and many times these regional insurance providers sell through independent agents.

When trying to cut insurance costs, don’t be tempted to buy poor coverage just to save money. There have been many cases where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The ultimate goal is to get the best coverage possible at the lowest possible cost.

To read more, take a look at the articles below:

• Preventing Carjacking and Theft (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• Teen Driver Licensing Information (iihs.org)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)

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