Compare 1996 Volkswagen GTI Insurance Rates

Looking for the cheapest auto insurance rates for your Volkswagen GTI? Have you finally had enough of robbing Peter to pay Paul each month for auto insurance? Your situation is no different than most other vehicle owners. Popular companies such as State Farm and Geico continually bombard you with ads and consumers find it hard to see through the deception and take the time to shop coverage around.

You need to compare rates at least once a year because auto insurance prices fluctuate regularly. Despite the fact that you may have had the best rates on GTI insurance on your last policy you can probably find a better premium rate now. There are a lot of ways to save on auto insurance online but I’m going to show you the best ways to quit paying high auto insurance rates.

How insurance providers determine Volkswagen GTI insurance premiums

Lots of factors are taken into consideration when you get your auto insurance bill. Some factors are common sense such as your driving record, although others are more obscure such as your marital status or your vehicle rating.

• How your age affects prices – Older people are more cautious drivers, tend to file fewer claims and are safer drivers.Drivers with little experience are proven to be careless and easily distracted when at the wheel of a vehicle and because of this, their auto insurance rates are much higher.
• Single drivers take more risk – Having a significant other may cut your premiums on your policy. Marriage usually means you are more financially stable and statistics show married couples file fewer claims.
• Defend yourself with liability – The liability section of your policy will afford coverage if you are found liable for damages caused by your negligence. It will provide legal defense which can cost a lot. Liability insurance is quite affordable when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
• Drive fewer miles and save – The more you drive your Volkswagen each year the higher your rates will be. A lot of companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles that have low annual miles can get a lower rate than cars that get driven a lot. Verify your policy correctly shows the correct driver usage, because improper ratings can cost you money. Incorrect rating for your GTI can cost quite a bit.
• Rates increase with policy add-ons – There are quite a few extra add-on coverages that may not really be needed on your auto insurance policy. Insurance for things like rental car reimbursement, accident forgiveness, and motor club memberships are probably not needed. These coverages may sound good when you first buy your policy, but your money might be better spent on other coverage so remove them from your policy.

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Verify you’re getting every discount

Buying insurance is not cheap, but companies offer discounts that you may not even know about. Many discounts should be triggered at the time you complete a quote, but once in a while a discount must be manually applied before being credited.

• Switch and Save Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. It could save around 10% when you buy car insurance online.
• Driver Training Discounts – Successfully completing a driver safety course may get you a small discount and easily recoup the cost of the course.
• Life Insurance Discount – If the company offers life insurance, you could get lower rates if you buy life insurance.
• Driver Education Discount – Have your child enroll in driver’s education as it will make them better drivers and lower rates.
• Multi-car Discount – Having all your vehicles on the same insurance policy may reduce the rate for each vehicle.
• Good Grades Discount – This discount can get you a discount of up to 25%. The good student discount can last up to age 25.
• Paperwork-free – Certain insurance companies will give you a small discount for completing your application online.

It’s important to understand that most discounts do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as comp or med pay. Just because you may think you could get a free insurance policy, you aren’t that lucky.

A list of insurance companies and a partial list of their discounts are shown below.

• Progressive policyholders can earn discounts including homeowner, multi-policy, online quote discount, online signing, good student, multi-vehicle, and continuous coverage.
• AAA has discounts for pay-in-full, multi-policy, education and occupation, anti-theft, AAA membership discount, and good student.
• Farmers Insurance offers discounts for teen driver, good student, business and professional, bundle discounts, homeowner, and early shopping.
• Geico has savings for federal employee, military active duty, multi-policy, emergency military deployment, driver training, air bags, and good student.
• Esurance may include discounts for multi-car, online shopper, emergency road assistance, Switch & Save, good student, and paid-in-full.
• SAFECO offers discounts including multi-car, drive less, teen safety rewards, anti-theft, accident prevention training, teen safe driver, and bundle discounts.
• State Farm discounts include anti-theft, passive restraint, safe vehicle, good driver, defensive driving training, Drive Safe & Save, and Steer Clear safe driver discount.

If you need cheaper car insurance quotes, ask each insurance company which discounts they offer. Some of the discounts discussed earlier might not be offered everywhere. To find providers that have a full spectrum of discounts, follow this link.

Save $399 a year. For real?

Consumers get pounded daily by advertisements that claim the cheapest car insurance rates by companies like State Farm, Allstate and Geico. All the ads tend to make the same promise that people will save just by switching to them.

How does every company offer you a better deal? This is the trick they use.

Many companies have a certain “appetite” for the type of insured that earns them a profit. A good example of a driver they prefer might be a married male, owns their home, and insures a new vehicle. A driver that matches those criteria will get the preferred premium rates and will also save some money.

Potential customers who don’t qualify for this ideal profile will have to pay higher rates and this can result in business going elsewhere. If you listen closely, the ads state “people who switch” not “everyone who quotes” save money. That is how companies can truthfully make claims like that. This emphasizes why drivers should compare as many free car insurance quotes as you can. Because without a comparison, you cannot know which insurance coverage company will have the lowest rates for your situation.

When should I discuss my situation with an agent?

When choosing coverage, there is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions may help highlight if your insurance needs might need an agent’s assistance.

• Who is covered by my policy?
• What should my uninsured motorist coverage limits be in my state?
• What is the minimum liability in my state?
• Is my teenager covered with friends in the car?
• If I drive on a suspended license am I covered?
• How do I buy GAP insurance?
• Is borrowed equipment or tools covered if stolen or damaged?
• Will filing a claim cost me more?
• Am I covered if I hit my neighbor’s mailbox?
• Do I have coverage when using my vehicle for my home business?

If you can’t answer these questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and may give you better protection.

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Coverages available on your policy

Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement. These are typical coverages offered by insurance companies.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, hail damage, theft and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Volkswagen GTI.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills like rehabilitation expenses, pain medications, funeral costs and prosthetic devices. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

Collision insurance covers damage to your GTI resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sideswiping another vehicle, crashing into a building, crashing into a ditch and backing into a parked car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Auto liability insurance

This will cover injuries or damage you cause to a person or their property by causing an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as medical expenses, repair bills for other people’s vehicles, legal defense fees, structural damage and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Buy online or local, you save

Cost effective 1996 Volkswagen GTI insurance can be purchased from both online companies in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies may not have rate quotes online and these small, regional companies sell through independent agents.

As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced full coverage only to find out that the small savings ended up costing them much more. The aim is to buy enough coverage at the best cost but still have enough coverage for asset protection.

Even more information is located in these articles:

• Tools for Teen Driving Safety (State Farm)
• Safe Vehicles for Teens (iihs.org)
• Understanding Limits and Deductibles (Allstate)
• Insurance Losses by Make and Model (iihs.org)
• Learn About Car Insurance (Geico)

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