1991 Volkswagen GTI Car Insurance Cost

Are you a victim of an underperforming, overpriced car insurance policy? Believe me, there are a lot of people just like you who feel imprisoned by their car insurance policy. Because there are so many choices of insurance companies, it’s nearly impossible to find the cheapest insurer.

It’s a good habit to shop coverage around on a regular basis since rates are constantly changing. If you had the best deal on GTI coverage six months ago you can probably find a lower rate today. So block out anything you think you know about car insurance because we’re going to show you the fastest way to save on car insurance.

Automobile Insurance Quotes

Shopping for lower insurance coverage rates is a ton of work if you don’t understand the easiest way. You could spend your day talking to agents in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to submit their information once, and at least one company returns a rated price for coverage. This saves time by eliminating repetitive form submissions for every insurance coverage company.

To access this free quoting program, click to open in new window.

One minor caviat to pricing coverage this way is you cannot specify the companies to get quotes from. So if you want to select specific insurance companies to compare, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

It’s your choice how you get your quotes, but ensure you’re using exactly the same quote information for each comparison quote. If you enter different deductibles you will not be able to determine the lowest rate for your Volkswagen GTI.

Cut your premium with discounts

Car insurance companies don’t always publicize every available discount very clearly, so here is a list both well-publicized as well as the least known insurance savings. If you’re not getting every credit you deserve, you are throwing money away.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags can get savings up to 30%.
  • Safety Course Discount – Taking part in a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Drive Less and Save – Driving fewer miles could qualify for a substantially lower rate.
  • New Car Discount – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on GTI coverage than less cautious drivers.
  • Good Student Discount – This discount can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Early Signing – Some companies give discounts for signing up prior to your current policy expiration. This can save 10% or more.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.

Keep in mind that some of the credits will not apply the the whole policy. Most only cut the cost of specific coverages such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky.

For a list of insurance companies who offer insurance discounts, follow this link.

Elements that influence Volkswagen GTI insurance rates

Smart consumers have a good feel for the rating factors that help determine car insurance rates. Having a good understanding of what determines base rates enables informed choices that could result in better car insurance rates.

  • Too many car insurance claims drive up costs – If you frequently file small claims, you can look forward to either higher rates or even cancellation. Companies give lower rates to policyholders who do not rely on their insurance for small claims. Car insurance is intended for larger claims.
  • How many coverages with the same company – Some insurers provide better rates to policyholders who have multiple policies with them in the form of a multi-policy discount. Even with this discount, you may still want to shop around to make sure you are getting the best deal.
  • How’s your driving record? – Just one citation can increase rates forty percent or more. Good drivers tend to pay less for car insurance compared to drivers with tickets. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with their state DMV in order to keep their license.
  • Don’t skimp on liability – Liability coverage will protect you if ever a court rules you are at fault for damages caused by your negligence. Liability insurance provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
  • Don’t cancel a policy without a new one in place – Having an insurance coverage lapse will be a quick way to pay more for car insurance. Not only will rates go up, but being ticketed for driving with no insurance may earn you a steep fine or even jail time.You may have to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Better credit means lower rates – A driver’s credit score is a important factor in calculating your car insurance rates. Consumers who have good credit tend to be less risk to insure as compared to drivers with lower credit scores. Therefore, if your credit history is low, you could potentially save money when insuring your 1991 Volkswagen GTI by improving your rating.
  • Adjust deductibles and save – The deductibles represent how much money you are required to spend out-of-pocket before your car insurance pays a claim. Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your car. Some instances where coverage would apply are colliding with a building, vandalism, and rolling your vehicle. The higher the amount you are required to pay out-of-pocket, the lower your rates will be on GTI coverage.

What is the best insurance coverage?

When it comes to choosing the best car insurance coverage for your personal vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions can aid in determining whether you could use an agent’s help.

  • Are rock chip repairs covered?
  • Does my policy pay for OEM or aftermarket parts?
  • Can I make deliveries for my home business?
  • Am I covered when driving on a suspended license?
  • Am I covered when using my vehicle for business?
  • Am I covered when driving someone else’s vehicle?
  • If my pet gets injured in an accident are they covered?
  • Do I have newly-aquired coverage?
  • Is a blown tire covered by insurance?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Specifics of your auto insurance policy

Learning about specific coverages of auto insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average auto insurance policy.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a parking meter, sideswiping another vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from 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 like vandalism, fire damage, falling objects, hitting a bird and hail damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for bills such as pain medications, chiropractic care and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Liability coverage

Liability insurance provides protection from damage that occurs to a person or their property. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for things like bail bonds, court costs and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they 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.

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

More quotes mean more savings

In this article, we covered quite a bit of information on how to save on 1991 Volkswagen GTI insurance. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. You may even find the best price on insurance is with some of the smallest insurance companies. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as Progressive or Geico.

When you buy insurance online, don’t be tempted to reduce needed coverages to save money. Too many times, drivers have reduced full coverage and discovered at claim time that it was a big mistake. The ultimate goal is to buy enough coverage at an affordable rate, not the least amount of coverage.

Even more information can be found by following these links: