1992 Volkswagen GTI Insurance Quotes – 10 Discounts for Cheaper Rates

Trying to find cheaper auto insurance rates? Buyers have many options when searching for the lowest priced Volkswagen GTI insurance. They can either spend hours struggling with agents to compare prices or utilize the internet to make rate comparisons.

There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the best way to quote coverages for a new or used Volkswagen and obtain the lowest price.

Consumers need to do rate comparisons every six months because prices trend upward over time. Even if you got the best deal for GTI insurance a few years ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because you’re about to find out the tricks you need to know to lower your rates without sacrificing coverage.

Which Insurance is Cheapest?

There are a lot of ways to compare insurance prices but one way is easier and takes less work. You can waste a few hours (or days) driving to agents in your area, or you can utilize online quoting to achieve your goal.

The majority of car insurance companies belong to an insurance system that enables customers to enter their coverage request one time, and at least one company provides a quote based on that information. This system prevents you from having to do quote requests for each company.

To use this form to compare 1992 Volkswagen GTI insurance rates click here to open in new window.

The only downside to using this type of form is you don’t know exactly the providers you want pricing from. If you would rather choose specific providers to receive pricing from, we have a page of the cheapest insurance companies in your area. Click to view list.

However you get your quotes, make absolute certain that you use identical coverage limits and deductibles for every quote you compare. If you enter unequal deductibles or liability limits it will be very difficult to determine which rate is truly the best.

Auto insurance ads bend the truth

Consumers get pounded daily by advertisements for car insurance savings from the likes of Allstate and Progressive. They all seem to say the same thing about savings after switching your coverage to them.

But how can every company make the same claim?

All companies have a certain “appetite” for the driver that earns them a profit. An example of a preferred risk might be profiled as between 30 and 50, owns a home, and has excellent credit. A driver that hits that “sweet spot” receives the best rates and therefore will save a lot of money.

Drivers who don’t meet this ideal profile must pay higher premiums which usually ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” but not “drivers who get quotes” save that much. That’s the way companies can truthfully claim big savings.

This illustrates why drivers must compare many company’s rates. It’s just too difficult to predict which insurance companies will provide you with the cheapest Volkswagen GTI insurance rates.

Save with discounts on Volkswagen GTI insurance

Car insurance can cost a lot, but there are discounts available that can drop the cost substantially. Some trigger automatically at the time of purchase, but some must be inquired about before they will apply. If they aren’t giving you every credit available, you are paying more than you should be.

  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% for GTI insurance with a few car insurance companies.
  • Bundle and Save – If you insure your home and vehicles with one company you will save at least 10% off all policies.
  • Multiple Vehicles – Having multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Claim Free – Drivers who don’t have accidents can earn big discounts compared to frequent claim filers.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. The good student discount can last until age 25.
  • Memberships – Affiliation with certain professional organizations may earn a discount when buying car insurance for GTI insurance.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • Drive Less and Save – Fewer annual miles on your Volkswagen can qualify you for discounted rates on garaged vehicles.
  • Passive Restraints – Vehicles equipped with air bags can get savings of up to 25% or more.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce specific coverage prices like comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, car insurance companies aren’t that generous. Any amount of discount will reduce the amount you have to pay.

To see a list of companies with the best car insurance discounts, click this link.

Tailor your coverage to you

When it comes to choosing adequate coverage, there is no “perfect” insurance plan. Each situation is unique.

For instance, these questions may help you determine whether or not you would benefit from professional advice.

  • Do I need medical payments coverage since I have good health insurance?
  • Is there coverage for injuries to my pets?
  • Am I insured when driving a different vehicle?
  • I don’t drive much so do I pay less?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Can I still get insurance after a DUI?
  • Do I have coverage when making deliveries for my home business?
  • Will filing a claim cost me more?
  • Should I get collision insurance on every vehicle?
  • Who is covered when they drive my 1992 Volkswagen GTI?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Specific coverages for a 1992 Volkswagen GTI

Knowing the specifics of your auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen GTI.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverages – This coverage will pay to fix damage to your GTI resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a ditch, hitting a mailbox, hitting a parking meter, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as hospital visits, nursing services, dental work, prosthetic devices and doctor visits. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a broken windshield, damage from getting keyed, hitting a deer and hail damage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability auto insurance – Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

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. Your policy might show limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as attorney fees, medical expenses, medical services, emergency aid and pain and suffering. How much coverage you buy is your choice, but you should buy higher limits if possible.

More comparisons equals lower rates

Lower-priced 1992 Volkswagen GTI insurance is possible both online and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Consumers who switch companies do it for a variety of reasons including lack of trust in their agent, delays in responding to claim requests, denial of a claim or an unsatisfactory settlement offer. Whatever your reason, switching companies is less work than it seems.

As you prepare to switch companies, it’s not a good idea to skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut liability coverage limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Additional insurance information can be found at the links below