2003 Volkswagen GTI Car Insurance Rates

Looking for the cheapest car insurance rates for your Volkswagen GTI? Sick and tired of trying to scrape together enough money to buy car insurance? You are in the same boat as millions of other consumers. Consumers have many insurance companies to purchase coverage from, and though it is a good thing to be able to choose, it makes it harder to find a good deal.

Finding the best rates is quite easy. If you currently have car insurance, you will most likely be able to lower your premiums substantially using this strategy. Vehicle owners just need to know the tricks to get comparison quotes on the web.

Vehicle Insurance Comparison

Most major insurance companies allow you to get coverage prices on the web. Getting online rates is quite easy as you simply enter your coverage information into a form. After you submit the form their system will obtain reports for credit and driving violations and generates a price. Online price quotes streamlines rate comparisons, but the time required to go to many different websites and type in the same information gets old quite quickly. But it’s absolutely necessary to perform this step if you are searching for the lowest price.

An easier way to locate the lowest prices is to use a quote form that gets prices from several companies at one time. The form is fast, requires less work, and makes comparison shopping much more efficient. Once the form is submitted, your coverage is rated and you can choose any or none of the quotes that you receive. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. The whole process takes 15 minutes at the most and may save quite a bit of money.

To save time and find out what other companies charge, click here to open in new window and fill out the form. If you have a policy now, it’s recommended that you enter the coverages identical to your current policy. Doing this assures you’re receiving an apples-to-apples comparison for exact coverage.

You may need specialized coverage

When it comes to buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different and your policy should reflect that. Here are some questions about coverages that might help in determining whether you will benefit from professional help.

  • Is my camper covered by my car insurance policy?
  • Does coverage extend to my business vehicle?
  • What is PIP insurance?
  • Is my nanny covered when driving my vehicle?
  • Am I covered if I wreck a rental car?
  • Am I covered when driving a rental car?
  • Are all vehicle passengers covered by medical payments coverage?
  • Why am I required to get a high-risk car insurance policy?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Learn about insurance coverages for a Volkswagen GTI

Knowing the specifics of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages available from insurance companies.

Liability

Liability coverage can cover damage that occurs to people or other property in an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like legal defense fees, emergency aid, repair bills for other people’s vehicles, structural damage and attorney fees. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Uninsured and underinsured coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen GTI.

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

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills for surgery, hospital visits and chiropractic care. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage pays for damage to your GTI resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, hitting a mailbox and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, fire damage and vandalism. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.