1995 Volkswagen GTI Insurance Quotes – 6 Tips to Save

Shoppers have many options when shopping for the lowest priced Volkswagen GTI insurance. They can either waste time contacting agents trying to get quotes or utilize the internet to get rate quotes. There are both good and bad ways to shop for car insurance and we’ll show you the quickest way to compare rates for a Volkswagen and obtain the best price possible either online or from local insurance agents.

Finding affordable coverage is not that difficult. If you currently have car insurance, you will most likely be able to save some money using this information. Vehicle owners only need an understanding of the tricks to shop their coverage around over the internet.

Pay less for 1995 Volkswagen GTI insurance

Companies offering auto insurance don’t always list every discount in an easy-to-find place, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Low Mileage – Fewer annual miles on your Volkswagen could be rewarded with a substantially lower rate.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount for GTI coverage with certain companies.
  • Homeowners Savings – Being a homeowner may trigger a auto insurance policy discount because of the fact that having a home shows financial diligence.
  • Payment Method – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you could get a discount of 10% to 20% off each policy.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The discount lasts well after school through age 25.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck.

A partial list of companies who might offer these discounts may include but are not limited to:

Before buying, ask each company how you can save money. Savings might not be offered in your area.

How to Get Auto Insurance Comparison Quotes

There are several ways to shop for Volkswagen GTI auto insurance, and some are less time-consuming than others. You could waste a few hours driving to insurance companies in your area, or you can utilize the web for quick rates.

Many popular insurance companies participate in an industry program where insurance shoppers submit one quote, and at least one company then returns a price quote based on that information. This eliminates the need for quote requests for each company.

To submit your quote information now, click here to start a free quote.

The one downside to comparing rates this way is that you can’t choose the providers to get pricing from. If you would rather choose specific providers to compare rates, we have a listing of low cost auto insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, ensure you are comparing exactly the same coverages for each comparison quote. If you are comparing different limits and deductibles on each one it’s impossible to make a fair comparison for your Volkswagen GTI.

Tailor your coverage to you

When it comes to choosing adequate coverage, there is no “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that can help discover whether your personal situation will benefit from professional help.

  • Does my car insurance cover rental cars?
  • Do I need motorclub coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have coverage for damage caused while driving under the influence?
  • When should I buy a commercial auto policy?
  • When should I not file a claim?
  • Is my teen driver covered when they drive my company car?
  • How many claims can I have before being cancelled?
  • What are the financial responsibility laws in my state?

If you can’t answer these questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Can you really save $438 a year?

Consumers constantly see and hear ads for the lowest price auto insurance from the likes of Allstate and Progressive. They all seem to make the same claim that you can save after switching your coverage to them.

But how can every company make the same claim?

Different companies can use profiling for the type of customer that earns them a profit. For example, a profitable customer might be over the age of 50, a clean driving record, and chooses high deductibles. A customer who fits that profile will qualify for the lowest rates and most likely will save a lot of money.

Consumers who don’t qualify for this ideal profile must pay higher premiums which leads to the driver buying from a lower-cost company. The ads state “customers who switch” not “everybody who quotes” save that kind of money. That is how companies can state the savings. This illustrates why drivers should compare many company’s rates. It’s impossible to know the company that will have the lowest Volkswagen GTI insurance rates.

Learn about car insurance coverages for a 1995 Volkswagen GTI

Learning about specific coverages of a car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like falling objects, theft, a broken windshield and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for expenses for X-ray expenses, hospital visits, EMT expenses, rehabilitation expenses and prosthetic devices. They can be utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for collisions

Collision insurance will pay to fix damage to your GTI resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like scraping a guard rail, hitting a mailbox, crashing into a ditch, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Liability auto insurance

This provides protection from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as legal defense fees, emergency aid, repair costs for stationary objects, repair bills for other people’s vehicles and medical services. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

In Summary

We just presented many ideas to shop for 1995 Volkswagen GTI insurance online. The most important thing to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may even find the lowest rates come from a company that doesn’t do a lot of advertising.

While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. There have been many cases where drivers have reduced physical damage coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage at a price you can afford while still protecting your assets.

Budget-conscious insurance can be sourced on the web and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some car insurance companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

More detailed car insurance information is located at these sites: