Save on 1996 Volkswagen GTI Insurance Rates

Want lower auto insurance rates for your Volkswagen GTI? Feel like you’re a prisoner to overpriced auto insurance? Believe me, there are many people just like you. Because there are so many insurance companies to choose from, it is hard for the average consumer to pick the right company.

It’s a good idea to price shop coverage before your policy renews due to the fact that insurance rates are adjusted regularly by insurance companies. Just because you found the lowest price on GTI insurance last year a different company probably has better rates today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the best way to eliminate unnecessary coverages and save money.

Verify you’re getting all your discounts

Car insurance companies don’t always publicize all available discounts in an easy-to-find place, so the following is a list of some of the more common and the more hidden discounts you could be receiving. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Early Switch Discount – Some insurance companies reward drivers for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy could earn a price break for each car.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off on GTI insurance depending on your company.
  • Accident Forgiveness – Some insurance companies will forgive one accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • Low Mileage Discounts – Low mileage vehicles can earn better rates on cars that stay parked.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
  • Auto/Home Discount – When you have multiple policies with one insurance company you could get a discount of at least 10% off all policies.
  • Resident Student – Any of your kids who are attending college without a vehicle on campus may qualify for this discount.
  • Student Driver Training – Require your teen driver to enroll in driver’s education if it’s offered in school.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way.

Car insurance companies that possibly offer these discounts include:

It’s a good idea to ask all companies you are considering what discounts are available to you. Discounts may not be available everywhere.

When should I talk to an agent?

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your situation will benefit from professional help.

  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need more liability coverage?
  • What is PIP insurance?
  • Are split liability limits better than a combined single limit?
  • Do I need motorclub coverage?
  • Am I covered when using my vehicle for business?
  • Can my babysitter drive my car?
  • Is other people’s property covered if stolen from my vehicle?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Auto insurance 101

Understanding the coverages of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most insurance policies.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from flooding, falling objects, vandalism and a broken windshield. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to other people or property that is your fault. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as funeral expenses, repair costs for stationary objects, attorney fees and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Collision coverage protection

This 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 then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as rolling your car, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

UM/UIM Coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 1996 Volkswagen GTI.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like prosthetic devices, ambulance fees, nursing services, X-ray expenses and pain medications. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Feed the piggy bank

When trying to cut insurance costs, do not reduce needed coverages to save money. There have been many cases where someone dropped full coverage to discover at claim time that they should have had better coverage. Your focus should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

The cheapest 1996 Volkswagen GTI insurance is definitely available both online in addition to many insurance agents, so you should compare both so you have a total pricing picture. Some insurance companies do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

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