1999 Volkswagen GTI Car Insurance Quotes

Searching for better insurance coverage rates for your Volkswagen GTI? Having to pay for overpriced insurance coverage can drain your bank account and force you to prioritize other expenses. Doing a price comparison is free and is an excellent way to make sure you’re not throwing money away. With so many online and local companies to choose from, it’s difficult to choose the lowest price provider.

Choosing the best insurance company for you is not that difficult. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Drivers just need to learn the best way to compare rates over the internet.

Insurance Coverage Comparisons

There are several ways to shop for Volkswagen GTI insurance coverage, but some are less time-consuming than others. You could spend your day talking about coverages with local insurance agents in your area, or you can utilize the internet to maximize your effort.

Many companies belong to an insurance system that enables customers to only type in their quote data once, and each participating company returns a competitive quote based on that data. This system prevents you from having to do quote requests to each individual insurance coverage company.

To get comparison pricing now click here to open in new window.

The single downside to getting quotes like this is you cannot specify the providers you want pricing from. If you prefer to choose individual companies to request quotes from, we have assembled a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make darn sure you compare the exact same quote information for every company. If the quotes have mixed coverages it’s impossible to decipher which rate is best.

Lots of discounts mean lots of savings

Companies offering auto insurance don’t necessarily list every discount in a way that’s easy to find, so we break down some of the more common and also the lesser-known ways to save on auto insurance. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Accident Waiver – A handful of insurance companies permit an accident before raising your premiums if you are claim-free for a set time period.
  • No Claims – Claim-free drivers pay much less when compared with frequent claim filers.
  • 55 and Retired – Mature drivers may be able to get better auto insurance rates for GTI coverage.
  • Early Switch Discount – Select companies give a discount for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Life Insurance Discount – Some companies give better rates if you take out life insurance from them.
  • Club Memberships – Belonging to a civic or occupational organization may earn a discount on your policy for GTI coverage.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you could save 5% or more.

It’s important to note that most credits do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way.

For a list of insurance companies offering auto insurance discounts, click here to view.

Situations that might require an agent

When it comes to buying proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. For example, these questions may help you determine whether your personal situation could use an agent’s help.

  • Do I need replacement cost coverage on my 1999 Volkswagen GTI?
  • I have health insurance so do I need medical payments coverage?
  • Is my 1999 Volkswagen GTI covered for flood damage?
  • How can I find cheaper teen driver insurance?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I benefit by insuring my home with the same company?
  • Should I file a claim if it’s only slightly more than my deductible?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Factors that can influence insurance rates for a Volkswagen GTI

Smart consumers have a good feel for the different types of things that play a part in calculating the rates you pay for insurance coverage. Understanding what influences your rates helps enable you to make changes that will entitle you to big savings.

Shown below are a partial list of the pieces that factor into prices.

  • Don’t skimp on liability – Your policy’s liability coverage is the coverage that protects you when a jury decides you are liable for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
  • Where you reside plays a part – Choosing to live in a rural area can be a good thing when talking about insurance coverage. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers in populated areas have much more traffic to deal with and a longer drive to work. More time commuting means more change of being in an accident.
  • The more you drive the more you pay – The more miles you rack up on your Volkswagen in a year’s time the higher your rate. Most companies price each vehicle’s coverage based upon how you use the vehicle. Cars and trucks left parked in the garage can get a lower rate than vehicles that are driven to work every day. Make sure your insurance coverage policy properly reflects how each vehicle is driven, because it can save money. If your policy improperly rates your GTI may be costing you.
  • Do men or women drive better? – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. Both sexes cause accidents at a similar rate, but the men cause more damage. Men also statistically have more aggressive citations like DUI and reckless driving. Young males tend to get in the most accidents and therefore have the most expensive insurance coverage rates.
  • Your age impacts your rates – Teen drivers are known to be less responsible behind the wheel so insurance coverage rates are higher. Parents adding a young driver onto a policy can be quite pricey. Older drivers tend to be more responsible, file fewer claims and receive fewer citations.
  • Your insurance coverage rates can be influenced by your job – Careers like lawyers, business owners and stock brokers tend to have the highest rates due to high stress levels and long work hours. On the other hand, professions such as farmers, students and retirees receive lower rates for GTI coverage.
  • Increase deductibles and save – Your deductibles represent how much money you are required to spend out-of-pocket before your insurance coverage pays a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered are colliding with a building, vandalism, and windstorm damage. The more expense the insured has to pay upfront, the less your company will charge you for insurance for GTI coverage.
  • Too many insurance coverage claims drive up costs – If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies give discounts to people who are claim-free. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.

Learn about auto insurance coverages for a Volkswagen GTI

Knowing the specifics of auto insurance helps when choosing the right coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverages found on most auto insurance policies.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as falling objects, hail damage, theft and hitting a bird. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Volkswagen GTI.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for expenses such as prosthetic devices, pain medications and funeral costs. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability – Liability insurance will cover damage that occurs to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for things like medical services, pain and suffering, medical expenses and bail bonds. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

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

Collision coverage pays for things such as backing into a parked car, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Feed the piggy bank

When you buy insurance online, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage for the lowest price, not the least amount of coverage.

Cost effective 1999 Volkswagen GTI insurance is possible online and with local insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

In this article, we covered a lot of tips how to lower your insurance rates. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with the least-expected company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm, GEICO and Nationwide.

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