2000 Volkswagen GTI Car Insurance Rates – 7 Tricks for Cheapest Quotes

Looking for better car insurance rates for your Volkswagen GTI? Having to pay for overpriced Volkswagen GTI insurance can overdraw your savings account and force you to prioritize other expenses. Comparing price quotes is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. Drivers have so many insurance companies to buy insurance from, and even though it’s nice to be able to choose, it can be more difficult to compare rates.

Cut your premium with these seven discounts

Car insurance can cost a lot, but you may find discounts that you may not know about. Most are applied when you quote, but a few must be manually applied before being credited. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Discount for Life Insurance – Larger companies have better rates if you take out a life insurance policy as well.
  • Seat Belt Usage – Requiring all passengers to use a seat belt could save 15% off your medical payments premium.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you may earn at least 10% off all policies.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for GTI coverage than drivers with accidents.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Some only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will reduce your overall premium however.

Companies who might offer these money-saving discounts include:

Double check with all companies you are considering which discounts you may be entitled to. Savings might not be offered in your area.

What is the best insurance coverage?

When choosing proper insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your insurance needs would benefit from an agent’s advice.

  • Am I covered if I break a side mirror?
  • If my 2000 Volkswagen GTI is totaled, can I afford another vehicle?
  • If my pet gets injured in an accident are they covered?
  • What are the best liability limits?
  • Why am I required to buy high-risk coverage?
  • What exactly is covered by my policy?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Car insurance coverage options for a 2000 Volkswagen GTI

Understanding the coverages of your car insurance policy can help you determine the right coverages for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. These are the normal coverages offered by car insurance companies.

Liability coverage

This coverage can cover damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as medical expenses, funeral expenses, repair bills for other people’s vehicles, structural damage and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen GTI.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like prosthetic devices, rehabilitation expenses, X-ray expenses and nursing services. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

This coverage covers damage to your GTI resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a parking meter, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, damage from getting keyed, hitting a bird, damage from a tornado or hurricane and theft. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Money doesn’t grow on trees

Cheaper 2000 Volkswagen GTI insurance can be sourced both online in addition to many insurance agents, so compare prices from both to have the best selection. Some insurance providers do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

When buying insurance coverage, it’s a bad idea to reduce coverage to reduce premium. In many instances, someone sacrificed liability coverage limits only to regret at claim time that it was a big error on their part. The proper strategy is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

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