1990 Volkswagen GTI Insurance Cost – 7 Policy Discounts

Are you intimidated by the sheer number of car insurance companies? Lot’s of other consumers are too. You have so many options available that it can turn into a lot of work to find the lowest price.

How to save on Volkswagen GTI insurance

Insurance can be prohibitively expensive, but companies offer discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but less common discounts must be manually applied prior to getting the savings.

  • Claim Free – Claim-free drivers pay much less as compared to frequent claim filers.
  • Driver Safety – Taking part in a defensive driving course can save you 5% or more if your company offers it.
  • Resident Student – Children living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for GTI coverage than less cautious drivers.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% for GTI coverage with select insurance companies.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. A few only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way. But all discounts will reduce your overall premium however.

For a list of providers offering insurance discounts, click here.

Car Insurance Prices Online

The are a couple different ways of comparing price quotes from car insurance companies in your area. The best method to find the cheapest 1990 Volkswagen GTI insurance rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in several different ways.

  1. The easiest and least time consuming way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This method prevents you from having to do repetitive form submissions for each company. One quote request will return price quotes from many national carriers. Recommended for those who want to invest the least amount of time.
  2. A more time consuming way to shop for car insurance online requires you to visit each individual company website to complete a price quote. For instance, we’ll pretend you want rates from Allstate, Liberty Mutual and Progressive. To get rate quotes you would need to visit each site to input your insurance information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but compare apples-to-apples coverages with each company. If you enter higher or lower deductibles it will be next to impossible to determine the lowest rate for your Volkswagen GTI. Just a small difference in coverage limits may result in a large different in cost. And when comparing car insurance rates, know that getting more free quotes will improve the odds of getting the best rates.

Tailor your coverage to you

When buying proper insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.

  • Why does it cost so much to insure a teen driver?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does insurance cover damages from a DUI accident?
  • Should I buy more coverage than the required minimum liability coverage?
  • Where can I find high-risk insurance?
  • Will filing a claim cost me more?
  • Who is covered when they drive my 1990 Volkswagen GTI?
  • What is the rate difference between pleasure use and commuting?
  • Do I pay less for low miles?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form.

Car insurance coverage breakdown

Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for bills for pain medications, dental work, rehabilitation expenses, nursing services and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Volkswagen GTI.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability insurance – Liability coverage provides protection from damage that occurs to a person or their property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like funeral expenses, loss of income, medical services, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

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

Comprehensive can pay for things like falling objects, theft and a tree branch falling on your vehicle. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision – Collision coverage will pay to fix damage to your GTI from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, crashing into a ditch, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Make an honest buck

Discount 1990 Volkswagen GTI insurance can be sourced both online as well as from independent agents, and you should be comparing both to have the best selection. Some companies don’t offer online quoting and most of the time these regional insurance providers sell through independent agents.

Consumers leave their current company for a number of reasons such as delays in paying claims, questionable increases in premium, being labeled a high risk driver and policy cancellation. Regardless of your reason, switching companies can be less work than you think.

While you’re price shopping online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many cases, an insured dropped full coverage only to discover later that the few dollars in savings costed them thousands. Your focus should be to find the BEST coverage at a price you can afford while still protecting your assets.

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