1992 Volkswagen GTI Insurance Rates – 10 Tricks for Cheaper Quotes

Consumers have a choice when looking for the best price on Volkswagen GTI insurance. They can either spend hours driving around getting price quotes or use the internet to compare rates. There is a better way to find auto insurance online so you’re going to learn the absolute fastest way to compare rates on a Volkswagen and find the lowest price from local insurance agents and online providers.

Buying car insurance is not rocket science. If you are paying for car insurance now, you will be able to lower your premiums substantially using this strategy. Drivers only need to know how to get comparison quotes on the web.

How to Compare Auto Insurance Costs

Finding cheaper 1992 Volkswagen GTI auto insurance prices is surprisingly easy. You just need to take a couple of minutes to get quotes from different insurance companies. This can be accomplished in several different ways.

1. The recommended way to find low rates would be an industry-wide quote request form click here to open form in new window. This type of form saves time by eliminating repetitive form submissions for every auto insurance company. One form submission will return price quotes instantly. Just one form and you’re done.
2. Another way to compare rate quotes is to manually visit each company website and fill out their own quote form. For example, let’s assume you want to compare Liberty Mutual, GEICO and Allstate. You would have to take the time to go to each site and enter your policy data, which is why the first method is quicker.

   For a list of links to companies insuring cars in your area, click here.

3. The least efficient method to compare rates is to spend your day driving to insurance agents’ offices. Shopping for auto insurance online can eliminate the need for a local agent unless you require the professional guidance of a licensed agent. However, consumers can price shop online but buy from a local insurance agent and we’ll talk about that later.

Which method you use is up to you, but ensure you’re using the exact same coverages with every price quote. If you are comparing mixed coverages you will not be able to determine the lowest rate for your Volkswagen GTI.

Situations that might require an agent

When it comes to choosing the best insurance coverage coverage, there isn’t really a “perfect” insurance plan. Each situation is unique.

For instance, these questions may help you determine if your insurance needs might need professional guidance.

• What are the financial responsibility laws in my state?
• What if I don’t agree with a claim settlement offer?
• Can my teen driver be rated on a liability-only vehicle?
• Does medical payments coverage apply to all occupants?
• Why do I need rental car insurance?
• How can I get high-risk coverage after a DUI?
• Are my tools covered if they get stolen from my vehicle?
• How high should deductibles be on a 1992 Volkswagen GTI?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and may give you better protection.

Insurance coverage considerations

Having a good grasp of insurance can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Liability insurance

Liability insurance can cover damage that occurs to a person or their property. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things like structural damage, bail bonds, court costs and funeral expenses. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

UM/UIM Coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Volkswagen GTI.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as nursing services, dental work and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, fire damage, theft and hitting a bird. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage 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 and then insurance will cover the remainder.

Collision can pay for things like driving through your garage door, colliding with another moving vehicle, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.