Lower Your 1997 Volkswagen GTI Insurance Quotes

Want better auto insurance rates for your Volkswagen GTI? Scraping up a payment for overpriced Volkswagen GTI insurance can dwindle your savings account and make it impossible to make ends meet. Shopping your coverage around is free, only takes a few minutes, and is a good way to tighten up your finances. There is such a variety of car insurance companies to buy insurance from, and though it is a good thing to have a choice, it can be more difficult to find the best rates for your vehicles.

It’s a good idea to price shop coverage once or twice a year due to the fact that insurance rates are variable and change quite frequently. Just because you had the best price for GTI coverage a few years ago there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the easiest way to find better coverage at a better price.

Compare the Market for Auto Insurance

Lowering your 1997 Volkswagen GTI auto insurance rates can be surprisingly simple. Just spend a little time comparing price quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

  1. The single most time-saving way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This method eliminates the need for repetitive form submissions for every auto insurance company. In just a few minutes this one form compares rates from several companies.
  2. A harder way to shop for auto insurance online requires visiting the website for each individual company and complete a new quote form. For example, we’ll pretend you want rates from Allstate, State Farm and Progressive. To get rate quotes you would need to go to every website and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but make absolute certain that you use identical coverages on every quote. If your comparisons have different deductibles it will be next to impossible to determine the lowest rate for your Volkswagen GTI.

Complexity of Volkswagen GTI insurance rates

Consumers need to have an understanding of the factors that play a part in calculating the rates you pay for car insurance. Knowing what influences your rates enables informed choices that could result in big savings.

Shown below are a few of the “ingredients” car insurance companies consider when setting premiums.

  • Traffic violations increase rates – A bad driving record impacts your car insurance rates tremendously. Drivers with clean records have lower premiums compared to drivers with tickets. Just one speeding ticket may increase your cost by twenty percent. If you have flagrant violations like hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
  • Optional equipment can affect rates – Driving a car with anti-theft technology or alarm system can save you a little every year. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • Older drivers save more – Older drivers tend to be more responsible, statistically cause fewer accidents and receive fewer citations. Youthful drivers have a tendency to get distracted easily behind the wheel therefore car insurance rates are much higher.
  • Your car insurance rates can be influenced by your job – Did you know your job can affect your rates? Jobs such as doctors, business owners and accountants are shown to have higher rates than average attributed to job stress and long work days. On the flip side, jobs such as pilots, athletes and performers pay the least for GTI coverage.
  • Men pay higher rates – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. Women and men cause accidents in similar percentages, but men tend to have more serious accidents. Men also have more aggressive citations like DUI and reckless driving.
  • Liability coverage protects you – Your policy’s liability coverage is the protection in the event that a court rules you are at fault for damages caused by your negligence. It provides for a legal defense which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • Big city or small town – Living in a small town can be a good thing when it comes to car insurance. Urban drivers have to deal with much more traffic and longer commute times. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims.

Don’t miss out on these money-saving discounts

Insuring your fleet can be pricey, but there could be available discounts that can drop the cost substantially. Most are applied at the time of purchase, but some must be specially asked for prior to getting the savings. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Save with a New Car – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for GTI coverage with select insurance companies.
  • Driver Safety – Successfully completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy could earn a price break for each car.
  • Paperwork-free – Some insurance companies will discount your bill up to fifty bucks simply for signing on their website.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of approximately 10% to 15%.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.

It’s important to understand that most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, companies don’t profit that way. Any amount of discount will reduce your premiums.

Companies that possibly offer these money-saving discounts include:

Check with every prospective company how you can save money. Savings might not apply in your area.

Do I need special coverages?

When buying proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help highlight if you will benefit from professional help.

  • Should I put collision coverage on all my vehicles?
  • What is the rate difference between pleasure use and commuting?
  • Who is covered by my policy?
  • Do I pay less for low miles?
  • How do I insure my teen driver?
  • If my 1997 Volkswagen GTI is totaled, can I afford another vehicle?
  • Can I make deliveries for my home business?
  • Is my state a no-fault state?
  • What can I do if my company denied a claim?

If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It is quick, free and you can get the answers you need.

Specifics of your auto insurance policy

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most auto insurance policies.

Collision protection

Collision coverage will pay to fix damage to your GTI caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like rolling your car, backing into a parked car, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Insurance for medical payments

Med pay and PIP coverage reimburse you for expenses such as doctor visits, pain medications and chiropractic care. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability insurance

This coverage can cover damage or injury you incur to people or other property that is your fault. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like loss of income, repair costs for stationary objects, medical expenses and attorney fees. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Volkswagen GTI.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, fire damage and hitting a deer. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Shop. Compare. Save.

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. There are many occasions where consumers will sacrifice liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

We’ve covered many ways to compare 1997 Volkswagen GTI insurance prices online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the best prices are with a small local company. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm or Progressive.

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