1998 Volkswagen GTI Car Insurance Quotes – 7 Tricks for Best Rates

Feel like you’re a prisoner to an overpriced car insurance policy? Trust us when we tell you you’re not the only one.

Popular companies such as Allstate, Liberty Mutual and State Farm constantly bombard you with ads and it is challenging if not impossible to separate fact from fiction and find the best price available.

Fast and Easy Insurance Coverage Quotes

Most companies like State Farm and Allstate provide prices online. The process doesn’t take much effort as you just type in your required coverages as requested by the quote form. After you complete the form, their rating system orders credit information and your driving record and generates a price. Quoting online streamlines rate comparisons, but the process of having to visit each company’s website and repetitively complete many quote forms can be a bit repetitive. But it is imperative to compare as many rates as possible if you are searching for the lowest price.

Rate comparisons made easy

The preferred way to compare rates is to use a quote form to return rates from a lot of companies. This type of form saves time, eliminates form submissions, and makes online shopping much simpler. As soon as the form is sent, it is rated and you can choose any or none of the resulting price quotes. If the quotes result in lower rates, you can click and sign and buy the new coverage. The entire process takes 15 minutes at the most and may save quite a bit of money.

In order to compare rates now, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you input your coverages exactly as they are listed on your policy. This ensures you’re receiving a rate comparison for similar insurance coverage.

Do drivers who switch really save?

Companies like State Farm and Allstate consistently run ads in print and on television. All the ads say the same thing that you can save if you change to them. But how can every company claim to save you money?

All companies have a preferred profile for the driver that is profitable for them. For instance, a preferred risk might be profiled as a mature driver, has no tickets, and drives less than 10,000 miles a year. A customer who meets those qualifications will get the preferred rates and is almost guaranteed to cut their rates substantially.

Consumers who don’t measure up to this ideal profile will have to pay a more expensive rate which usually ends up with the customer not buying. Company advertisements say “customers that switch” not “everyone that quotes” save money. That is how companies can truthfully claim big savings. Because of the profiling, drivers must get a wide range of price quotes. It’s not possible to predict which company will give you the biggest savings on Volkswagen GTI insurance.

More discounts equal less premium

Companies offering auto insurance do not advertise every available discount in a way that’s easy to find, so we break down both the well known and the harder-to-find discounts you could be receiving.

  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • College Student – Youth drivers living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Defensive Driver – Taking a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Save over 55 – If you qualify as a senior citizen, you may receive a small decrease in premiums on GTI coverage.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Driver’s Ed – Require your teen driver to take driver’s ed class in school.
  • Early Signing – Select companies give a discount for switching to them before your current expiration date. This can save 10% or more.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.

Companies that may offer these money-saving discounts include:

Before buying, ask all companies you are considering how you can save money. Discounts may not apply in your area.

It’s not one size fits all

When it comes to choosing proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can help discover whether or not you may require specific advice.

  • Do I need more liability coverage?
  • Is business equipment covered while in my vehicle?
  • Am I insured when driving a different vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • What companies insure drivers after a DUI or DWI?
  • How much can I save by bundling my policies?
  • Do I need PIP coverage since I have good health insurance?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Insurance policy specifics

Understanding the coverages of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most insurance policies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like fire damage, hitting a bird, damage from flooding and theft. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as EMT expenses, doctor visits, nursing services, pain medications and rehabilitation expenses. They can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 1998 Volkswagen GTI.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability coverages

Liability insurance provides protection from injuries or damage you cause to other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims such as legal defense fees, loss of income and court costs. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Auto collision coverage

This 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 coverage protects against things such as damaging your car on a curb, rolling your car and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Knowledge is power

You just learned many ideas to get a better price on 1998 Volkswagen GTI insurance. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers could even find that the most savings is with a small local company. These smaller insurers may cover specific market segments cheaper than their larger competitors like GEICO and State Farm.

When shopping online for auto insurance, do not buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage at an affordable rate while not skimping on critical coverages.

More information can be found at these links: