Cheap 1998 Volkswagen GTI Insurance Quotes

Trying to find low-cost insurance for your Volkswagen GTI can normally be difficult, but you can learn the following methods and make it easy.

There are more efficient ways to find insurance online and you need to know the absolute fastest way to compare rates on a Volkswagen and find the best price possible from both online companies and local agents.

Compare auto insurance rates

Getting cheaper 1998 Volkswagen GTI auto insurance pricing is a great way to save money. The only requirement is to take a couple of minutes to get quotes to discover which company has cheaper insurance quotes. Price comparisons can be done in a couple of different ways.

1. The easiest and least time consuming way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This type of form saves time by eliminating separate quotation requests for each company. One quote request compares rates instantly. It’s definitely the quickest method.
2. A slightly less efficient method to analyze rates is to take the time to go to the website of each company and complete a new quote form. For examples sake, let’s assume you want to get rates from Auto-Owners, Allstate and State Farm. You would be required to spend time on each company’s site and repeatedly type in your coverage information, and that explains why we recommend the first method. For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but do your best to enter exactly the same coverages and limits on every price quote you get. If you compare different limits and deductibles on each one it will be impossible to determine which company has the best rates.

Do you qualify for discount car insurance?

Car insurance is neither fun to buy or cheap, but you might be missing out on some discounts that you may not know about. Some trigger automatically when you get a quote, but a few must be specifically requested prior to receiving the credit.

• No Accidents – Insureds with no claims or accidents have much lower rates as compared to bad drivers.
• Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.
• Discounts for Good Drivers – Safe drivers could pay up to 40% less on GTI coverage than drivers with accidents.
• Clubs and Organizations – Joining a civic or occupational organization is a good way to get lower rates on your next car insurance statement.
• Multi-line Discount – Larger insurance carriers have a break if you buy some life insurance too.
• Drive Less and Save – Driving less can earn cheaper premium rates.
• Paperless Signup – Some car insurance companies will give a small break for buying your policy on your computer.

You can save money using discounts, but some credits don’t apply to the entire policy premium. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you could get a free car insurance policy, insurance companies wouldn’t stay in business.

To view insurance companies who offer free car insurance quotes, click this link.

What insurance coverages do I need?

When choosing the right insurance coverage, there really is no best way to insure your cars. Each situation is unique.

Here are some questions about coverages that can help discover if your insurance needs might need professional guidance.

• Is my teen driver covered when they drive my company car?
• Do I need replacement cost coverage on my 1998 Volkswagen GTI?
• Can I get a multi-policy discount?
• Do I have any recourse if my insurance company denies a claim?
• Can I afford to pay high deductible claims out of pocket?
• Do I need medical payments coverage since I have good health insurance?
• Can I drive in Mexico and have coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Insurance coverages and their meanings

Knowing the specifics of insurance can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like pain medications, prosthetic devices and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability – Liability insurance provides protection from damage that occurs to other’s property or people by causing an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like loss of income, structural damage, medical expenses, attorney fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Volkswagen GTI.

Since 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 is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision) – This will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as falling objects, damage from a tornado or hurricane and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision – This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as sideswiping another vehicle, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.