Save on 2001 Volkswagen GTI Car Insurance Rates

Drivers have options when trying to find the lowest priced Volkswagen GTI insurance. You can either waste hours contacting agents getting price quotes or leverage the internet to compare rates. There are more efficient ways to shop for auto insurance and you need to know the quickest way to compare rates on a Volkswagen and get the cheapest rates from both online companies and local agents.

Choosing the best insurance company for you is not that difficult. If you currently have a car insurance policy, you will be able to lower your premiums substantially using this strategy. Drivers just need to know how to get comparison quotes on the web.

Compare quotes for auto insurance

Cutting your auto insurance rates is surprisingly easy. Drivers just need to take a couple of minutes to compare free insurance quotes online from several insurance companies. Comparing prices online can be done in just a few minutes using one of these methods.

1. Experts agree that the best way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This method eliminates the need for separate quotes for every auto insurance company. Completing one form will return quotes instantly. It’s definitely the quickest method.
2. A slightly less efficient method to find more affordable insurance requires a trip to each individual company website to complete a price quote. For instance, we’ll assume you want comparison quotes from USAA, Farmers and State Farm. You would have to go to every website and repeatedly type in your coverage information, which can get old fast.

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

The method you choose is up to you, but double check that you are using the exact same coverages and limits for each price quote. If you are comparing different values for each quote you will not be able to find the best deal for your Volkswagen GTI.

How much insurance do I need?

When it comes to choosing adequate coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether your personal situation would benefit from professional advice.

• Should I have a commercial auto policy?
• Does my policy pay for OEM or aftermarket parts?
• Does coverage extend to Mexico or Canada?
• When should I not file a claim?
• Will I be non-renewed for getting a DUI or other conviction?
• Does my medical payments coverage pay my health insurance deductible?
• Should I put collision coverage on all my vehicles?
• When does my teenage driver need to be added to my policy?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Coverages available on your policy

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills for chiropractic care, hospital visits, rehabilitation expenses, surgery and pain medications. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision protection

This coverage covers damage to your GTI resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like scraping a guard rail, driving through your garage door, colliding with a tree, hitting a parking meter and rolling your car. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, rock chips in glass, hitting a deer, hail damage and fire damage. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage

This coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Volkswagen GTI.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability coverages

This will cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like attorney fees, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.