2008 Volkswagen GTI Insurance Quotes – 9 Ideas for Best Rates

Searching for better car insurance rates for your Volkswagen GTI? Buying the cheapest car insurance over the internet may be challenging for people new to buying their car insurance online. With dozens of online companies available, how are people expected to have time to compare every possible option in order to find the best available price?

Buying car insurance is easy if you know what you’re doing. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these techniques. But consumers need to have an understanding of how insurance companies price insurance differently and use this information to your advantage.

How to find low cost car insurance

There are a lot of ways to shop for car insurance, and some are more efficient than others. You could spend your day driving to agents in your area, or you can stay home and use the web to maximize your effort.

Most of the best insurance companies enroll in a system that enables customers to complete one form, and every company then returns a price quote based on that information. This system prevents you from having to do quotation requests to each individual car insurance company.

To compare pricing click here to open in new window.

One minor caviat to using this type of form is you can’t choose which providers to get quotes from. So if you want to choose specific insurance companies to compare prices, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but make sure you are using the exact same coverage information with every price quote. If each company quotes different data it will be nearly impossible to make an equal comparison. Just slight variations in limits may result in large price differences. And when comparison shopping, making a lot of price comparisons will increase your chances of finding the best rates.

Get cheaper rates with these nine discounts

The cost of insuring your cars can be expensive, but you may be missing some discounts that many consumers don’t even know exist. Certain reductions will be credited when you complete an application, but less common discounts must be specially asked for in order for you to get them.

• Seat Belts Save – Drivers who require all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
• Accident-Free Discounts – Drivers with accident-free driving histories can earn big discounts as opposed to frequent claim filers.
• Payment Discounts – If paying your policy premium upfront rather than paying monthly you can avoid the installment charge.
• Multi-Vehicle Discounts – Purchasing coverage when you have multiple cars or trucks on one policy can get a discount for every vehicle.
• Discounts for New Vehicles – Buying a new car instead of a used car can cost up to 25% less due to better safety requirements for newer vehicles.
• Fewer Miles Equal More Savings – Fewer annual miles on your Volkswagen can qualify you for cheaper rates.
• Discount for Swiching Early – A few companies give discounts for switching companies before your current expiration date. You can save around 10% with this discount.
• Anti-lock Brakes – Cars and trucks that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
• Passive Restraints and Air Bags – Factory options such as air bags can receive discounts of 20 to 30 percent.

One last thing about discounts, some of the credits will not apply to the overall cost of the policy. Most cut specific coverage prices like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way.

A partial list of companies that may offer these benefits include:

• American Family
• Farm Bureau
• State Farm
• Travelers
• The Hartford
• Geico
• Progressive

When comparing rates, check with all the companies which discounts can lower your rates. Some credits may not apply to policyholders everywhere. To view insurers who offer discounts, click here.

What is the best auto insurance coverage?

When it comes to choosing adequate coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine whether you would benefit from an agent’s advice.

• Does my insurance cover a custom paint job?
• What is roadside assistance coverage?
• Why do I need rental car insurance?
• Do I have coverage when making deliveries for my home business?
• Will filing a claim cost me more?
• Can my babysitter drive my car?
• What if I don’t agree with a claim settlement offer?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.

Auto insurance policy coverages for a Volkswagen GTI

Understanding the coverages of a auto insurance policy can help you determine the right coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, a tree branch falling on your vehicle, falling objects, hitting a bird and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision insurance

Collision coverage will pay to fix damage to your GTI resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, colliding with a tree, backing into a parked car, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like pain medications, doctor visits and surgery. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Auto liability

This coverage protects you from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things such as bail bonds, repair costs for stationary objects and funeral expenses. How much coverage you buy is up to you, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Volkswagen GTI.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Smart shoppers get results

We just covered some good ideas how you can get a better price on 2008 Volkswagen GTI insurance. It’s most important to understand that the more companies you get premium rates for, the better your chances of lowering your premium rates. You may be surprised to find that the biggest savings come from a small local company.

Consumers leave their current company for many reasons like poor customer service, unfair underwriting practices, delays in paying claims or extreme rates for teen drivers. It doesn’t matter why you want to switch choosing a new insurance company is actually quite simple.

Low-cost 2008 Volkswagen GTI insurance is possible both online in addition to local insurance agencies, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. Some auto insurance companies do not offer online rate quotes and these smaller providers only sell through independent agents.

To learn more, feel free to visit these articles:

• Medical Payments Coverage (Liberty Mutual)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Child Safety FAQ (iihs.org)
• Safety Belts FAQ (iihs.org)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)