2000 Volkswagen GTI Insurance Rates
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UPDATED: Nov 16, 2021
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Average insurance rates for a 2000 Volkswagen GTI are $920 a year including full coverage. Comprehensive costs around $132, collision costs $188, and liability coverage costs $442. Buying a liability-only policy costs as little as $496 a year, with high-risk insurance costing around $1,984. Teenage drivers receive the highest rates at $3,778 a year or more.
Annual premium for full coverage: $920
Rate estimates for 2000 Volkswagen GTI Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2000 Volkswagen GTI models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For the average driver, prices range go from as low as $496 for just liability coverage to a much higher rate of $1,984 for a driver that may need high-risk insurance.
These differences highlight why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than using average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2000 Volkswagen GTI Insurance
Want the cheapest car insurance rates for your Volkswagen GTI? Sick and tired of being strong-armed each month for car insurance? You are in the same boat as many other drivers.
Multiple insurers compete to insure your vehicles, and it can be difficult to compare rates to get the cheapest price
How to Compare Insurance Coverage
To find the best insurance coverage prices, there are several ways to get quotes and find the best price. One of the best ways to find the cheapest 2000 Volkswagen GTI insurance rates is to use the internet to compare rates. This can be accomplished in just a few minutes using one of these methods.
- The best way to get quotes for comparison is a comparison rater form like this one (opens in new window). This method prevents you from having to do boring form submissions for each company. One form submission will get you price quotes from several companies.
- A slightly less efficient method to obtain and compare quotes online is going to the website for each individual company to request a price quote. For examples sake, let’s assume you want to compare Farmers, Progressive and Travelers. To get each rate you have to take the time to go to each site and enter your information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.
- The most time-consuming method to get comparison rates is to spend your day driving to local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you want the professional guidance of a licensed agent. However, consumers can find lower rates online and still use a local agent and we’ll cover that in a bit.
However you get your quotes, double check that you are using the exact same deductibles and coverage limits for each comparison quote. If you are comparing different liability limits it will be next to impossible to determine the lowest rate for your Volkswagen GTI. Quoting even small variations in insurance coverages can result in a big premium difference. Just keep in mind that more quotes helps locate the best offered rates.
Lots of discounts mean lots of savings
Properly insuring your vehicles can get expensive, but there are discounts available that many people don’t even know exist. Some discounts apply automatically at the time of purchase, but a few need to be manually applied prior to getting the savings.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
- E-sign – Certain companies will give a small break simply for signing on their website.
- Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can get savings of up to 25% or more.
- Driver Safety – Successfully completing a driver safety course could cut 5% off your bill if you qualify.
- Senior Citizens – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums on GTI insurance.
Keep in mind that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way. But any discount will cut your premiums.
Insurance companies that may have these money-saving discounts may include but are not limited to:
- Auto-Owners Insurance
- American Family
- State Farm
Check with every prospective company how you can save money. Some discounts may not be available everywhere.
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Situations that might require an agent
When it comes to buying proper insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. For instance, these questions can aid in determining if you might need professional guidance.
- Is my vehicle covered by my employer’s policy when using it for work?
- When does my teenage driver need to be added to my policy?
- How high should deductibles be on a 2000 Volkswagen GTI?
- I have good health insurance, so how much medical payments coverage do I need?
- What discounts do I qualify for?
- Do all my vehicles need collision coverage?
- Should I have a commercial auto policy?
- Can I rate high risk drivers on liability-only vehicles?
- If I drive on a suspended license am I covered?
If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.
Can switching companies really save?
Progressive, Allstate and GEICO continually stream ads on TV and radio. All the companies say the same thing that you’ll save big after switching to them. How do they all claim to save you money? This is how they do it.
Insurance companies have a certain “appetite” for the type of customer they prefer to insure. For instance, a desirable insured might be profiled as a mature driver, has no tickets, and drives less than 7,500 miles a year. Any new insured who fits that profile gets the lowest rates and most likely will save when switching.
Consumers who don’t meet the requirements will have to pay higher premiums which leads to business not being written. Company advertisements say “customers who switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can confidently advertise the way they do.
Because of the profiling, drivers should quote coverage with many companies. You cannot predict the company that will have the lowest Volkswagen GTI insurance rates.
Car insurance coverage options for a Volkswagen GTI
Having a good grasp of car insurance aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types found on the average car insurance policy.
Collision coverage will pay to fix damage to your GTI resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision can pay for claims such as crashing into a ditch, sustaining damage from a pot hole, driving through your garage door, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.
Uninsured and underinsured coverage
This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Volkswagen GTI.
Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
This covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as fire damage, damage from a tornado or hurricane, hail damage, a broken windshield and rock chips in glass. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Coverage for medical payments
Med pay and PIP coverage kick in for immediate expenses like nursing services, ambulance fees, pain medications, funeral costs and prosthetic devices. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Coverage for liability
This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage protects against claims such as structural damage, repair costs for stationary objects, pain and suffering, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.
The best insurance company isn’t always the cheapest
In this article, we covered a lot of information how to compare 2000 Volkswagen GTI insurance prices online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with a small mutual company. They can often provide lower rates in certain areas than their larger competitors like State Farm, GEICO and Nationwide.
When shopping online for insurance, never skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at a price you can afford while still protecting your assets.
Much more information about insurance can be found at the links below
- How to Avoid Staged Accidents (State Farm)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Keeping Children Safe in Crashes Video (iihs.org)
- Safety Tips for Teen Drivers (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$1,458|
|Los Angeles, CA||$1,572|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$55|
|5-yr Claim Free||$57|
|Paid in Full/EFT||$32|
Discounts are estimated and may not be available from every company or in every state.