How Much Does 2009 Volkswagen GTI Insurance Cost?

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 23, 2022

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Searching for better car insurance rates for your Volkswagen GTI? Having to pay for overpriced car insurance can take a big chunk out of your checking account and make it hard to pay other bills. Comparing price quotes is a great way to reduce premiums and put more money in your pocket.

Many auto insurance companies compete for your business, so it’s not easy to compare every insurance company and get the best coverage at the cheapest price

Volkswagen GTI rates are complex

It’s important that you understand some of the elements that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that will entitle you to better car insurance rates.

Shown below are some of the items companies use to determine prices.

  • Pay less after the wedding – Getting married helps lower the price when buying car insurance. Marriage translates into being more mature than a single person and statistics show married drivers get in fewer accidents.
  • The more you drive the more you pay – The more miles you rack up on your Volkswagen each year the higher your rates will be. The majority of insurers price each vehicle’s coverage based upon how you use the vehicle. Cars left parked in the garage qualify for better rates than vehicles that are driven to work every day. Having the wrong rating on your GTI may be costing you. Make sure your car insurance policy shows how each vehicle is driven.
  • Bad driving skills means higher rates – Whether or not you get tickets has a huge affect on how much you pay. Good drivers get better rates than their less careful counterparts. Even a single citation can increase rates forty percent or more. Drivers with dangerous tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
  • More than one policy can earn a discount – Some insurers will give a discount to people who have multiple policies with them in the form of a multi-policy discount. Even with this discount, you may still want to compare other company rates to ensure the best deal.
  • Your occupation can affect rates – Jobs such as judges, architects and financial analysts tend to have higher average rates attributed to stressful work requirements and lots of time spent at work. Conversely, jobs such as actors, engineers and retirees receive lower rates for GTI coverage.
  • Rural vs Urban Areas – Living in small towns and rural areas is a positive aspect when it comes to car insurance. Drivers who live in large cities regularly have more traffic problems and a longer drive to work. Lower population means reduced accidents.

Discounts are basically free money

Car insurance can cost a lot, but companies offer discounts that can drop the cost substantially. Some trigger automatically at the time of quoting, but some may not be applied and must be inquired about before being credited.

  • Defensive Driver – Successfully completing a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Life Insurance Discount – Larger companies have lower rates if you buy life insurance from them.
  • Student Driver Training – Have your child successfully complete driver’s ed class if it’s offered in school.
  • Multi-policy Discount – If you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Accident Free – Claim-free drivers can earn big discounts compared to bad drivers.

It’s important to note that most discount credits are not given the whole policy. Most only reduce individual premiums such as medical payments or collision. Just because it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous. Any amount of discount will bring down your overall premium however.

Insurance companies that may offer some of the above discounts are:

Check with each insurance company which discounts you may be entitled to. Discounts might not apply in your state.

Don’t be fooled by advertising claims

Auto insurance companies such as State Farm and Allstate regularly use ads on television and other media. They all seem to have a common claim of big savings if you move your policy. But how can every company say the same thing?

All companies are able to cherry pick for the driver that is profitable for them. A good example of a desirable insured might be over the age of 40, is a homeowner, and has excellent credit. Any driver who fits that profile receives the best rates and as a result will probably save a lot of money.

Potential customers who don’t measure up to this ideal profile will be quoted a more expensive rate which usually ends up with the customer not buying. The ads state “customers that switch” not “people who quote” save money. This is how insurance companies can confidently state the savings.

This emphasizes why it is so important to compare many company’s rates. You cannot predict which company will give you the biggest savings on Volkswagen GTI insurance.

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Which insurance is the “right” coverage?

When it comes to buying the best insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions can help discover whether you would benefit from professional advice.

  • Do I have coverage when using my vehicle for my home business?
  • When can I cancel my policy?
  • When do I need to add a new car to my policy?
  • Is extra glass coverage worth it?
  • Is upholstery damage covered by car insurance?
  • Will my insurance pay for OEM parts?
  • Should I carry comprehensive and collision coverage?
  • What companies insure drivers after a DUI or DWI?
  • What is covered by UM/UIM coverage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Coverages available on your insurance policy

Knowing the specifics of insurance aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

Comprehensive protection

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a deer, a tree branch falling on your vehicle, rock chips in glass and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

Collision insurance will pay to fix damage to your GTI caused by collision 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 can pay for claims such as rolling your car, scraping a guard rail, colliding with another moving vehicle, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Uninsured or underinsured coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Volkswagen GTI.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as chiropractic care, ambulance fees, doctor visits, nursing services and surgery. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Auto liability

Liability coverage provides protection from injuries or damage you cause to people or other property. This coverage protects you against claims from other people, and does not provide coverage for 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 policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as funeral expenses, repair costs for stationary objects, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Have the Midas touch

When trying to cut insurance costs, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many cases where someone dropped physical damage coverage and learned later that the savings was not a smart move. Your strategy should be to buy enough coverage at the best price.

Cheaper 2009 Volkswagen GTI insurance is possible on the web as well as from independent agents, so compare prices from both in order to have the best price selection to choose from. Some insurance providers don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

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