Save on 1991 Volkswagen Cabriolet Insurance Quotes

Are you burned out from sacrificing to buy insurance coverage? You are in the same boat as many other drivers. Popular companies such as GEICO, 21st Century and Progressive continually bombard you with fancy advertisements and it can be hard to ignore the flashy ads and effectively compare rates to find the best deal.

If you are insured now or are shopping for new coverage, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Choosing the best insurance company for you is quite easy. Vehicle owners just need to understand the proper way to shop on the web.

Compare car insurance rates

Most of the larger companies such as 21st Century, Allstate and State Farm allow you to get prices on the web. Comparing rates online is easy for anyone because it’s just a matter of typing in your coverage preferences as requested by the quote form. When complete, their system obtains credit information and your driving record and returns pricing information based on these factors. Quoting online makes it a lot easier to compare rates but the time it takes to visit several different sites and enter the same data into a form can be a bit tiresome and repetitive. But it’s very important to have as many quotes as possible if you are searching for the best price possible.

Quote rates the easy way

A better way to compare car insurance pricing uses one form to get prices from multiple companies. It saves time, reduces the work, and makes comparison shopping much more enjoyable. Once the form is submitted, it is rated and you can select your choice of the quotes returned.

If you find a better price you can click and sign and purchase the new policy. The entire process takes 15 minutes at the most and you’ll know if lower rates are available.

To quickly fill out one form to compare multiple rates now, click here to open in a new tab and submit the form. If you have your current policy handy, we recommend you input the insurance coverages as shown on your current policy. This ensures you will have an apples-to-apples comparison based on the exact same insurance coverage.

When do I need an agent’s advice?

When buying proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Every insured’s situation is different so this has to be addressed. For example, these questions could help you determine if you may require specific advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • How can I get high-risk coverage after a DUI?
  • How can I get my company to pay me more for my totalled car?
  • What can I do if my company denied a claim?
  • Should I buy additional glass protection?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Coverages available on your insurance policy

Having a good grasp of your policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring. Shown next are the usual coverages available from insurance companies.

Auto liability insurance

This coverage will cover injuries or damage you cause to other people or property by causing an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for claims such as repair costs for stationary objects, legal defense fees and structural damage. How much coverage you buy is your choice, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, fire damage and damage from getting keyed. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses such as doctor visits, hospital visits, funeral costs, X-ray expenses and rehabilitation expenses. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a parking meter, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.