Lower Your 1992 Volkswagen Cabriolet Insurance Quotes

Trying to find cheaper auto insurance is always a challenge for drivers who have little experience quoting and comparing prices online. With so many insurers available, it can turn into a chore to compare rates.

Car insurance discounts help cut rates

Car insurance is not cheap nor is it fun to buy but you can get discounts that could drop your premiums quite a bit. Most are applied when you purchase, but some discounts are required to be specifically requested before being credited.

  • Discounts for Government Workers – Active or former government employment could qualify for a slight premium decrease on Cabriolet coverage with a few car insurance companies.
  • Switch and Save Discount – A few insurance companies give discounts for switching companies prior to your current policy expiring. You could save around 10% when you buy car insurance online.
  • Lower Rates for Military – Having an actively deployed family member could be rewarded with lower car insurance rates.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in school or through a local driver safety program.
  • ABS Brakes – Cars equipped with ABS or steering control prevent accidents and the ABS can save up to 10%.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off the PIP or medical payment premium.
  • Discounts for Multiple Vehicles – Insuring several vehicles with one company could earn a price break for each car.
  • New Car Discount – Adding a new car to your policy may earn a small discount since newer vehicles are generally safer.
  • Distant Student Discount – Kids who attend college more than 100 miles from home and do not take a car to college could get you a discount.

Remember that many deductions do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like all the discounts add up to a free policy, companies don’t profit that way.

A few companies that may offer policyholders most of these discounts include:

Before purchasing a policy, check with each company to give you their best rates. Some credits might not be offered everywhere. For a list of insurance companies that offer multiple discounts, click here.

Learn how to quote insurance cheaper

It’s important that you understand the rating factors that help determine the rates you pay for insurance. When you know what positively or negatively determines base rates, this allows you to make good choices that may reward you with lower rates.

  • Don’t cut corners with liability protection – Your insurance policy’s liability coverage will afford coverage if you are ruled to be at fault for causing damage or personal injury in an accident. It provides legal defense coverage to attempt to prove you were not liable. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
  • Avoid insurance policy lapses – Allowing your insurance policy to lapse is a quick way to increase your renewal premiums. In addition to paying higher premiums, being ticketed for driving with no insurance could result in a license revocation or jail time. You could then be forced to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Drive less and save – The higher the mileage driven in a year’s time the higher your rate. Most companies calculate rates partially by how you use the vehicle. Cars used primarily for pleasure use receive lower rates than those that get driven frequently. A policy that improperly rates your Cabriolet may be costing you. It’s always a good idea to double check that your insurance coverage is showing the correct usage.
  • Insure car and home with the same company – Most larger insurers give better rates to policyholders that have more than one policy. It’s known as a multi-policy discount. Even though this discount sounds good, drivers will still want to get quotes from other companies to make sure you are getting the best deal.

Which is the best auto insurance?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

These are some specific questions can aid in determining whether your personal situation might need professional guidance.

  • Does my 1992 Volkswagen Cabriolet need full coverage?
  • Should I have combined single limit or split liability limits?
  • What if I don’t agree with a claim settlement offer?
  • Do I need to file an SR-22 for a DUI in my state?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered when delivering products for my home-based business?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

Well known brands might not be cheapest

Popular car insurance providers such as State Farm and Allstate consistently run ads on TV and radio. All the companies convey the message about how much you will save if you get a free car insurance quote and switch your car insurance policy to them. That’s great but how can every company charge lower premium rates? It’s all in how they say it.

Most companies are able to cherry pick for a prospective insured that will generate a profit. For instance, a desirable risk might have to be over age 30, has no claims, and chooses high deductibles. Anybody who fits those characteristics is entitled to the best price and will probably save if they switch.

Insureds who don’t meet those standards will probably be forced to pay a more expensive rate which translates to the driver buying from a lower-cost company. The ad wording is “drivers that switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can confidently make claims like that.

This emphasizes why you really should do a rate comparison at every renewal. It’s just too difficult to predict which company will have the lowest rate quotes.

Insurance coverages and their meanings

Having a good grasp of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability auto insurance

Liability insurance will cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things such as loss of income, medical services and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Volkswagen Cabriolet.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for short-term medical expenses such as prosthetic devices, surgery and pain medications. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage

This coverage pays for damage to your Cabriolet from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as hitting a mailbox, damaging your car on a curb 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 older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, theft and vandalism. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Summing up your insurance coverage search

When searching for cheap car insurance quotes, it’s very important that you do not buy poor coverage just to save money. There are many occasions where someone dropped liability coverage limits only to regret that the small savings ended up costing them much more. The aim is to purchase plenty of coverage for the lowest price, but don’t skip important coverages to save money.

Cheap 1992 Volkswagen Cabriolet insurance is available online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. A few companies do not provide price quotes online and most of the time these smaller companies only sell coverage through local independent agents.

In this article, we covered many ways to save on 1992 Volkswagen Cabriolet insurance. The most important thing to understand is the more you quote car insurance, the higher the chance of saving money. Drivers may discover the best price on insurance coverage is with a small local company.

Even more information can be found at these sites: