Cheaper 1995 Volkswagen Cabrio Insurance Rates

Searching for cheaper auto insurance rates for your Volkswagen Cabrio? Locating cheaper insurance for a Volkswagen Cabrio can turn out to be difficult, but you can use the following methods to save time. There is a better way to shop for auto insurance so you’re going to learn the proper way to quote coverages on a Volkswagen and get the lowest price from local insurance agents and online providers.

Shop auto insurance online

Comparing auto insurance rates can be a daunting task if you aren’t aware of the fastest way to get free quotes. You could spend the better part of a day driving to local insurance agents in your area, or you can utilize the internet to get pricing more quickly.

Most of the best insurance companies take part in a program where prospective buyers submit one quote, and each company can provide price quotes based on the submitted data. This prevents consumers from doing quote forms for each company you want a rate for.

To use this form to compare rates click here (opens in new window).

One minor caviat to using this type of form is you can’t choose which insurance companies to receive prices from. So if you want to select individual companies to request quotes from, we put together a list of auto insurance companies in your area. Click here to view list.

Compare rates however you want, just be sure to compare exactly the same quote data on every quote. If you use unequal deductibles or liability limits you will not be able to make an equal comparison.

Cut your car insurance rates with discounts

Not too many consumers would say car insurance is affordable, but there’s a good chance there are discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied at the time of purchase, but some need to be manually applied before you get the savings. If you are not receiving all the discounts you qualify for, you are paying more than you should be.

  • Military Discounts – Being on active duty in the military could qualify you for better car insurance rates.
  • Discount for Swiching Early – Some companies reward drivers for buying a new policy prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Auto/Home Discount – If you can bundle your homeowners and auto insurance with the same company you will save approximately 10% to 15%.
  • E-sign – A few larger online companies will give a small break for buying your policy on the internet.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts may get savings up to 30%.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time as opposed to paying monthly you could save 5% or more.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts could cut 10% or more off the medical payments premium.

You can save money using discounts, but most discount credits are not given to the entire cost. Some only reduce individual premiums such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky. But any discount will lower your car insurance premiums.

Companies that have most of these discounts include:

When getting free auto insurance quotes, it’s a good idea to every company which credits you are entitled to. Depending on the company, some discounts might not be offered on policies in every state. To choose insurers who offer car insurance discounts, click this link.

You are unique and your auto insurance should be too

When it comes to choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions could help you determine whether you would benefit from professional advice.

  • Do I need rental car coverage?
  • What is no-fault insurance?
  • Do I have coverage if my license is suspended?
  • Can I drive in Mexico and have coverage?
  • How can I get my company to pay me more for my totalled car?
  • Is my dog or cat covered if injured in an accident?
  • Do all my vehicles need collision coverage?
  • Is a new car covered when I drive it off the dealer lot?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Components of your Volkswagen Cabrio insurance prices

Part of the auto insurance buying process is learning the factors that are used to determine your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make good choices that could help you find much lower annual insurance costs.

  • Drivers with excellent credit save on auto insurance – Having a good credit rating is a large factor in calculating your premium rate. Drivers who have very good credit scores tend to be less risk to insure than drivers with bad credit. If your credit score is lower than you’d like, you could potentially save money when insuring your 1995 Volkswagen Cabrio if you clean up your credit.
  • Teenagers vs. mature drivers – Teen drivers are statistically shown to be inattentive when driving with friends so they pay higher auto insurance rates. Older insureds are more responsible, tend to file fewer claims and are safer drivers.
  • Do you really need to file that policy claims? – Auto insurance companies generally give discounts to policyholders who are claim-free. If you file a lot of claims you can definitely plan on either higher rates or even cancellation. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Safer vehicles save money – Vehicles with good safety scores tend to be cheaper to insure. Safer cars have better occupant injury protection and fewer injuries translates directly to fewer claims which can mean better rates for you. If your Volkswagen Cabrio has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • How much liability coverage do you need? – The liability coverage on your policy is the coverage that protects you if ever you are responsible for an accident. Your policy’s liability insurance provides legal defense which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Cheaper rates by combining – Lots of insurers will award better rates for people that purchase more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, drivers will still want to comparison shop to ensure the best deal.
  • Driving citations mean higher prices – Having a clean driving record has a lot to do with how much you pay for insurance. Even one citation can increase the cost of insurance to the point where it’s not affordable. Drivers who don’t get tickets get better prices compared to drivers with tickets. Drivers unfortunate enough to have serious violations such as reckless driving or DUI are required to submit a SR-22 or proof of financial responsibility with their state in order to continue driving.

The insurance coverage bait and switch

Consumers get pounded daily by advertisements for the lowest price insurance coverage by Progressive, GEICO, Allstate and State Farm. They all state the claim about how much you will save just by switching your insurance coverage policy to them.

How can each company say the same thing? Here is how they do it.

Insurance coverage companies quote their best rates for the type of customer that earns them a profit. A good example of a desirable risk may need to be married and over the age of 30, insures multiple vehicles, and does not commute to work. A customer getting a price quote who matches those parameters will get low prices and as a result will probably cut their rates substantially.

Consumers who do not fit the ideal profile will probably have to pay higher prices and the customer not purchasing. The trick companies use is to say “customers that switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way companies can truthfully make those claims. Because of the profiling, you really should compare price quotes frequently. Because you never know which insurance coverage company will fit you best based on your risk profile.

Car insurance 101

Learning about specific coverages of a auto insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

UM/UIM Coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Volkswagen Cabrio.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability car insurance

This will cover damages or injuries you inflict on people or other property. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like attorney fees, pain and suffering and loss of income. How much coverage you buy is up to you, but buy as large an amount as possible.

Auto collision coverage

This coverage covers damage to your Cabrio caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a building, backing into a parked car, scraping a guard rail and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as rock chips in glass, damage from flooding, hitting a deer and hitting a bird. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for X-ray expenses, pain medications, dental work and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

A fool and his money are soon parted

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your objective should be to find the BEST coverage at the lowest possible cost, but don’t skip important coverages to save money.

More affordable auto insurance can be purchased from both online companies and with local insurance agents, so you should compare both to have the best selection. Some insurance companies don’t offer rate quotes online and many times these smaller providers sell through independent insurance agencies.

People who switch companies do it for any number of reasons including not issuing a premium refund, high prices, an unsatisfactory settlement offer and even policy cancellation. Whatever your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

Even more information can be read by following these links: