1996 Volkswagen Cabrio Insurance Rates

Are you drained from not being able to scrape enough together to buy insurance coverage? You’re in the same situation as many other consumers.

Many insurers compete for your hard-earned dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the best rates possible.

Earn discounts on insurance

Car insurance is not cheap, but you might already qualify for some discounts that you may not even be aware of. Some of these disounts will be visible at the time of purchase, but a few need to be asked about before they will apply.

  • Membership in Organizations – Affiliation with qualifying employment or professional organizations is a good way to get lower rates on your policy.
  • Switch and Save Discount – A few larger companies allow discounts for buying a new policy prior to the expiration date on your current policy. It could save around 10% when you buy insurance online.
  • Buy New and Save – Insuring a new car can save up to 30% because newer models keep occupants safer.
  • Safe Drivers – Drivers who avoid accidents can save as much as half off their rates for Cabrio coverage compared to accident prone drivers.
  • Low Miles Discount – Driving less can earn cheaper premium rates.
  • Pay Now and Pay Less – By paying your entire bill at once rather than spreading payments over time you could save 5% or more.
  • Student Discount for Driver Training – Cut your cost by having your teen driver enroll and complete driver’s education as it will make them better drivers and lower rates.

It’s important to note that most discount credits are not given the the whole policy. Most cut the price of certain insurance coverages like comprehensive or collision. Even though it appears you could get a free insurance policy, companies don’t profit that way.

Larger insurance companies and the discounts they provide can be found below.

  • GEICO may offer discounts for driver training, defensive driver, five-year accident-free, air bags, and multi-policy.
  • Auto-Owners Insurance offers discounts for group or association, multiple vehicles, teen driver, safe driver, multi-policy, and anti-lock brakes.
  • American Family includes discounts for good student, good driver, Steer into Savings, TimeAway discount, accident-free, air bags, and mySafetyValet.
  • Esurance may have discounts that include online quote, multi-policy, Pac-12 alumni, defensive driver, online shopper, and good student.
  • Progressive offers premium reductions for continuous coverage, online quote discount, multi-policy, homeowner, good student, and online signing.
  • State Farm has discounts for anti-theft, safe vehicle, Steer Clear safe driver discount, student away at school, good student, passive restraint, and accident-free.
  • AAA has savings for good driver, anti-theft, multi-policy, education and occupation, AAA membership discount, good student, and multi-car.

If you need inexpensive insurance quotes, ask each company to give you their best rates. Some of the discounts discussed earlier might not be available to policyholders in your area. To see companies with the best discounts, click this link.

How to shop auto insurance online

Shopping for lower auto insurance rates can take time and effort if you don’t know the easiest way. You can waste a few hours (or days) driving to agents in your area, or you could save time and use the internet to maximize your effort.

Many companies participate in a marketplace that allows shoppers to submit their information once, and each company provides a quote based on the submitted data. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To access this free quoting program, click to open in new window.

The one disadvantage to getting quotes like this is that consumers can’t choose the companies to get pricing from. So if you want to select individual companies to compare, we put together a list of auto insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but be sure you’re using nearly identical coverage limits for each comparison quote. If you compare different limits and deductibles on each one it’s not possible to find the best deal for your Volkswagen Cabrio. Even a minor difference in insurance coverages or limits may result in large price differences. Just keep in mind that comparing more rates from different companies gives you a better chance of getting a better price.

The Volkswagen Cabrio insurance rate equation

Smart consumers have a good feel for some of the elements that go into determining the rates you pay for auto insurance. When consumers understand what controls the rates you pay, this allows you to make educated decisions that may reward you with cheaper rates. Multiple criteria are used in the calculation when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, although some other factors are not quite as obvious such as whether you are married or how financially stable you are.

  • Your location is important – Residing in smaller towns and rural areas of the country can be a good thing when shopping for auto insurance. People who live in big cities tend to have congested traffic and higher rates of accident claims. Lower population corresponds to lower accident rates as well as less vandalism and auto theft.
  • Safer cars lower auto insurance rates – Safer cars get lower rates. These vehicles reduce occupant injuries and fewer serious injuries translates into fewer and smaller insurance claims and thus lower rates.
  • Only buy extra coverages you need – Policies have extra add-on coverages that can add up if you don’t pay attention. Insurance for rental car reimbursement, towing, and membership fees may be costing you every month. They may seem good when buying your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Gender as a rate factor – The statistics show that females tend to be a little less risky than males. It does not mean females are better drivers. Females and males tend to get into auto accidents at about the same rate, but guys get into accidents with more damage. Men also tend to get more serious tickets like driving under the influence (DUI). Teenage male drivers generally have the highest accident percentage and therefore are the most expensive to insure.
  • Lower rates with a multi-policy discount – Most major insurers will award a discount for people who have multiple policies with them. It’s known as a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. If you currently are using one company, it’s always a smart idea to shop around to help guarantee you have the best rates.
  • Prevent theft and save money – Purchasing a vehicle with anti-theft technology or alarm system can save you some money. Systems that thwart theives like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft and help lower rates.

Tailor your car insurance coverage to you

When choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. For example, these questions might help in determining whether your personal situation would benefit from professional advice.

  • Why am I required to get a high-risk car insurance policy?
  • How does medical payments coverage work?
  • When does my teenage driver need to be added to my policy?
  • I have a DUI can I still get coverage?
  • What vehicles should carry emergency assistance coverage?
  • How do I buy GAP insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I need PIP (personal injury protection) coverage in my state?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Car insurance coverages explained

Learning about specific coverages of car insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most car insurance policies.

Collision coverage – Collision coverage covers damage to your Cabrio resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, backing into a parked car and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Auto liability insurance – This coverage can cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like legal defense fees, funeral expenses and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for expenses like doctor visits, rehabilitation expenses, chiropractic care, ambulance fees and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

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

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, fire damage, theft and hitting a bird. The most a car 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 it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Buy Smart and Save

There are still a few companies who may not offer online rate quotes and these smaller providers only sell through independent agents. Lower-priced 1996 Volkswagen Cabrio insurance can be found on the web and also from your neighborhood agents, and you should compare rates from both to get a complete price analysis.

We just showed you a lot of ways to get a better price on 1996 Volkswagen Cabrio insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the lowest priced auto insurance comes from the least-expected company. They may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive and GEICO.

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