Cheaper 1998 Volkswagen Cabrio Car Insurance Quotes

Are you irritated from robbing Peter to pay Paul to keep your car insured? You’re in the same situation as most other drivers. Drivers have many auto insurance companies to insure vehicles with, and even though it’s nice to have a choice, more options can take longer to find the lowest cost provider.

How to lower your insurance prices

Part of the insurance buying process is learning a few of the rating criteria that come into play when calculating your policy premiums. When you know what positively or negatively impacts premium levels, this enables informed choices that may reward you with better insurance rates.

Compare rates if you bundle your policies – Most insurance companies afford lower prices for people that purchase more than one policy. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount applied, it’s still a good idea to comparison shop to help ensure you have the lowest rates.
Lower miles driven equals lower premium – The more miles you rack up on your Volkswagen in a year’s time the more it will cost to insure it. Almost all companies charge to insure your cars based upon how much you drive. Cars and trucks that have low annual miles get more affordable rates than those that get driven frequently. An improperly rated Cabrio can result in significantly higher rates. Double check that your insurance declarations sheet reflects the right rating data.
How much liability – A critical coverage on your policy, liability insurance will afford coverage if you are responsible for personal injury or accident damage. Liability insurance provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
What’s your car’s safety rating? – Safer cars get lower rates. Vehicles built for safety protect occupants better and any reduction in injury severity means less claims paid and thus lower rates. If the Volkswagen Cabrio is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
Never allow your coverage to lapse – Not maintaining insurance is a big no-no and companies may charge more for letting your coverage lapse. In addition to paying higher premiums, getting caught without coverage will get you a steep fine or even jail time.
Are you male or female? – Statistics show women are more cautious behind the wheel. It does not mean males are worse at driving than females. Both genders are responsible for accidents in similar numbers, but males cause more damage and cost insurance companies more money. Men also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 are several times more likely to be in an accident so it costs more to insure them.

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Insurance coverage companies offer lots of discounts

Some companies don’t always publicize all available discounts very clearly, so the next list breaks down both the well known as well as some of the hidden credits available to lower your premiums when you buy auto insurance online.

Discounts for Responsible Drivers – Safe drivers can pay as much as 50% less on Cabrio insurance compared to rates paid by drivers with frequent claims.
Theft Prevention System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and earn discounts up to 10% off your auto insurance quote.
Defensive Driver Discount – Taking time to complete a defensive driver course can save you 5% or more if your company offers it.
Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life insurance policy as well.
Clubs and Organizations – Belonging to specific professional or occupational memberships or organizations may earn a discount on your bill.
Policy Bundle Discount – When you have multiple policies with the same company they may give you a discount of at least 10 to 15 percent or more.
Active Military Service – Having an actively deployed family member may lower your premium rates slightly.
Discount for Home Ownership – Owning a home can help you save on insurance coverage because maintaining a house shows financial diligence.
Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
Pay Early and Save – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.

We need to note that most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Larger insurance coverage companies and some of the premium reductions they offer can be found below.

Progressive offers premium reductions for multi-policy, homeowner, continuous coverage, multi-vehicle, good student, and online signing.
AAA offers discounts including anti-theft, multi-car, multi-policy, good driver, and good student.
Farmers Insurance offers discounts for electronic funds transfer, bundle discounts, good student, homeowner, teen driver, and alternative fuel.
GEICO may offer discounts for daytime running lights, good student, anti-theft, air bags, emergency military deployment, and defensive driver.
Esurance may include discounts for good driver, renters, defensive driver, Pac-12 alumni, paid-in-full, and Switch & Save.
SAFECO has discounts for safe driver, anti-lock brakes, teen safety rewards, drive less, homeowner, bundle discounts, and teen safe driver.
State Farm may have discounts that include multiple autos, anti-theft, accident-free, defensive driving training, good driver, good student, and Steer Clear safe driver discount.

When comparing rates, check with every company to apply every possible discount. Some discounts might not apply in every state. To see providers offering insurance coverage discounts, click here to view.

But the ad said I’d save 15% in 15 minutes!

Drivers can’t escape the ads for the lowest price auto insurance by companies like State Farm, Allstate and GEICO. All the ads state the claim about how much you will save just by moving to their company.

How do they all sell you cheaper insurance coverage? You have to listen carefully.

Insurance companies have strict underwriting profiles for the type of customer that earns them the highest profit. For example, a profitable customer should be a mature driver, has a low-risk occupation, and chooses high deductibles. A customer getting a price quote who matches that profile receives the best prices and therefore will save some money.

People who fall outside these stringent criteria must pay more expensive rates which results in the prospect going elsewhere. The ads state “drivers who switch” not “everyone that quotes” save that much when switching. This is how companies can truthfully claim big savings.

This really emphasizes why you absolutely need to get auto insurance quotes as often as possible. Because you cannot predict which auto insurance company will provide the lowest rates.

Do I just need basic coverages?

When choosing coverage, there really is not a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether you may require specific advice.

What if I total my 1998 Volkswagen Cabrio and owe more than it’s worth?
Can I make deliveries for my home business?
Am I covered by my spouse’s policy after a separation?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Do I need an umbrella policy?
Why do I need rental car insurance?
Does my medical payments coverage pay my health insurance deductible?
What discounts do I qualify for?

If you don’t know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and may give you better protection.

Car insurance coverage breakdown

Learning about specific coverages of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Listed below are typical coverage types found on most car insurance policies.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, vandalism and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like dental work, prosthetic devices, rehabilitation expenses, chiropractic care and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Liability coverages – This provides protection from injuries or damage you cause to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like loss of income, pain and suffering, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Collision – This will pay to fix damage to your Cabrio caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like colliding with a tree, crashing into a ditch, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Best coverage at the best price

In this article, we covered a lot of information how to compare 1998 Volkswagen Cabrio insurance auto insurance rates online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding affordable auto insurance. You may even find the most savings is with the smaller companies. Some small companies often have lower premium rates on specific markets than the large multi-state companies such as State Farm or Progressive.

Some insurance companies do not provide online rate quotes and most of the time these regional insurance providers sell through independent insurance agencies. Cheaper car insurance is possible online and from local agencies, and you should compare rates from both to have the best selection.

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