Cheaper 1999 Volkswagen Cabrio Insurance Rates

Looking for better insurance rates? Shoppers have lots of choices when shopping for the lowest priced Volkswagen Cabrio insurance. You can either spend your time calling around to get rate comparisons or save time using the internet to make rate comparisons.

There is a better way to compare insurance rates and we’ll show you the proper way to get price quotes for a new or used Volkswagen and locate the lowest possible price from local insurance agents and online providers.

It’s smart to do price comparisons occasionally since prices change frequently. Even if you got the best deal on Cabrio insurance on your last policy you will most likely find a better rate today. Forget all the misinformation about insurance because you’re about to find out the tricks you need to know to save money, get proper deductibles and limits, all at the lowest rate.

Pay discount rates with these discounts

Not many people think insurance is cheap, but there are discounts available that you may not even know about. Certain reductions will be credited when you get a quote, but some may not be applied and must be inquired about prior to receiving the credit.

  • Braking Control Discount – Anti-lock brake equipped vehicles have fewer accidents and the ABS can save up to 10%.
  • Safety Restraint Discount – Requiring all passengers to buckle their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Pay Upfront and Save – By making one initial payment rather than paying in monthly installments you may have a lower total premium amount.
  • Discount for Multiple Policies – If you can bundle your home and auto insurance with the same insurance company they may give you a discount of 10% to 20% off each policy.
  • Paperwork-free – Some companies provide a small discount for signing up over the internet.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags may earn rate discounts as much as 30%.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in school.
  • Multiple Vehicles – Purchasing coverage when you have multiple vehicles on the same auto insurance policy can reduce rates for all insured vehicles.
  • Professional Memberships – Being a member of qualifying employment or professional organizations is a simple method to lower premiums on your policy.

One last thing about discounts, most discounts do not apply to all coverage premiums. Most cut specific coverage prices like liability and collision coverage. Despite the fact that it seems like adding up those discounts means a free policy, it just doesn’t work that way.

Larger auto insurance companies and a selection of discounts are:

  • Progressive may include discounts for multi-policy, online signing, multi-vehicle, homeowner, and continuous coverage.
  • MetLife may have discounts that include multi-policy, accident-free, defensive driver, good driver, claim-free, and good student.
  • Mercury Insurance discounts include multi-car, annual mileage, location of vehicle, type of vehicle, good driver, and good student.
  • Nationwide has savings for Farm Bureau membership, multi-policy, family plan, business or organization, easy pay, and anti-theft.
  • GEICO includes discounts for good student, anti-lock brakes, defensive driver, driver training, anti-theft, military active duty, and air bags.
  • AAA offers premium reductions for anti-theft, AAA membership discount, education and occupation, pay-in-full, and good student.

Check with each company which credits you are entitled to. A few discounts might not apply in your area.

Your situation helps dictate your coverage

When buying adequate coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether your personal situation could use an agent’s help.

  • Am I covered when driving on a suspended license?
  • Is my state a no-fault state?
  • Can I rent a car in Mexico?
  • Do I need roadside assistance coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • When should I not file a claim?
  • Am I covered if my car is in a flood?
  • I don’t drive much so do I pay less?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage options for a Volkswagen Cabrio

Having a good grasp of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills for things like ambulance fees, surgery, chiropractic care, doctor visits and pain medications. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, rock chips in glass and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Liability auto insurance

This coverage provides protection from damages or injuries you inflict on people or other property in an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as attorney fees, structural damage, repair bills for other people’s vehicles, repair costs for stationary objects and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision protection

Collision insurance covers damage to your Cabrio from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like rolling your car, hitting a parking meter, damaging your car on a curb, crashing into a building and backing into a parked car. This coverage can be expensive, so consider dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

In the end, you save

Lower-priced 1999 Volkswagen Cabrio insurance is available online and from local agencies, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who may not provide online price quotes and many times these smaller providers only sell coverage through local independent agencies.

Drivers leave their current company for any number of reasons including unfair underwriting practices, poor customer service, policy non-renewal and delays in paying claims. It doesn’t matter what your reason, finding a new company can be pretty painless.

You just learned many ways to save on 1999 Volkswagen Cabrio insurance. The key thing to remember is the more quotes you get, the higher the chance of saving money. Consumers may even find the best rates are with a smaller regional carrier.

Additional information