Compare 2008 Volkswagen Rabbit Insurance Quotes

Looking for cheaper car insurance rates for your Volkswagen Rabbit? Finding cheaper insurance for a Volkswagen Rabbit can be difficult, but you can learn the following methods to save time.

There are more efficient ways to find car insurance online and we’ll show you the best way to quote coverages on a Volkswagen and get the lowest price from both online companies and local agents.

First Step: Get free auto insurance quotes

Performing a rate comparison can be exhausting if you don’t utilize the most efficient way. You could waste time driving to insurance companies in your area, or you could use online quotes to get the quickest rates.

Many insurance companies take part in a program that enables customers to send in one quote, and every company returns a rated price. This eliminates the need for quote requests to each company.

To find out how much you’re overpaying now click here to open in new window.

The one disadvantage to doing it this way is you can’t choose which insurance companies you want to price. If you wish to select specific providers to compare prices, we have a page of auto insurance companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just compare identical deductibles and coverage limits on every quote. If you have different coverage information it will be very difficult to determine the lowest rate for your Volkswagen Rabbit.

Insurance coverage rates and discounts

Insurance coverage is not inexpensive, but there are discounts available that may help make it more affordable. Many discounts should be triggered when you get a quote, but a few must be specifically requested in order for you to get them.

  • Defensive Driving Course – Taking part in a course in defensive driver could earn you a small percentage discount and easily pay for the cost of the class.
  • Own a Home – Owning a house may trigger a policy discount on insurance coverage because maintaining a house means you have a higher level of financial diligence.
  • Theft Deterent Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
  • Multi-car Discount – Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Government Employees – Employees or retirees of the government may qualify for a discount when you quote insurance on Rabbit insurance with select insurance companies.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to your bottom line cost. Most only cut the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like all those discounts means the company will pay you, nobody gets a free ride. But all discounts will definitely reduce your policy premiums.

Companies and some of their more popular discounts include:

  • State Farm offers discounts for good student, anti-theft, Steer Clear safe driver discount, multiple autos, passive restraint, Drive Safe & Save, and safe vehicle.
  • Nationwide may have discounts that include accident-free, Farm Bureau membership, anti-theft, multi-policy, defensive driving, good student, and family plan.
  • GEICO has discounts for anti-theft, multi-policy, daytime running lights, federal employee, multi-vehicle, good student, and emergency military deployment.
  • AAA discounts include good driver, pay-in-full, multi-car, anti-theft, education and occupation, and multi-policy.
  • 21st Century policyholders can earn discounts including theft prevention, homeowners, 55 and older, air bags, defensive driver, anti-lock brakes, and teen driver.
  • The Hartford may include discounts for air bag, defensive driver, good student, vehicle fuel type, bundle, and driver training.

If you need low cost insurance quotes, ask each company which discounts can lower your rates. Some of the earlier mentioned discounts may not be available in your area. To choose companies who offer insurance coverage discounts, click here to view.

Volkswagen Rabbit insurance premium factors

Many things are part of the equation when you get a price on insurance. Some are obvious like a motor vehicle report, although others are less obvious such as whether you are married or your commute time.The best way to find cheaper insurance is to take a look at some of the factors that help determine your policy premiums. If you know what positively or negatively impacts your premiums, this enables informed choices that can help you get big savings.

The factors shown below are most of the major factors that factor into premiums.

  • Fewer miles means better costs – Driving more miles in a year the more you’ll pay to insure your vehicle. Many insurance companies apply a rate based on how the vehicle is used. Vehicles that have low annual miles get more affordable rates than those used for commuting. Having the wrong rating on your Rabbit is just wasting money. It’s a good idea to make sure your policy correctly shows annual mileage.
  • Rural areas have lower costs – Choosing to live in areas with lower population has definite advantages if you are looking for the lowest rates. Drivers who live in large cities have traffic congestion and higher rates of accident claims. Lower population corresponds to lower accident rates.
  • Discounts for married drivers – Your spouse can get you a discount on your policy. Having a significant other may mean you are more responsible and statistics show married drivers get in fewer accidents.
  • Only buy what you need – There are a ton of extra bells and whistles that sound like a good idea at the time if you aren’t careful. Coverage for things like replacement cost coverage, better glass coverage, and membership fees could be just wasting money. They may sound like good ideas when talking to your agent, but if you’ve never needed them in the past get rid of them and save.

Situations that may require an agent’s advice

When buying the best car insurance coverage for your vehicles, there really is not a cookie cutter policy. Every insured’s situation is different.

These are some specific questions could help you determine if your insurance needs might need professional guidance.

  • What if I don’t agree with a claim settlement offer?
  • Do I have coverage if my license is suspended?
  • Do I have coverage when using my vehicle for my home business?
  • Should I have combined single limit or split liability limits?
  • What is no-fault insurance?
  • Is there coverage for injuries to my pets?
  • What if I total my 2008 Volkswagen Rabbit and owe more than it’s worth?
  • Do I need rental car coverage?
  • Will my rates increase for filing one claim?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Car insurance coverages 101

Knowing the specifics of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Coverage for collisions

This will pay to fix damage to your Rabbit resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with a tree, sideswiping another vehicle, crashing into a building and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Liability car insurance

Liability insurance will cover damage or injury you incur to a person or their property. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims like repair costs for stationary objects, emergency aid, repair bills for other people’s vehicles, attorney fees and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as ambulance fees, funeral costs, doctor visits and pain medications. They can be used in conjunction with a health insurance program or if you do not have health coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Volkswagen Rabbit.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, damage from flooding, theft and hitting a deer. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Smart shoppers get results

More affordable car insurance is possible both online as well as from independent agents, so get free insurance quotes from both of them to have the best selection. Some insurance providers don’t offer online quoting and most of the time these regional carriers only sell coverage through independent insurance agents.

Consumers leave their current company for many reasons like questionable increases in premium, policy cancellation, extreme rates for teen drivers or even being labeled a high risk driver. It doesn’t matter what your reason, choosing a new insurance company can be less work than you think.

We just covered many ways to save on 2008 Volkswagen Rabbit insurance. The most important thing to understand is the more providers you compare, the higher your chance of finding inexpensive insurance. You may even discover the lowest auto insurance rates are with the smaller companies.

More resources