Compare 1991 Volkswagen Cabriolet Car Insurance Quotes

Searching for the cheapest insurance coverage rates for your Volkswagen Cabriolet? Do you get exhausted from being strong-armed to pay high insurance coverage rates every month? You are in the same boat as most other people.

Companies like State Farm, Geico and Farmers Insurance constantly bombard you with fancy advertisements and it is challenging if not impossible to ignore the propoganda and find the best price available.

Find discounts on insurance

Companies offering auto insurance do not list every discount very clearly, so the list below contains a few of the more well known and also the more inconspicuous discounts that may be available. If you do not check that you are getting every discount you qualify for, you’re paying more than you need to.

  • Federal Government Employee – Active or retired federal employment could qualify for a slight premium decrease for Cabriolet coverage with certain companies.
  • Telematics Data – Drivers who agree to allow driving data collection to study driving patterns by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they have good driving habits.
  • Home Ownership Discount – Owning a house can save you money since home ownership is proof that your finances are in order.
  • Student Discounts – This discount can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Payment Method – By making one initial payment rather than spreading payments over time you could save 5% or more.
  • Bundled Policy Discount – If you can bundle your homeowners and auto insurance and insure them both with the same insurance company you may earn 10% to 20% off each policy.

Discounts lower rates, but some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like you can get free auto insurance, it’s just not the way it works.

Companies that may offer policyholders many of the previously listed discounts include:

When comparing rates, check with every prospective company which discounts you qualify for. A few discounts may not be offered in your area. If you would like to see a list of insurers that offer many of these discounts, click here to view.

Compare auto insurance price quotes online

When shopping for the cheapest car insurance quotes, there are a couple of ways to compare rate quotes from local auto insurance companies. The easiest way to do a complete rate comparison consists of shopping online. This can be accomplished by using one of the methods below.

  1. If you are pressed for time, the simplest way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This type of form eliminates the need for boring form submissions for each company. One simple form gets you price quotes from auto insurance companies with the best prices.
  2. A less efficient way to obtain and compare quotes online is to take the time to go to each individual company website and go through the quote process again. For example, let’s assume you are doing a rate comparison from State Farm, Geico and Travelers. To get each rate you have to go to each individual site and repeatedly enter your information, which can get rather old.

    For a list of companies in your area, click here.

How you compare quotes is your choice, just make sure you compare the exact same deductibles and coverage limits for every quote you compare. If each company quotes different data then you won’t be able to determine the best price for your Volkswagen Cabriolet. Just slight variations in limits can result in a big premium difference. Just remember that having more price comparisons helps you find a lower rate.

How your Cabriolet insurance premiums are determined

Many factors are considered when premium rates are determined. Some are pretty understandable such as your driving history, but other factors are more transparent like where you live or your vehicle rating.A large part of saving on auto insurance is knowing a few of the rating criteria that help determine auto insurance rates. If you know what influences your rates, this allows you to make educated decisions that could help you find lower auto insurance prices.

Shown below are some of the items used by your company to calculate premiums.

  • Insure car and home with the same company – Most major companies provide discounts to insureds who have multiple policies with them in the form of a multi-policy discount. Even if you already get this discount, you still need to shop around to help guarantee you have the best rates. Consumers may find lower rates by insuring with multiple companies.
  • Good credit equals lower costs – Your credit rating is a large factor in determining what you pay for auto insurance. Therefore, if your credit rating leaves room for improvement, you may save money insuring your 1991 Volkswagen Cabriolet by taking the time to improve your credit score. Insureds that have excellent credit tend to file fewer claims than those with poor credit.
  • Liability protection is important – A critical coverage on your policy, liability insurance provides coverage if ever a jury decides you are liable for damages from an accident. It provides for a legal defense to defend your case. Liability insurance is quite affordable compared to comp and collision, so drivers should buy more than the minimum limits required by law.
  • Avoid tickets and save – Your driving citation history can have a huge impact on auto insurance premiums. Getting just one moving violation may cause rates to rise twenty percent or more. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Drivers unfortunate enough to have careless tickets like reckless driving or DUI may find that they have to to maintain a SR-22 to the state department of motor vehicles in order to prevent a license revocation.
  • Do you have a tough occupation? – Occupational choices like military personnelpolice officers and emergency personnel tend to pay the highest rates because of stressful work requirements and incredibly demanding work hours. On the flip side, occupations like farmers, athletes and performers pay lower than average rates for Cabriolet coverage.
  • Prices impacted by your city – Choosing to live in a rural area may provide you with better prices when shopping for auto insurance. Less people living in that area means reduced accidents as well as less vandalism and auto theft. Residents of big cities regularly have more auto accidents and longer commutes to work. More time on the road statistically corresponds to a higher accident and claim rate.
  • Decrease auto insurance rates by maintaining coverage – Driving with no insurance is against the law and you will pay a penalty because you let your insurance lapse. And not only will your rates increase, getting caught without coverage may earn you a hefty fine and possibly a revoked license. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Discounts for married drivers – Having a wife or husband helps lower the price on auto insurance. Having a spouse demonstrates that you tend to be more stable financially and it’s proven that drivers who are married file infrequent claims.

Tailor your insurance coverage to you

When buying coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions might help in determining whether your personal situation might need professional guidance.

  • Are my friends covered when driving my 1991 Volkswagen Cabriolet?
  • What is the difference between comprehensive and collision coverage?
  • When should I not file a claim?
  • What are the financial responsibility laws in my state?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do all my vehicles need collision coverage?
  • Am I covered when driving a rental car?
  • Should I buy only the required minimum liability coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Are you falling for claims of savings?

Respected companies like State Farm, Allstate and Geico seem to constantly run ads on TV and radio. They all make the point that you can save just by moving your coverage. It sounds good, but how can they all charge less that you’re paying now? Just pay attention to how they say it.

Insurance companies require specific criteria for the right customer that makes them money. One example of a desirable insured might be described as between the ages of 40 and 55, has a clear driving record, and has great credit. Any customer that fits those parameters receives the best prices and will also save quite a bit of money when switching.

Drivers who don’t qualify for this stringent profile may receive higher rates and this results in the prospect going elsewhere. The trick companies use is to say “customers who switch” but not “everyone who gets a quote” save money. This is how companies can state the savings. This really emphasizes why drivers must compare as many free car insurance quotes as you can. It is just not possible to predict which insurance coverage company will be your best fit.

Specific coverage details

Learning about specific coverages of a insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most insurance policies.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like damaging your car on a curb, sideswiping another vehicle, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like nursing services, dental work, doctor visits, funeral costs and pain medications. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Liability

Liability insurance protects you from damage that occurs to other’s property or people that is your fault. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like repair bills for other people’s vehicles, funeral expenses, loss of income, bail bonds and attorney fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, a tree branch falling on your vehicle, hitting a bird and theft. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Affordable insurance is out there

We just presented a lot of information how to shop for 1991 Volkswagen Cabriolet insurance online. It’s most important to understand that the more quotes you get, the better your chances of lowering your car insurance rates. You may even find the lowest rates are with some of the smallest insurance companies. Some small companies may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.

As you quote car insurance, it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped liability coverage limits only to discover later that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

More detailed auto insurance information can be found in the articles below: