Compare 1993 Volkswagen Cabriolet Car Insurance Quotes

Looking for lower car insurance rates for your Volkswagen Cabriolet? Did you make the mistake of buying overpriced car insurance? Don’t sweat it because many consumers are feeling buyer’s remorse and feel like there’s no way out.

There is such a variety of insurers to buy insurance from, and though it is a good thing to have a selection, it can be more difficult to find the lowest rates.

First Step: Get free auto insurance quotes

To find the best auto insurance quotes, there are several ways to compare prices from local auto insurance companies. The fastest way to lower the rate you pay for 1993 Volkswagen Cabriolet insurance is to perform an online rate comparison. This can be accomplished in a couple of different ways.

Hands down the most simple method to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This type of form prevents you from having to do multiple quote forms for every auto insurance company. A single, simple form compares rates from many national carriers.

A slightly less efficient method to shop for auto insurance online consists of going to each company’s website and get a separate price quote. For sake of this example, we’ll pretend you need rates from Progressive, 21st Century and Farmers. To find out each rate you need to take the time to go to each site to input your insurance information, which is not fast way to get rate quotes. For a list of links to companies insuring cars in your area, click here.

The hardest method to compare rates is to spend your day driving to different agent offices. Buying insurance online has reduced the need for local agents unless you want the professional advice only provided by licensed agents. Although you can get prices online but still have the advice of a local agent.

Whichever way you use, do your best to use the same coverages and limits on every quote. If the quotes have higher or lower deductibles you can’t possibly make a fair rate comparison. Just slight variations in insurance coverages may result in large price differences. And when quoting auto insurance, remember that comparing more rates from different companies helps you find more affordable insurance. Some insurance companies are not set up to provide online quotes, so you need to compare price estimates from those companies as well.

Pay discount rates these discounts

Car insurance companies don’t always list every policy discount very well, so the following is a list of some of the more common as well as some of the hidden credits available to you. If they aren’t giving you every credit available, you could be getting lower rates.

  • Service Members Pay Less – Being deployed with a military unit could qualify you for better insurance rates.
  • Professional Memberships – Being a member of certain professional organizations could trigger savings on your next insurance statement.
  • Renewal Discounts – A few companies give discounts for switching companies before your current expiration date. The savings is around 10%.
  • Own a Home – Being a homeowner may trigger a policy discount on insurance because maintaining a house requires personal responsibility.
  • Anti-lock Brake System – Cars and trucks that have anti-lock braking systems are much safer to drive so you can save 10 percent or more.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you can avoid monthly service charges.
  • Discount for Multiple Policies – If you can combine your auto and home policy with the same company you may earn approximately 10% to 15%.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class if it’s offered in school.

As a sidenote, some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

A few of the larger companies and some of the discounts are included below.

  • Geico has discounts for defensive driver, five-year accident-free, anti-theft, emergency military deployment, seat belt use, and federal employee.
  • Travelers may have discounts that include home ownership, multi-policy, early quote, save driver, student away at school, and payment discounts.
  • Nationwide offers discounts including family plan, defensive driving, anti-theft, business or organization, easy pay, good student, and multi-policy.
  • Farmers Insurance includes discounts for mature driver, pay in full, bundle discounts, good student, youthful driver, and homeowner.
  • Esurance discounts include online shopper, DriveSense, multi-policy, good student, paid-in-full, Pac-12 alumni, and defensive driver.
  • State Farm policyholders can earn discounts including student away at school, good student, accident-free, anti-theft, safe vehicle, and Drive Safe & Save.
  • Progressive may include discounts for online quote discount, multi-policy, continuous coverage, online signing, good student, and homeowner.
  • Mercury Insurance offers premium reductions for low natural disaster claims, annual mileage, professional/association, good driver, type of vehicle, and age of vehicle.

If you are trying to find affordable auto insurance quotes, ask all the companies how you can save money. All car insurance discounts may not be offered in your area. To see a list of insurers who offer cheap insurance quotes, follow this link.

Special considerations

When choosing the best auto insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions might help in determining if you could use an agent’s help.

  • Should I rate my 1993 Volkswagen Cabriolet as pleasure use or commute?
  • Is my ex-spouse still covered by my policy?
  • Are my friends covered when driving my car?
  • What can I do if my company denied a claim?
  • Will my rates increase for filing one claim?
  • Should I carry comprehensive and collision coverage?
  • What happens if I owe more than my 1993 Volkswagen Cabriolet is worth?
  • Can I afford to pay high deductible claims out of pocket?
  • How much liability do I need to cover my assets?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

How car insurance companies calculate Volkswagen Cabriolet insurance prices

Part of the insurance coverage buying process is learning some of the things that play a part in calculating the price you pay for insurance coverage. When you understand what controls the rates you pay, this allows you to make good choices that may reward you with much lower annual insurance costs.

Shown below are some of the things used by your company to calculate rates.

  • Policy lapses lead to higher premiums – Driving without insurance can get your license suspended and your next policy will cost more because you let your coverage have a gap. Not only will you pay more, being ticketed for driving with no insurance could result in fines and jail time. You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • High premiums for youthful drivers – Mature drivers are more responsible, are lower risk to insure and tend to be get fewer driving tickets.Beginning drivers are statistically proven to get distracted easily when behind the wheel therefore insurance coverage rates are much higher.
  • Discounts for multiple policies – Most major insurance companies will give better rates for people that have more than one policy, otherwise known as a multi-policy discount. Even with this discount, drivers will still want to compare other company rates to ensure the best deal.
  • Five star NHTSA crash test rating saves money – Vehicles with high crash test scores cost less to insure. The safest vehicles reduce occupant injuries and fewer serious injuries means less claims paid which can mean better rates for you. If the Volkswagen Cabriolet has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
  • More traffic equals higher premiums – Living in areas with lower population is a positive aspect when buying insurance coverage. Less people living in that area means a lower chance of having an accident and lower theft and vandalism rates. Urban drivers have traffic congestion and more time behind the wheel. More time on the road means more chance of being in an accident.

Insurance coverage ads are enticing

Popular insurance coverage providers such as State Farm, Geico and Progressive regularly use television and radio advertisements. All the ads try to convey promises about savings if you change your coverage to them. How does every company charge you less for car insurance? It’s all in the words they use.

All companies give the cheapest rates for the driver that will not have excessive claims. For example, this type of insured could be a female over age 40, owns their home, and drives a vehicle with a low ISO rating. Any driver that matches those criteria will most likely get cheap rates and have a good chance to pay quite a bit less when switching companies.

People who do not fit the ideal profile may be forced to pay higher premium rates which leads to the customer buying from someone else. If you listen to the ad wording, they say “drivers that switch” not “all people who quote” save that kind of money. That’s the way insurance companies can make claims like that.

This really emphasizes why drivers should compare price quotes frequently. It’s just not possible to know the company that will have the best prices at this point in time.

Insurance coverage considerations

Having a good grasp of insurance helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages found on most insurance policies.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like chiropractic care, nursing services, prosthetic devices and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Collision coverages – This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, rolling your car, driving through your garage door, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability coverage – Liability coverage will cover damage that occurs to a person or their property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for 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. As an example, you may have limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as emergency aid, pain and suffering and medical services. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 1993 Volkswagen Cabriolet.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Comprehensive auto coverage – This covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, a tree branch falling on your vehicle and hitting a deer. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Be a penny pincher

Discount 1993 Volkswagen Cabriolet insurance is available from both online companies and also from your neighborhood agents, so get free auto insurance quotes from both of them to have the best selection. There are still a few companies who don’t offer rate quotes online and many times these smaller providers work with local independent agents.

You just learned a lot of information how to get a better price on 1993 Volkswagen Cabriolet insurance. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest prices are with some of the lesser-known companies. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.

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