View 1996 Volkswagen Cabrio Insurance Quotes

Want lower insurance rates for your Volkswagen Cabrio? When searching for cheaper insurance, do you get overwhelmed by the number of insurance sources available to you? You’re not alone. You have such a large number of options that it can quickly become a real hassle to find a more affordable company.

Smart consumers know how to quote insurance coverage cheaper

Lots of factors are part of the calculation when pricing auto insurance. Some factors are common sense such as traffic violations, but some are more obscure such as your marital status or your commute time.

  • Careless driving leads to higher prices – Your driving citation history has a huge affect on how much you pay. Even a single citation may increase your cost substantially. Good drivers receive lower rates than people who have multiple driving citations. People who have careless citations like reckless driving, hit and run or driving under the influence are required to complete a SR-22 with their state’s licensing department in order to legally drive a vehicle.
  • Vehicles with better crash test results mean better prices – Cars with five star safety ratings tend to have lower insurance rates. Safer cars reduce injuries and fewer injuries translates directly to fewer claims and more competitive rates for policyholders.
  • Single drivers take more risk – Having a significant other can get you a discount compared to being single. It is viewed as being more financially stable and statistics prove drivers who are married file infrequent claims.
  • Lower stress equals lower prices – Occupational choices like fire fightersair traffic controllers and miners usually pay higher rates than the rest of us in part from intense work situations and long work hours. On the other hand, occupations such as farmers, engineers and performers have lower than average premiums on Cabrio insurance.
  • Responsible credit scores equal low prices – Credit rating can be a huge factor in your rate calculation. If your credit can use some improvement, you could save money insuring your 1996 Volkswagen Cabrio by repairing your credit. People with good credit tend to be better drivers and file fewer claims as compared to drivers with poor credit scores.

Are you earning every discount?

Companies offering auto insurance do not advertise all available discounts very well, so the following list contains a few of the more well known and also the lesser-known credits available to lower your premiums when you buy insurance online. If you do not double check each discount available, you are not getting the best rate possible.

  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates on Cabrio insurance than drivers with accidents.
  • Student Driver Training – It’s a good idea to have your young drivers enroll in driver’s education in high school.
  • One Accident Forgiven – This one isn’t a discount, but a few companies such as State Farm and Allstate may permit one accident before hitting you with a surcharge so long as you haven’t had any claims before the accident.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you could earn a discount of nearly 15% which can help you find low cost insurance.
  • Own a Home and Save – Just being a homeowner can earn you a little savings since owning and maintaining a home is proof of financial responsibility.
  • Professional Organizations – Affiliation with specific professional or occupational memberships or organizations can get you a small discount on your next auto insurance statement.
  • ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive and will save you 10% or more.

You should keep in mind that most credits do not apply to the entire policy premium. Most only reduce individual premiums such as collision or personal injury protection. So even though you would think all those discounts means the company will pay you, it’s just not the way it works.

If you would like to choose from a list of providers that offer many of these discounts, click here to view.

When in doubt talk to an agent

When choosing the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions might point out whether your personal situation might need an agent’s assistance.

  • What discounts do I qualify for?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered if I crash into my own garage door?
  • Is my state a no-fault state?
  • Why does it cost so much to insure a teen driver?
  • Will I lose any money if I cancel my policy before it expires?
  • I have a DUI can I still get coverage?
  • Should I carry comprehensive and collision coverage?
  • Who is covered when they drive my 1996 Volkswagen Cabrio?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Specific coverages for a Volkswagen Cabrio

Understanding the coverages of a auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things like sustaining damage from a pot hole, damaging your car on a curb, rolling your car, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, theft, damage from flooding and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical expenses

Med pay and PIP coverage kick in for immediate expenses such as rehabilitation expenses, nursing services and ambulance fees. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance

This provides protection from damage or injury you incur to other people or property. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as funeral expenses, repair costs for stationary objects, medical expenses, pain and suffering and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Volkswagen Cabrio.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Don’t be a big spender

As you go through the steps to switch your coverage, don’t be tempted to reduce coverage to reduce premium. There have been many situations where an insured cut uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your goal is to purchase plenty of coverage at the best possible price, but do not sacrifice coverage to save money.

We’ve covered a lot of techniques to compare 1996 Volkswagen Cabrio insurance premium rates online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may even discover the lowest premium rates are with some of the lesser-known companies.

Cheap 1996 Volkswagen Cabrio insurance can be sourced both online and from local agencies, so get free insurance quotes from both of them to have the best chance of lowering rates. A few companies may not have rate quotes online and most of the time these small insurance companies only sell through local independent agents.

Additional detailed information can be read in the articles below: