1998 Volkswagen Cabrio Insurance Quotes – 6 Tricks for Best Rates

Scraping up a payment for overpriced Volkswagen Cabrio insurance can draw down your budget and maybe even restrict other spending. Price shopping at each renewal can lower your rates and help to make ends meet.

Companies like Progressive, Geico and Farmers Insurance constantly blast consumers with advertising and consumers find it hard to sift through the bull and find the best price available.

If you have insurance now or need a new policy, you can use these tips to find better prices and still get good coverage. Choosing the best insurance company for you is not that difficult. Drivers only need an understanding of the most efficient way to shop their coverage around on the web.

Drivers save money with these six discounts

Companies offering auto insurance don’t necessarily list every disount available very clearly, so below is a list a few of the more well known and also the lesser-known credits available to you.

  • Onboard Data Collection – Policyholders that allow data collection to spy on where and when they drive remotely like Allstate’s Drivewise may get a rate reduction if they are good drivers.
  • Good Grades Discount – A discount for being a good student can be rewarded with saving of up to 25%. Most companies allow this discount up to age 25.
  • Multiple Policy Discount – If you can bundle your auto and home insurance and place coverage with the same company you could get a discount of over 10 percent off each policy depending on the company.
  • Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive so you can save 10 percent or more.
  • Good Driver Discounts – Drivers without accidents can pay as much as 50% less for Cabrio insurance than drivers with accident claims.
  • Government Employee Discount – Active or former government employment could qualify for a slight premium decrease for Cabrio insurance but check with your company.

Discounts save money, but please remember that some credits don’t apply to the overall cost of the policy. Some only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will help lower the premium cost.

A few popular companies and a partial list of their discounts are included below.

  • Geico policyholders can earn discounts including multi-vehicle, federal employee, multi-policy, seat belt use, driver training, and membership and employees.
  • Travelers discounts include home ownership, hybrid/electric vehicle, driver training, payment discounts, save driver, and new car.
  • Nationwide offers premium reductions for Farm Bureau membership, easy pay, multi-policy, anti-theft, good student, defensive driving, and family plan.
  • Farmers Insurance offers discounts for good student, pay in full, switch companies, electronic funds transfer, bundle discounts, distant student, and homeowner.
  • Esurance includes discounts for online shopper, multi-policy, claim free, online quote, renters, good student, and multi-car.
  • State Farm has savings for accident-free, safe vehicle, multiple autos, student away at school, and Drive Safe & Save.
  • Progressive may have discounts that include good student, online quote discount, continuous coverage, multi-vehicle, and homeowner.
  • Mercury Insurance may include discounts for multi-policy, ease of repair, annual mileage, accident-free, and low natural disaster claims.

Check with every insurance company which discounts they offer. Some discounts listed above may not apply to policyholders in your state.

Compare car insurance quotes online

Many insurance companies make it easy to get price estimates on the web. Doing online quotes is pretty painless because it’s just a matter of typing in the amount of coverage you want into the quote form. After you complete the form, their system will order your driving record and credit report and quotes a price based on many factors. Online price estimates makes comparing rates easy, but the work required to visit a lot of sites and type in the same information can be a bit tiresome and repetitive. But it’s also necessary to compare as many rates as possible in order to get the best price possible.

There is an easier way!

A more efficient way to get multiple rate quotes uses one simple form that gets price quotes from many companies. The form is fast, requires less work, and makes online shopping much easier to do. As soon as the form is sent, it is quoted and you can choose any of the pricing results. If you find a better price you simply finish the application and purchase the new policy. This process can be completed in less than 10 minutes and may result in a nice savings.

To find out how much you’re overpaying now, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you type in the coverages exactly as they are listed on your policy. This ensures you will have rate comparison quotes based on identical coverages.

Special considerations

When it comes to choosing proper insurance coverage, there really is no best way to insure your cars. Every situation is different so this has to be addressed. Here are some questions about coverages that can help discover if your situation could use an agent’s help.

  • What companies insure drivers after a DUI or DWI?
  • Do I pay less if my vehicle is kept in my garage?
  • When do I need to add a new car to my policy?
  • If my 1998 Volkswagen Cabrio is totaled, can I afford another vehicle?
  • Is my camper covered by my car insurance policy?
  • Are rental cars covered under my policy?
  • Can my teen driver be rated on a liability-only vehicle?
  • Who is covered when they drive my 1998 Volkswagen Cabrio?
  • When can my company non-renew my policy?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage specifics

Learning about specific coverages of insurance can help you determine the best coverages for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by insurance companies.

Liability car insurance

Liability insurance will cover damage or injury you incur to other’s property or people by causing an accident. 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. Your policy might show 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.

Liability can pay for things such as legal defense fees, loss of income and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, a tree branch falling on your vehicle and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

This pays to fix your vehicle from damage from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sustaining damage from a pot hole, sideswiping another vehicle, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that 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.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like EMT expenses, chiropractic care, doctor visits and funeral costs. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Have money to burn

When trying to cut insurance costs, it’s not a good idea to reduce needed coverages to save money. There are too many instances where drivers have reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy the best coverage you can find at a price you can afford while still protecting your assets.

We just presented many ideas to compare 1998 Volkswagen Cabrio insurance premium rates online. The key concept to understand is the more companies you get prices for, the better your comparison will be. You may be surprised to find that the biggest savings come from some of the smallest insurance companies. They often have lower prices on specific markets compared to the large companies like Progressive or Geico.

Cheaper 1998 Volkswagen Cabrio insurance is possible online as well as from independent agents, and you should compare rates from both to have the best rate selection. Some insurance companies don’t offer internet price quotes and usually these small insurance companies only sell through independent agencies.

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