View 1999 Volkswagen Cabrio Insurance Quotes

Are you kicking yourself for buying overpriced insurance? Say no more because many consumers are in the same pinch. Insurance companies such as Geico, 21st Century and Progressive all claim big savings, bombarding you with fancy advertisements and it is difficult to ignore the propoganda and find the best price available.

How to shop insurance online

There are several ways to compare insurance quotes, and some are less time-consuming than others. You can spend countless hours driving to agents in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Most major companies participate in a marketplace that enables customers to enter their coverage request one time, and at least one company then gives them pricing based on that information. This system prevents you from having to do quote forms for every insurance company.

To compare rates now click here to open in new window.

The one downside to pricing coverage this way is that you can’t choose which insurance companies to receive prices from. So if you prefer to choose from a list of companies to compare prices, we put together a list of the cheapest insurance companies in your area. Click here to view list.

It’s up to you which method you use, but ensure you’re using the exact same coverages and limits for every quote you compare. If you are comparing different coverage information it’s not possible to determine the lowest rate for your Volkswagen Cabrio.

Do drivers who switch really save?

Consumers can’t escape the ads for cheaper insurance coverage from the likes of State Farm, Allstate and Geico. They all try to convey promises that you can save just by moving to their company.

Is it even possible that every company can charge you less for car insurance? This is how they do it.

All the different companies offer their best rates for the type of driver that will not have excessive claims. For example, a profitable insured could be over age 30, has a clear driving record, and has great credit. Anyone who matches those parameters will probably get cheap rates and have a good chance to save a lot if they switch.

Insureds who are not a match for these criteria will see a higher premium which usually ends up with the driver buying from a lower-cost company. The wording the ads use say “drivers that switch” not “all people who quote” save money. That’s the way insurance companies can make claims like that.

Because of these techniques, you need to do a rate comparison at every renewal. It is impossible to predict with any certainty which company will have better premium rates than you’re paying now.

Cut your car insurance rates with discounts

Not too many consumers would say car insurance is affordable, but there could be significant discounts that many people don’t even know exist. A few discounts will automatically apply when you complete an application, but once in a while a discount must be asked for prior to receiving the credit.

  • Renewal Discounts – Some car insurance companies give discounts for switching policies before your current policy expires. This discount can save up to 10%.
  • Discounts for Cautious Drivers – Drivers without accidents may save up to 50% more for Cabrio insurance than drivers with accidents.
  • Data Collection Discounts – Drivers who agree to allow driving data submission to spy on where and when they drive by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates as long as the data is positive.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of more than 20%.
  • Bundle and Save – If you combine your auto and homeowners policies with the same company you could get a discount of at least 10 to 15 percent or more.
  • Distant Student – living away from home attending college and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Homeowners Pay Less – Being a homeowner may trigger a policy discount on car insurance due to the fact that maintaining a home shows financial diligence.

Don’t be surprised that most discount credits are not given the the whole policy. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

The best car insurance companies and their possible discounts are included below.

  • State Farm offers discounts including Drive Safe & Save, multiple autos, driver’s education, anti-theft, defensive driving training, good driver, and passive restraint.
  • Farmers Insurance offers premium reductions for good student, mature driver, switch companies, multi-car, bundle discounts, and business and professional.
  • Geico may have discounts that include military active duty, air bags, multi-vehicle, driver training, and membership and employees.
  • American Family may offer discounts for early bird, mySafetyValet, multi-vehicle, good student, good driver, and defensive driver.
  • Nationwide has discounts for family plan, anti-theft, business or organization, accident-free, easy pay, and Farm Bureau membership.
  • Progressive has savings for multi-vehicle, online signing, multi-policy, homeowner, and good student.

When comparing rates, check with each company what discounts are available to you. Depending on the company, some discounts may not be offered in your area. To find insurance companies that have a full spectrum of discounts, click this link.

You are unique and your insurance coverage should be too

When buying proper insurance coverage, there really is not a perfect coverage plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that might point out if you will benefit from professional help.

  • What is the difference between comprehensive and collision coverage?
  • Can I afford to buy a different vehicle if my 1999 Volkswagen Cabrio is totaled?
  • What are the financial responsibility laws in my state?
  • What companies insure drivers after a DUI or DWI?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Can my teen drive my company car?
  • Do I need added coverage for expensive stereo equipment?
  • Does my car insurance cover rental cars?
  • What if I total my 1999 Volkswagen Cabrio and owe more than it’s worth?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Insurance coverages and their meanings

Learning about specific coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average insurance policy.

Protection from uninsured/underinsured drivers – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that 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 should not be overlooked. Usually these coverages are set the same as your liablity limits.

Medical expense insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like doctor visits, pain medications and dental work. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as theft, rock chips in glass and a broken windshield. The most 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.

Coverage for liability – This protects you from damage that occurs to a person or their property. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as legal defense fees, repair costs for stationary objects, structural damage and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – Collision insurance pays for damage to your Cabrio caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as rolling your car, hitting a mailbox, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Final thoughts

Throughout this article, we presented some good ideas how you can save on 1999 Volkswagen Cabrio insurance. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding affordable insurance. Consumers may even find the best price on insurance coverage is with an unexpected company. Smaller companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate, Geico and Progressive.

When trying to cut insurance costs, it’s not a good idea to reduce coverage to reduce premium. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

More detailed insurance coverage information can be found in these articles: