View 1999 Volkswagen EuroVan Insurance Rates

Are you tired of robbing Peter to pay Paul to buy car insurance? You have the same problem as most other vehicle owners. Insurance companies such as Geico, 21st Century and Progressive constantly bombard you with advertising and it is difficult to not get sucked in by the cute commercials and take the time to shop coverage around.

If you are insured now or need a new policy, you can use this information to find the best rates while maximizing coverage. Finding affordable coverage is quite easy. Drivers only need an understanding of the proper methods to shop for insurance online.

Don’t miss with these discounts

Auto insurance companies don’t always advertise every policy discount very clearly, so the following list contains a few of the more common as well as some of the hidden discounts you could be receiving when you buy car insurance online. If you are not receiving all the discounts you deserve, you may be paying too high a price.

  • Accident Free – Drivers who don’t have accidents are rewarded with significantly better rates on car insurance quote compared to policyholders that have many claims.
  • Bundle and Save – If you can bundle your auto and homeowners insurance and place coverage with the same company you may earn up to 20% off your total premium.
  • Online Discount – Many larger companies will give you a small discount for buying your policy on their website.
  • Safety Course Discount – Completing a course that instructs on driving safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Sign Early and Save – A few insurance companies allow discounts for buying a new policy early. You may see this discount when you get car insurance quotes online.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Senior Citizen Rates – Mature drivers may be able to get lower premium rates for Eurovan coverage.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and that can save you a little bit as well.

Consumers should know that most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Companies and a summarized list of policyholder discounts are outlined below.

  • Farmers Insurance discounts include business and professional, electronic funds transfer, early shopping, alternative fuel, youthful driver, multi-car, and pay in full.
  • Esurance has discounts for safety device, Switch & Save, multi-policy, Pac-12 alumni, and multi-car.
  • State Farm may have discounts that include Steer Clear safe driver discount, anti-theft, safe vehicle, good driver, good student, and multiple autos.
  • Geico offers discounts for seat belt use, good student, federal employee, air bags, and emergency military deployment.
  • Allstate includes discounts for good payer, 55 and retired, multi-policy, premier discount, safe driver, and resident student.

When comparing rates, check with every prospective company which discounts they offer. Savings might not be available to policyholders in your area.

Your situation helps dictate your coverage

When choosing proper insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions can help discover if your situation might need an agent’s assistance.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • If my 1999 Volkswagen EuroVan is totaled, can I afford another vehicle?
  • What is roadside assistance coverage?
  • Does medical payments coverage apply to all occupants?
  • Does my insurance cover a custom paint job?
  • Which companies will insure high-risk drivers?
  • How much underlying liability do I need for an umbrella policy?
  • Is my dog or cat covered if injured in an accident?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Advertising and auto insurance

Consumers can’t avoid all the ads that promise big savings from companies such as Geico, State Farm and Progressive. All the companies advertise claims that you’ll save big just by moving to their company.

But how can every company have lower policy pricing? It’s all in the numbers.

Most companies provide the lowest rates for the type of driver that will not have excessive claims. For example, a profitable customer may be over age 30, has never had a claim, and drives a car with an anti-theft system. A driver who matches those parameters will probably get the lowest car insurance rates and will probably save when they switch companies.

Potential customers who fall outside those criteria may be forced to pay higher premium rates which usually ends up with the customer not buying. The trick is to say “people who switch” but not “everyone who gets a quote” save the amount stated. That is how companies can truthfully make those claims.

Because every company is different, it is so important to get a wide range of price quotes. Because you never know which company will provide you with the cheapest premium rates.

Insurance coverage specifics

Understanding the coverages of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages available from insurance companies.

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like scraping a guard rail, crashing into a ditch, colliding with a tree, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision – This pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, a broken windshield, fire damage and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance – Coverage for medical payments and/or PIP pay for expenses for nursing services, doctor visits, X-ray expenses, pain medications and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1999 Volkswagen EuroVan.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability car insurance – This coverage provides protection from injuries or damage you cause to other people or property in an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like repair costs for stationary objects, emergency aid, repair bills for other people’s vehicles, pain and suffering and court costs. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

The best insurance company isn’t always the cheapest

We covered a lot of techniques to save on 1999 Volkswagen EuroVan insurance. The most important thing to understand is the more you quote car insurance, the better your comparison will be. Consumers may even find the biggest savings come from a smaller regional carrier. These smaller insurers can often provide lower premium rates in certain areas as compared to the big name companies such as Allstate, Geico and Progressive.

Low-cost 1999 Volkswagen EuroVan insurance can be purchased both online as well as from insurance agents, so you need to shop car insurance with both to get a complete price analysis. Some insurance providers may not have the ability to get quotes online and most of the time these regional carriers provide coverage only through independent insurance agents.

More detailed insurance information can be found at these sites: