Compare 2002 Volkswagen EuroVan Insurance Quotes

Searching for cheaper insurance rates for your Volkswagen EuroVan? If you are new to online insurance, chances are good that you are bewildered of insurance companies competing for business.

Affordable insurance coverage price quotes online

There are several ways you can shop for insurance coverage but there is one way that is easier and takes less work. You could waste a few hours discussing policy coverages with agents in your area, or you can stay home and use online quotes to get prices fast.

Most major companies participate in an industry program where prospective buyers only type in their quote data once, and each company then returns a price quote. This eliminates the need for quotation requests for every insurance coverage company.

To participate in this free quote system, click here (opens in new window).

The one disadvantage to using this type of form is you don’t know exactly the providers you will receive quotes from. If you prefer to choose specific providers to compare, we put together a list of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

Compare rates however you want, just make sure you compare nearly identical information on every price quote you get. If the quotes have mixed coverages it will be very difficult to make an equal comparison. Having just a slight variation in coverage limits may result in a large different in cost. Keep in mind that obtaining a wide range of quotes provides better odds of finding better pricing. Some insurance companies are not set up to provide price estimates online, so it’s recommended that you also compare prices from the smaller companies as well.

What is the best insurance coverage?

When buying coverage, there really is no cookie cutter policy. Every situation is different.

For instance, these questions can aid in determining whether your personal situation might need professional guidance.

  • Is my 2002 Volkswagen EuroVan covered for smoke damage?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my babysitter covered when using my vehicle?
  • Do I need an umbrella policy?
  • Do I need higher collision deductibles?
  • Am I covered when driving a rental car?
  • Do I need rental car coverage?
  • Does having multiple vehicles earn me a discount?
  • Do I need roadside assistance coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Coverage specifics

Having a good grasp of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Comprehensive insurance – This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, fire damage, vandalism, damage from flooding and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants 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.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability – This can cover damage that occurs to other’s property or people. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair bills for other people’s vehicles, funeral expenses and emergency aid. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Collision coverages – This covers damage to your EuroVan caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sustaining damage from a pot hole, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for nursing services, hospital visits and funeral costs. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage