2008 Volkswagen Rabbit Car Insurance Rates

Searching for cheaper insurance rates for your Volkswagen Rabbit? No one looks forward to buying insurance, especially when they know the cost is too high. Consumers have many insurers to choose from, and though it is a good thing to have a selection, so many choices can make it hard to compare company pricing.

Verify you’re applying every discount

Insurance is not an enjoyable expense, but you may find discounts that could drop your premiums quite a bit. Some discounts will apply at the time you complete a quote, but a few must be asked about in order for you to get them.

  • Safe Driver Discounts – Safe drivers can get discounts for up to 45% lower rates for Rabbit insurance than drivers with accident claims.
  • Paperwork-free – A few companies will give you a small discount for buying your policy on your computer.
  • Professional Memberships – Having an affiliation with a professional or civic organization could qualify you for a break on your policy.
  • Anti-lock Brake Discount – Vehicles that have anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Passenger Safety Discount – Options like air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
  • Use Seat Belts – Drivers who require all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.

Please keep in mind that most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, companies don’t profit that way.

A few popular companies and a partial list of their discounts can be found below.

  • State Farm offers discounts for Drive Safe & Save, passive restraint, good driver, Steer Clear safe driver discount, and accident-free.
  • American Family policyholders can earn discounts including mySafetyValet, Steer into Savings, accident-free, multi-vehicle, defensive driver, and TimeAway discount.
  • Geico discounts include anti-theft, membership and employees, multi-vehicle, daytime running lights, multi-policy, driver training, and seat belt use.
  • 21st Century has discounts for homeowners, air bags, student driver, good student, and driver training.
  • Progressive offers premium reductions for good student, homeowner, online quote discount, continuous coverage, multi-policy, and online signing.

Double check with each insurance company to give you their best rates. Discounts might not apply in your area. For a list of insurance companies who offer online insurance quotes, follow this link.

What affects Volkswagen Rabbit insurance costs?

Lots of things are part of the calculation when you quote your car insurance policy. Most are fairly basic like your driving record, although others are not as apparent like your continuous coverage or how safe your car is.An important part of buying insurance is that you know the factors that come into play when calculating your premiums. If you understand what determines base rates, this allows you to make good choices that can help you get better car insurance rates.

  • Drive lots and pay more – The higher the miles on your Volkswagen every year the higher the price you pay to insure it. A lot of companies rate vehicles based upon how the vehicle is primarily used. Vehicles used primarily for pleasure use receive better premium rates than vehicles that have high annual mileage. Verify your vehicle rating is showing the right rating data, because improper ratings can cost you money. Improper usage on your Rabbit can cost quite a bit.
  • Car and home together may be cheaper – Most larger insurers provide lower prices for people that buy multiple policies in the form of a multi-policy discount. Discounts can be ten percent or more. Even if you already get this discount, it’s still a good idea to compare rates to help guarantee you have the best rates.
  • Liability protection – A critical coverage on your policy, liability insurance will protect you if a court rules you are at fault for damages from an accident. Liability insurance provides for a legal defense to defend your case. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Being married pays dividends – Having a wife or husband helps lower the price on car insurance. Marriage demonstrates that you tend to be more mature than a single person and insurance companies reward insureds because drivers who are married file infrequent claims.
  • Raising physical damage deductibles lowers rates – Your deductibles define how much you are willing to pay if a covered claim is submitted. Physical damage protection, also known as collision and other-than-collision, is used to repair damage to your car. Examples of covered claims are colliding with a stationary object, damage from fire, or theft of your vehicle. The more expense you pay before a claim is paid (deductible), the less your car insurance will be for Rabbit insurance.
  • Certain vocations raise rates – Jobs such as military generals, architects and emergency personnel tend to have the highest rates due to high stress and lots of time spent at work. On the flip side, careers such as actors, athletes and homemakers pay the least for Rabbit insurance.
  • Rates and your address – Choosing to live in small towns and rural areas may provide you with better prices when it comes to car insurance. Drivers who live in large cities tend to have more aggressive driving styles and higher rates of accident claims. Lower population means fewer accidents as well as less vandalism and auto theft.
  • Maintain car insurance coverage – Having an insurance coverage lapse will be a sure-fire way to increase your renewal premiums. And not only will insurance be more expensive, getting caught without coverage will get you fines and jail time.

When should I discuss my situation with an agent?

When it comes to choosing proper insurance coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions might help in determining whether or not you might need professional guidance.

  • Are my friends covered when driving my 2008 Volkswagen Rabbit?
  • When do I need to add a new car to my policy?
  • When would I need rental car insurance?
  • Do I benefit by insuring my home with the same company?
  • I have health insurance so do I need medical payments coverage?
  • Are my friends covered when driving my car?
  • What is medical payments coverage?
  • Does medical payments coverage apply to all occupants?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from 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.

The largest companies are not always cheapest

Consumers can’t get away from ads that claim the best prices by companies like Allstate, Geico and Progressive. All the ads say the same thing that drivers can save some big amount after switching your policy.

How is it plausible that every one can claim to save you money? Here is how they do it.

Auto insurance companies offer their best rates for the type of driver that earns them the most money. For instance, this type of insured might be described as a mature driver, owns their home, and has a short commute. A customer that matches those criteria will get low rates and will save when they switch companies.

Potential customers who fall outside the requirements must pay higher prices and this can result in the customer buying from someone else. The ads state “customers that switch” not “everyone who quotes” save the amount stated. This is how companies can truthfully lure you into getting a quote. This really illustrates why drivers should get a wide range of price quotes. You cannot predict which auto insurance company will fit you best based on your risk profile.

Parts of your insurance policy

Having a good grasp of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages available from insurance companies.

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a deer, hitting a bird, a tree branch falling on your vehicle, damage from getting keyed and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage protection

Collision coverage covers damage to your Rabbit resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with another moving vehicle, sustaining damage from a pot hole, backing into a parked car, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills such as surgery, X-ray expenses and chiropractic care. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverages

Liability insurance can cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as medical expenses, funeral expenses, bail bonds, loss of income and court costs. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of 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 a good idea.

Be a smart shopper

We just presented many tips how you can reduce 2008 Volkswagen Rabbit insurance premium rates online. It’s most important to understand that the more you quote auto insurance, the higher your chance of finding low cost auto insurance. Consumers may even find the best premium rates are with a small mutual company. These companies often have lower prices on specific markets compared to the large companies like State Farm, Geico and Nationwide.

As you go through the steps to switch your coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, someone dropped uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage at the best price but still have enough coverage for asset protection.

Additional auto insurance information is located at the links below