Compare 2009 Volkswagen Rabbit Car Insurance Rates

Vehicle owners fed up with high insurance rates and are new to buying insurance coverage online can find locating cheap car insurance to be a formidable task.

Smart consumers take time to do rate comparisons before your next renewal because insurance prices trend upward over time. Even if you think you had the best price on Rabbit insurance last year you can probably find a lower rate today. Ignore everything you know about insurance because we’re going to demonstrate how to quote online to lower your rates without sacrificing coverage.

Finding the best rates is quite easy. Essentially anyone who is shopping for car insurance will most likely be able to lower their premiums. But consumers must know how the larger insurance companies price insurance differently.

Shop insurance online

Performing a rate comparison can be exhausting if you don’t know the most efficient way. You could waste time discussing policy coverages with insurance companies in your area, or you could save time and use the web to get rates in a matter of minutes.

Many of the larger companies are enrolled in a marketplace where prospective buyers complete one form, and each participating company can provide price quotes determined by their information. This system prevents you from having to do repetitive form submissions to every company. To submit your quote information now, click here (opens in new window).

The one downside to using this type of form is that consumers can’t choose the insurers you want to price. If you prefer to choose specific insurance companies to compare prices, we have a listing of low cost insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but try to keep the same coverage data on every quote. If you enter different liability limits you can’t possibly make an equal comparison. Slightly different insurance coverages or limits may result in large price differences. It’s important to know that making a lot of price comparisons will enable you to find a lower rate than you’re paying now.

Earn discounts to get lower-cost auto insurance quotes

Companies that sell car insurance don’t necessarily list all available discounts very clearly, so we researched both well-publicized and also the lesser-known savings tricks you should be using when you buy car insurance online.

  • Multiple Vehicles – Drivers who insure more than one vehicle on a single policy can get a discount for every vehicle.
  • Active Military Service – Having a deployed family member may qualify for rate reductions.
  • Low Mileage Discounts – Driving fewer miles can earn discounted auto insurancerates on garaged vehicles.
  • Homeowners Pay Less – Simply owning a home can save a few bucks because of the fact that having a home demonstrates responsibility.
  • E-sign Discounts – Some of the larger companies will give you a small discount simply for signing over the internet.
  • Student Discounts – Being a good student can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Clubs and Organizations – Participating in a professional or civic organization could earn you a nice discount when shopping for auto insurance.
  • Theft Prevention Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Save with a New Car – Buying insurance on a new vehicle can save you some money due to better safety requirements for newer vehicles.

Policy discounts save money, but most discounts do not apply to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, auto insurance companies aren’t that generous.

Some companies that may offer these benefits include:

When quoting, ask every insurance company to apply every possible discount. Some of the earlier mentioned discounts might not apply everywhere. For a list of insurance companies that have a full spectrum of discounts, click this link.

How to lower your insurance rates

Many things are considered when you get your auto insurance bill. Most are fairly basic like a motor vehicle report, but some are more obscure such as whether you are married or your vehicle rating.

  • Women tend to be lower risk – Over the last 50 years, statistics have shown women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. Both sexes cause accidents at about the same rate, but males have costlier accidents. Not only are claims higher, but men receive more costly citations like DUI and reckless driving.
  • Lower rates by increasing physical damage deductibles – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Examples of some claims that would be covered are colliding with a building, vandalism, and burglary. The deductibles tell how much you are willing to pay out-of-pocket before your car insurance pays a claim. The more money you’re willing to pay, the less money you will pay for car insurance on Rabbit insurance.
  • Get a ticket, pay higher prices – Your driving record has a big impact on rates. Attentive drivers get better prices compared to drivers with tickets. Having just one speeding ticket can increase rates to the point where it’s not affordable. People who have multiple violations like reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to legally drive.
  • Youthful drivers pay high rates – Teen drivers are proven to be less responsible when behind the wheel so car insurance rates are higher. More experienced drivers are shown to be more cautious, cost insurance companies less in claims , and usually have better credit.
  • Fewer miles means better rates – The more you drive every year the more you will pay for car insurance. Many insurance companies rate vehicles based on their usage. Cars and trucks not used for work or commuting receive lower rates than those used for commuting. An improperly rated Rabbit is just wasting money. Verify your car insurance coverage shows annual mileage, because improper ratings can cost you money.
  • Getting married is a bonus – Getting married actually saves money on your policy. Marriage generally demonstrates drivers are more mature and statistics show married drivers tend to have fewer serious accidents.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage for your vehicles, there is no single plan that fits everyone. Every situation is different.

These are some specific questions might help in determining whether you will benefit from professional help.

  • Do I need rental car coverage?
  • Am I getting all the discounts available?
  • Will filing a claim cost me more?
  • Is business property covered if stolen from my car?
  • Does coverage extend to Mexico or Canada?
  • I have health insurance so do I need medical payments coverage?
  • Do I have coverage when pulling a U-Haul trailer?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Be skeptical of insurance ads

Big name companies like Geico, State Farm and Progressive constantly bombard you with ads in print and on television. They all seem to make the point that drivers will save a bundle if you just switch to them. How can each company cost less than your current company? This is how they do it.

Insurance companies quote their best rates for the driver that will not have excessive claims. A good example of a profitable customer might be described as over the age of 50, carries full coverage, and has excellent credit. Anyone who fits those characteristics receive the lowest rate quotes and as a result will probably pay quite a bit less when switching companies.

People who do not match these criteria may be required to pay a higher premium which translates to the customer buying from someone else. The ad wording is “drivers who switch” not “everyone who quotes” save the amount stated. That is how insurance companies can confidently lure you into getting a quote. Because of this risk profiling, you should get car insurance quotes from several different companies. Because you cannot predict which insurance company will give you the biggest savings.

Insurance policy coverages for a Volkswagen Rabbit

Learning about specific coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a parking meter, damaging your car on a curb, crashing into a ditch, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, falling objects and damage from getting keyed. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your Volkswagen Rabbit.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Liability coverage

This provides protection from injuries or damage you cause to a person or their property. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as pain and suffering, structural damage, funeral expenses, medical services and emergency aid. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as nursing services, prosthetic devices, ambulance fees, doctor visits and surgery. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

At the end of the day…

Budget-friendly car insurance is definitely available from both online companies as well as from independent agents, so get free car insurance quotes from both of them in order to have the best chance of saving money. A few companies don’t offer the ability to get quotes online and many times these smaller companies prefer to sell through local independent agents.

In this article, we covered many ideas to compare 2009 Volkswagen Rabbit insurance auto insurance rates online. It’s most important to understand that the more times you quote, the higher your chance of finding affordable car insurance. You may even discover the lowest auto insurance rates are with some of the lesser-known companies.

As you quote car insurance, you should never buy less coverage just to save a little money. In many instances, someone dropped full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to get the best coverage possible at a price you can afford, but do not sacrifice coverage to save money.

For more information, take a look at the resources below: