1999 Volkswagen Cabrio Car Insurance Quotes

No one looks forward to buying insurance coverage, especially knowing the cost is too high. Since consumers have many choices, it’s difficult to choose the best car insurance company.

This article will instruct you on how car insurance quotes work and some tricks to saving. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. Drivers just need to understand the most efficient way to get comparison rates on the web.

Volkswagen Cabrio rates influenced by many factors

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for car insurance. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with big savings.

The list below includes a few of the “ingredients” car insurance companies consider when setting rates.

  • Lower rates come with age – Young drivers are known to be less responsible when behind the wheel so car insurance rates are higher. Older insureds tend to be more responsible, file fewer claims and tend to be better behind the wheel.
  • Liability coverage is cheap – The liability section of your policy will protect you if ever you are found to be at fault for damages from an accident. Liability insurance provides legal defense starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
  • Better crash test results mean better rates – Cars with high safety ratings get lower rates. Safe vehicles reduce injuries and lower injury rates translates into savings for insurance companies and lower rates for you. If your Volkswagen Cabrio has ratings of a minimum four stars on Safercar.gov it may be receiving lower rates.
  • Being married can save on car insurance – Getting married can actually save you money on your policy. Having a significant other means you’re more mature and it’s proven that married drivers get in fewer accidents.
  • Lower miles equals lower premium – The more miles you rack up on your Volkswagen each year the higher your rate. The majority of insurers rate vehicles based on how the vehicle is used. Autos left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your car insurance policy shows how each vehicle is driven. If your policy improperly rates your Cabrio may be wasting your money.
  • Men pay higher rates – Statistics have proven that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Men and women tend to get into accidents in similar percentages, but the males have costlier accidents. They also get cited for more serious violations like reckless driving and DUI. Teenage male drivers tend to get in the most accidents and thus pay the highest rates.
  • Extra add-on coverages are wasting money – There are quite a few extra bells and whistles that you can get tricked into buying when buying car insurance. Coverages for rental car reimbursement, accidental death and motor club memberships are examples of these. These may sound like a good investment when you first buy your policy, but if you don’t need them eliminate them to save money.
  • Increase deductibles and save – Coverage for physical damage, also known as collision and other-than-collision, protects your Volkswagen from damage. Some examples of claims that would be covered could be running into the backend of another car, vandalism, and rolling your vehicle. Your deductibles are the amount of money you are required to spend if you file a covered claim. The more money the insured has to pay upfront, the lower your rates will be for Cabrio insurance.

Discounts to lower Volkswagen Cabrio insurance rates

The price of auto insurance can be rather high, but there are discounts available that you may not know about. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be inquired about prior to receiving the credit. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Paperwork-free – A few companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Life Insurance Discount – Some companies give lower rates if you buy life insurance from them.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Early Switch Discount – A few companies offer discounts for buying a policy before your current expiration date. It’s a savings of about 10%.
  • Memberships – Affiliation with a qualifying organization may earn a discount when buying car insurance for Cabrio insurance.
  • Save over 55 – Mature drivers may be able to get a small decrease in premiums for Cabrio insurance.
  • Claim Free – Claim-free drivers pay much less when compared to drivers who are more careless.

Consumers should know that most credits do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts will bring down the amount you have to pay.

Car insurance companies that possibly offer these money-saving discounts include:

Check with each insurance company how you can save money. Savings might not apply everywhere.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is no single plan that fits everyone. Everyone’s needs are different so this has to be addressed. For instance, these questions might point out whether you would benefit from professional advice.

  • What is the rate difference between pleasure use and commuting?
  • Is my nanny covered when driving my vehicle?
  • I don’t drive much so do I pay less?
  • Can I rate high risk drivers on liability-only vehicles?
  • What is high-risk coverage and where do I buy it?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Can I make deliveries for my home business?
  • I have health insurance so do I need medical payments coverage?
  • Do I have newly-aquired coverage?
  • Should I sign the liability waiver when renting a car?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, 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.

Car insurance coverages for a Volkswagen Cabrio

Knowing the specifics of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are typical coverages found on the average insurance policy.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for funeral costs, doctor visits, ambulance fees, dental work and hospital visits. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from getting keyed, falling objects, fire damage and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage

Collision coverage pays for damage to your Cabrio caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This provides protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 1999 Volkswagen Cabrio.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Liability coverages

This coverage protects you from damage or injury you incur to people or other property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like court costs, loss of income, structural damage, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Stretch your dollar

We just presented quite a bit of information on how to shop for 1999 Volkswagen Cabrio insurance online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest rates come from a small local company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

Cheaper insurance is available from both online companies and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

More tips and info about auto insurance is available in the articles below: