1999 Volkswagen EuroVan Insurance Cost – 6 Tips for Best Prices

Searching for cheaper auto insurance rates for your Volkswagen EuroVan? Nobody I know cherishes buying auto insurance, especially knowing the cost is too high.

Insurance companies such as State Farm, Progressive and Geico persitently shower you with ads and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.

If you currently have a car insurance policy, you will most likely be able to save some money using these tips. Choosing the best insurance company for you is quite easy. Nevertheless, vehicle owners must learn how insurance companies determine prices because it can help you find the best coverage.

Automobile Insurance Quotes

Most companies like State Farm and Allstate provide insurance quotes directly from their websites. The process is fairly simple as you just type in the coverage amounts you desire as detailed in the form. When complete, their system collects your driving record and credit report and generates pricing information. Online price quotes streamlines rate comparisons, but the time it takes to visit several different sites and fill out multiple forms gets old quite quickly. But it is imperative to do this in order to get the lowest possible prices on auto insurance.

A quicker way to find better auto insurance pricing makes use of a single form that gets prices from multiple companies. It saves time, reduces the work, and makes price shopping online much easier. After sending the form, your coverage is rated and you can select any or none of the quotes returned.

If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The whole process just takes a couple of minutes and could lower your rates considerably.

To compare rates now, click here and submit the form. If you have your current policy handy, we recommend that you enter deductibles and limits identical to your current policy. This way, you will receive a rate comparison based on similar coverages.

How to save on 1999 Volkswagen EuroVan insurance

Car insurance can cost a lot, but you may find discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time of quoting, but a few need to be specifically requested before they will apply.

  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Driver Safety – Completing a driver safety course can save you 5% or more depending on where you live.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Payment Method – If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts as compared to drivers who are more careless.

Drivers should understand that most discounts do not apply to the entire policy premium. Most cut individual premiums such as medical payments or collision. Just because it seems like you could get a free car insurance policy, companies don’t profit that way. But any discount will bring down your premiums.

Insurance companies that possibly offer these discounts include:

It’s a good idea to ask each company what discounts are available to you. Savings might not apply in your state.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there really is no cookie cutter policy. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine if your insurance needs may require specific advice.

  • Is my 1999 Volkswagen EuroVan covered for smoke damage?
  • Am I covered if I break a side mirror?
  • Is my nanny covered when driving my vehicle?
  • Am I covered when driving a rental car?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How do I file an SR-22 for a DUI in my state?
  • When should I not file a claim?
  • Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Are car insurance companies telling the truth?

State Farm and Allstate consistently run ads on TV and radio. All the companies make an identical promise that you can save if you change your coverage to them. How do they all claim to save you money? This is how they do it.

Different companies are able to cherry pick for the driver that earns them a profit. An example of a driver they prefer might be between the ages of 30 and 50, has no tickets, and has a short commute. Any driver who fits that profile will get the preferred rates and most likely will save when switching.

Consumers who don’t measure up to these standards will have to pay a higher premium which leads to the customer not buying. The ads state “people who switch” but not “drivers who get quotes” save money. That is how insurance companies can make those claims.

Because of the profiling, you absolutely need to get quotes from several different companies. It is impossible to predict which company will fit your personal profile best.

Coverages available on your insurance policy

Understanding the coverages of a insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages found on the average insurance policy.

Collision coverage protection

Collision insurance 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 coverage protects against things like sustaining damage from a pot hole, driving through your garage door, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for liability

This coverage can cover damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like attorney fees, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like nursing services, X-ray expenses, surgery, hospital visits and ambulance fees. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Volkswagen EuroVan.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like fire damage, hail damage and rock chips in glass. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Quote more. Save more.

We just presented some good ideas how you can compare 1999 Volkswagen EuroVan insurance prices online. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies. Some small companies may only write in your state and offer lower rates compared to the large companies like Allstate or State Farm.

Lower-priced insurance can be found both online and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers may not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

More detailed auto insurance information is available in these articles: