2001 Volkswagen Cabrio Insurance Rates

Sick and tired of trying to scrape together enough money to insure your Volkswagen every month? You’re in the same situation as many other drivers. Online insurance companies like Progressive, State Farm and Geico increase brand awareness with advertising and it can be hard to see past the corporate glitz and find the best price available.

These discounts can slash car insurance rates

Insuring your fleet can be pricey, buy you may qualify for discounts to help bring down the price. Some trigger automatically at quote time, but less common discounts must be manually applied prior to receiving the credit. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Own a Home – Owning a home can help you save on car insurance because maintaining a house demonstrates responsibility.
  • Early Switch Discount – Some insurance companies reward drivers for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Military Discounts – Having a family member in the military could mean lower rates.
  • No Charge for an Accident – Certain companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school.
  • Multiple Policy Discount – If you insure your home and vehicles with one insurance company you will save at least 10% off all policies.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Cabrio insurance than less cautious drivers.
  • Life Insurance – Larger companies have a discount if you purchase auto and life insurance together.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Distant Student – Kids in college who are attending college and do not have access to a covered vehicle may be able to be covered for less.

Consumers should know that most discounts do not apply to all coverage premiums. The majority will only reduce individual premiums such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way. Any amount of discount will cut the cost of coverage.

For a list of providers offering car insurance discounts, click here.

How to Get Auto Insurance Comparison Quotes

Shopping for lower auto insurance rates can be exhausting if you aren’t aware of the best way to get rate quotes. You could spend the better part of a day talking to agents in your area, or you could use online quoting to achieve your goal.

The majority of car insurance companies take part in a program that allows shoppers to submit one quote, and each participating company then returns a price quote. This eliminates the need for form submissions for each company.

To enter your information into the quoting system, click to open in new window.

The only downside to pricing coverage this way is buyers cannot specifically choose the providers you want pricing from. So if you prefer to choose specific insurance companies for rate comparison, we put together a list of auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but double check that you are using apples-to-apples coverage information for every quote you compare. If you compare different deductibles it’s not possible to find the best deal for your Volkswagen Cabrio.

When might I need the advice of an agent?

When it comes to choosing the right insurance coverage, there really is not a one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions could help you determine whether you might need professional guidance.

  • When can I cancel my policy?
  • How high should my medical payments coverage be?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is upholstery damage covered by car insurance?
  • Is my state a no-fault state?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my nanny covered when driving my vehicle?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

The coverage is in the details

Knowing the specifics of your policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages found on the average auto insurance policy.

Auto liability insurance

This coverage will cover damage that occurs to people or other property. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like funeral expenses, medical services, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, rock chips in glass, theft and a tree branch falling on your vehicle. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses for pain medications, doctor visits and chiropractic care. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are identical to your policy’s liability coverage.

Collision coverage protection

This will pay to fix damage to your Cabrio from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, driving through your garage door, rolling your car, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Get your money’s worth

Low-cost 2001 Volkswagen Cabrio insurance is possible both online and with local insurance agents, and you should be comparing both to have the best rate selection. A few companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, it’s a bad idea to reduce needed coverages to save money. There have been many situations where drivers have reduced uninsured motorist or liability limits only to find out that it was a big mistake. Your goal should be to find the BEST coverage at a price you can afford while still protecting your assets.

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