2002 Volkswagen Cabrio Insurance Quotes – 10 Tips for Best Rates

Trying to find lower insurance rates for your Volkswagen Cabrio? Are you intimidated by the crazy number of insurance options? Lot’s of other consumers are too. People have so many options that it can be more work than you anticipated to compare prices.

It’s a good habit to price shop coverage at least once a year since rates trend upward over time. Just because you found the lowest rates for Cabrio insurance six months ago a different company probably has better rates today. You can find a lot of misleading information regarding insurance online, so by reading this article, you’re going to learn the best ways to slash your insurance rates.

Discounts mean cheaper 2002 Volkswagen Cabrio insurance rates

Companies don’t necessarily list every available discount very clearly, so we break down some of the more common and also the lesser-known auto insurance savings.

  • New Vehicle Savings – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Student in College – Children living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can get savings of 20% or more.
  • Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Low Mileage Discounts – Fewer annual miles on your Volkswagen can earn lower rates on the low mileage vehicles.
  • One Accident Forgiven – A few companies allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in school.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for Cabrio insurance than drivers with accidents.
  • Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiration. The savings is around 10%.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.

It’s important to understand that most discount credits are not given the the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, companies don’t profit that way.

Companies that may offer these discounts may include but are not limited to:

Before buying, ask each company which discounts they offer. All car insurance discounts might not apply in your state.

How to Compare Car Insurance Rates

There are several ways to compare rate quotes from different insurance companies. The fastest way to find the cheapest 2002 Volkswagen Cabrio insurance rates consists of shopping online. This can be accomplished in a couple of different ways.

The most efficient way to get quotes is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating separate quotation requests to each individual car insurance company. Just one form will return quotes direct from many companies. It’s the fastest way to compare.

A more difficult way to obtain and compare quotes online consists of visiting each company’s website to complete their respective quote request forms. For examples sake, we’ll pretend you want to compare rates from State Farm, Esurance and Liberty Mutual. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method.

To view a list of companies in your area, click here.

Whichever way you use, make absolute certain that you use the exact same information on every quote you get. If you have different values for each quote you will not be able to determine the best price for your Volkswagen Cabrio. Quoting even small variations in coverages may result in large price differences. It’s important to know that obtaining a wide range of quotes will improve the odds of getting better pricing.

Tailor your coverage to you

When buying proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Each situation is unique.

For example, these questions might help in determining if your insurance needs will benefit from professional help.

  • If my pet gets injured in an accident are they covered?
  • Should I carry comprehensive and collision coverage?
  • Is pleasure use cheaper than using my 2002 Volkswagen Cabrio to commute?
  • Do I benefit by insuring my home with the same company?
  • Am I getting all the discounts available?
  • Why do I only qualify for high-risk insurance?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I need replacement cost coverage?
  • Am I covered if I drive in a foreign country?
  • Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form.

Do drivers who switch really save?

Companies like Progressive, Geico, Allstate and State Farm constantly bombard you with ads in print and on television. All the ads make an identical promise about savings if you switch your coverage to them. How does each company make the same claim?

All companies have a certain “appetite” for the right customer that earns them a profit. An example of a desirable insured could possibly be between 25 and 40, is a homeowner, and has a high credit rating. A customer getting a price quote who matches those parameters will get the preferred rates and therefore will save when they switch companies.

Consumers who don’t meet the “perfect” profile will be quoted higher premiums which usually ends up with the customer not buying. The ads say “drivers who switch” not “everyone that quotes” save that much. That is how companies can truthfully advertise the way they do. This emphasizes why you need to get a wide range of price quotes. It is impossible to predict which insurance companies will provide you with the cheapest Volkswagen Cabrio insurance rates.

Auto insurance 101

Having a good grasp of auto insurance can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Volkswagen Cabrio.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Collision coverage

Collision coverage covers damage to your Cabrio resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with a tree, hitting a parking meter, crashing into a building and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses such as surgery, X-ray expenses and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, falling objects, damage from getting keyed, theft and damage from flooding. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability insurance

Liability coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as attorney fees, pain and suffering, medical services, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

A tidy conclusion

Insureds switch companies for a number of reasons such as poor customer service, high prices, not issuing a premium refund and even delays in responding to claim requests. No matter why you want to switch, switching insurance companies can be pretty painless.

We just presented quite a bit of information on how to save on 2002 Volkswagen Cabrio insurance. The key thing to remember is the more companies you get rates for, the better your comparison will be. Consumers could even find that the best price on insurance is with an unexpected company.

When you buy insurance online, never buy less coverage just to save a little money. In many cases, consumers will sacrifice physical damage coverage only to regret that they should have had better coverage. The proper strategy is to find the BEST coverage at the best price, not the least amount of coverage.

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