1991 Volkswagen Cabriolet Insurance Quotes – 7 Tricks for Cheapest Rates

Trying to find better insurance rates for your Volkswagen Cabriolet? Having to pay for overpriced Volkswagen Cabriolet insurance can bleed your accounts and put a big crunch on your finances. Comparing rate quotes can help to reduce premiums and put more money in your pocket.

There is such a variety of car insurance companies to buy insurance from, and although it’s nice to have a choice, more options can take longer to get the best deal.

You need to quote other rates before your next renewal due to the fact that insurance prices are usually higher with each renewal. If you had the lowest rates for Cabriolet coverage at your last renewal you can probably find a lower rate today. Forget all the misinformation about insurance because you’re about to learn how to use the internet to remove unneeded coverages and save money.

Choosing the best insurance company for you is quite easy. If you are insured now or are just looking to switch companies, you will benefit by learning to get lower rates and possibly find even better coverage. Drivers just need to know the best way to get comparison quotes online.

Insurance policy discounts

Insurance can cost an arm and a leg, but you might already qualify for some discounts to help bring down the price. Certain discounts will be applied when you quote, but a few need to be inquired about before you get the savings.

• Save with a New Car – Insuring a vehicle that is new can be considerably cheaper since new model year vehicles have better safety ratings.
• Bundled Policy Discount – If you can bundle your homeowners and auto insurance with the same company you may save at least 10% off all policies.
• Sign Online – Some insurance companies will give a small break for buying your policy on your computer.
• Passive Restraints – Vehicles equipped with air bags can get savings of more than 20%.
• Telematics Data Discounts – Drivers who elect to allow companies to scrutinize where and when they drive by using a telematics device such as State Farm’s In-Drive could see a rate decrease as long as the data is positive.
• Good Driver Discount – Insureds without accidents could pay up to 40% less for Cabriolet coverage than drivers with accident claims.
• Drive Less and Save – Driving fewer miles can earn slightly better rates than normal.

You should keep in mind that most of the big mark downs will not be given to the entire policy premium. A few only apply to specific coverage prices like medical payments or collision. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.

A list of companies and their offered discounts are shown below.

• State Farm offers premium reductions for Steer Clear safe driver discount, student away at school, good driver, multiple policy, accident-free, and multiple autos.
• American Family has discounts for good driver, multi-vehicle, defensive driver, air bags, good student, and mySafetyValet.
• Geico may include discounts for anti-lock brakes, multi-vehicle, air bags, multi-policy, five-year accident-free, driver training, and membership and employees.
• 21st Century may offer discounts for automatic seat belts, teen driver, student driver, 55 and older, early bird, theft prevention, and driver training.
• Progressive policyholders can earn discounts including online signing, continuous coverage, good student, homeowner, and online quote discount.

If you need cheaper auto insurance quotes, ask each company which discounts they offer. A few discounts might not be offered on policies in your area. If you would like to view companies who offer online insurance quotes, follow this link.

The fastest way that we advise to compare insurance rates in your area is to know almost all companies provide online access to give you rate quotes. The one thing you need to do is give them some information including if you are currently licensed, the year, make and model of vehicles, if a SR-22 is required, and any included safety features. That rating data is submitted instantly to all major companies and you receive quotes instantly to find the best rate.

To compare multiple company rates now, click here then complete the form.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there is no perfect coverage plan. Each situation is unique so your insurance should reflect that These are some specific questions can help discover if your situation might need professional guidance.

• Do I need PIP (personal injury protection) coverage in my state?
• Do I need more liability coverage?
• Does having multiple vehicles earn me a discount?
• I don’t drive much so do I pay less?
• Should I put collision coverage on all my vehicles?
• Am I covered if hit by an uninsured driver?
• Is there coverage for injuries to my pets?
• Do I have coverage when making deliveries for my home business?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Insurance coverage advertising gotchas

Consumers can’t avoid all the ads for the lowest price insurance coverage by companies like State Farm, Allstate and Geico. They all convey the message that drivers will save a bundle after switching your coverage to them.

Is it even possible that every company can say the same thing? It’s all in the wording.

Insurance coverage companies give the best rates for the type of customer that earns them a profit. A good example of a preferred risk may need to be over the age of 50, has no tickets, and drives a safe vehicle. Someone that fits those parameters will qualify for the lowest car insurance rates and as a result will probably save money with a new company.

Drivers who don’t qualify for the “perfect” profile will be quoted higher prices and this can result in the customer buying from a different company. The wording the ads use say “drivers that switch” not “all people who quote” save that kind of money. This is how companies can truthfully make claims like that. This really emphasizes why you need to get a wide range of price quotes. It’s impossible to know the company that will give you the biggest savings.

Insurance coverage basics

Understanding the coverages of a insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types found on the average insurance policy.

Medical expense insurance

Med pay and PIP coverage provide coverage for short-term medical expenses for things like X-ray expenses, rehabilitation expenses, pain medications, chiropractic care and prosthetic devices. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage covers damage to your Cabriolet resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a building, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, a tree branch falling on your vehicle, hitting a deer, damage from flooding and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your 1991 Volkswagen Cabriolet.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability insurance

This coverage will cover damage that occurs to a person or their property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as court costs, bail bonds and loss of income. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Shop. Compare. Save.

A few companies may not provide price quotes online regional carriers provide coverage only through local independent agents. Lower-priced auto insurance is definitely available from both online companies and from local agencies, so you should compare both to get a complete price analysis.

As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. In many instances, an insured cut comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. Your strategy should be to find the BEST coverage at an affordable rate but still have enough coverage for asset protection.

Much more information about auto insurance can be read on the following sites:

• Choosing an Insurance Company (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)
• Senior Drivers (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)