1991 Volkswagen Vanagon Insurance Quotes

Want better auto insurance rates for your Volkswagen Vanagon? Paying for expensive Volkswagen Vanagon insurance can empty your bank account and make it hard to pay other bills. Comparison shopping can help to make sure you’re not throwing money away.

Due to the large number of online and local companies to choose from, it can be challenging to choose the lowest cost insurer.

Insurance coverage rates and discounts

Insurance coverage is neither fun to buy or cheap, but you might be missing out on some discounts that could drop your premiums quite a bit. Certain reductions will be credited at the time of quoting, but a few must be asked for before you get the savings.

• Cautious Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on vanagon coverage than their less cautious counterparts.
• Smart Student Discounts – Being a good student can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
• Distant College Student Discount – Any of your kids who live away from home at college and leave their car at home can receive lower rates.
• Drive Less and Save – Keeping the miles down on your Volkswagen can earn lower prices due to less chance of an accident.
• Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, nobody gets a free ride. But any discount will reduce your premiums.

Insurance companies that possibly offer most of these discounts include:

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

Double check with all companies you are considering how many discounts you can get. Some discounts listed above might not be available to policyholders in your area.

Five tips to get cheap insurance costs

The best way to find cheaper insurance coverage is to take a look at the rating factors that aid in calculating your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in cheaper rates. Many different elements are used when pricing auto insurance. A few of the factors are predictable such as your driving history, but other criteria are not quite as obvious like where you live or your commute time.

The items below are some of the major factors used by your company to calculate prices.

• Pay less with a high crash test rating – Safe vehicles get lower rates. Safer cars result in less severe injuries and reduced instances of injuries means less money paid by your insurance company which can mean better rates for you. If your Volkswagen is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
• Getting married brings a discount – Having a significant other may earn you lower rates on your insurance coverage policy. Having a significant other translates into being more mature and responsible and it’s proven that married drivers tend to file fewer claims.
• High physical damage deductibles reduce costs – Physical damage deductibles tell how much you are required to pay in the event of a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims could be rearending another vehicle, vandalism, and damage from wind. The more of the claim you are required to pay out-of-pocket, the better rate you will receive on vanagon coverage.
• Extra coverages that may not be needed – Policies have extra coverages you can purchase if you don’t pay attention. Coverage for things like vanishing deductibles, accident forgiveness, and motor club memberships may not be needed and are just wasting money. They may seem like a good idea when buying your policy, but your money might be better spent on other coverage so think about removing them and cutting costs.
• Small claims can cost you – If you are the type of insured that files lots of claims you should expect higher premiums or even policy non-renewal. Insurance companies award the lowest premiums to policyholders who are not frequent claim filers. Insurance coverage is intended for claims that pose a financial burden.

Situations that may require an agent’s advice

When buying the right insurance coverage, there is no “perfect” insurance plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might help in determining if your insurance needs will benefit from professional help.

• Who is covered when they drive my 1991 Volkswagen Vanagon?
• If my pet gets injured in an accident are they covered?
• Will my rates increase for filing one claim?
• Can I still get insurance after a DUI?
• Is borrowed equipment or tools covered if stolen or damaged?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Can I afford to pay high deductible claims out of pocket?
• Can I afford low physical damage deductibles?
• Am I covered if I wreck a rental car?
• Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage information

Having a good grasp of your policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most insurance policies.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for bills for prosthetic devices, funeral costs, surgery and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Collision coverage protection

This coverage will pay to fix damage to your Vanagon resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like backing into a parked car, crashing into a building, sustaining damage from a pot hole, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Auto liability insurance

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

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like emergency aid, legal defense fees, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Comprehensive auto coverage

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

Comprehensive coverage protects against things like fire damage, damage from flooding and falling objects. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Vanagon.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

More choices the merrier

You just learned a lot of tips how to get a better price on 1991 Volkswagen Vanagon insurance. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding affordable auto insurance. Drivers may discover the biggest savings come from some of the lesser-known companies. Regional companies can often insure niche markets at a lower cost compared to the large companies like State Farm, Geico and Nationwide.

Budget-conscious 1991 Volkswagen Vanagon insurance can be purchased from both online companies as well as from insurance agents, so get free auto insurance quotes from both of them to have the best selection. Some car insurance companies may not have online price quotes and many times these regional carriers sell through independent insurance agencies.

When searching for inexpensive auto insurance quotes, it’s a bad idea to buy poor coverage just to save money. There have been many cases where an accident victim reduced full coverage and learned later that it was a big mistake. Your goal should be to purchase plenty of coverage at the best price.

Additional learning opportunities

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)