Compare 1993 Volkswagen EuroVan Car Insurance Cost

Trying to find cheaper insurance for a Volkswagen EuroVan could be a painful process, but you can use a few tricks to find lower rates.

There is a better way to compare insurance rates and you need to know the absolute fastest way to quote coverages for a new or used Volkswagen and obtain the cheapest rates from local insurance agents and online providers.

It’s a good habit to take a look at other company’s rates yearly since prices change regularly. If you had the best deal for Eurovan insurance a year ago a different company probably has better premium rates today. There is too much inaccurate information about insurance online, but by reading this article, you’re going to learn some good information on how to quit paying high insurance rates.

If you are insured now or are looking for a new policy, you can use these techniques to get lower rates while maximizing coverage. Buying cheaper coverage can be fairly easy. Drivers only need an understanding of the most effective way to compare company rates online.

Discounts for cheap insurance quotes

Insurance is expensive, but there are discounts available to reduce the price significantly. Certain discounts will be applied at the time of quoting, but less common discounts must be asked about before you will receive the discount.

  • Driver Training Discounts – Completing a course that instructs on driving safety is a good idea and can lower rates if you qualify.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to use their safety belts could save 15% on the premium charged for medical payments and/or PIP.
  • Discounts for Government Workers – Being employed by or retired from a federal job can earn a discount up to 10% for Eurovan insurance with select insurance companies.
  • Policy Bundle Discount – If you insure your home and vehicles and place coverage with the same company you may save up to 20% and get you the cheapest car insurance.
  • Payment Method – By paying your policy upfront rather than paying in monthly installments you could save 5% or more.
  • Good Student – Performing well in school could provide a savings of up to 20% or more. Most companies allow this discount up until you turn 25.
  • Mature Driver Discount – If you’re over the age of 55, you may receive a small discount on rates for Eurovan insurance.

Keep in mind that most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Companies that may have most of these discounts include:

If you are trying to find low cost car insurance quotes, ask all the companies which discounts you may be entitled to. All car insurance discounts may not apply in your area. If you would like to view companies offering insurance discounts, follow this link.

How to get the cheapest auto insurance

Finding cheap auto insurance rates is a fairly straight forward process. All you need to do is take time to get quotes to find out which insurance company has the cheapest car insurance quotes. This can easily be done using a couple different methods.

  • Hands down the most simple method to find low rates is to use a rate comparison form (click to open form in new window). This form saves time by eliminating a different quote for each company. One quote request gets you price quotes from many national carriers. This is by far the quickest method.
  • A slightly less efficient method to obtain and compare quotes online is spending the time to visit the website for every company you want to comare and request a quote. For examples sake, let’s say you want to see prices from Farmers, Geico and State Farm. To get rate quotes you would need to go to each individual site and type in your information over and over, and that explains why we recommend the first method. For a list of companies in your area, click here.
  • The least efficient and most time consuming way to comparison shop is to waste gas driving to insurance agencies in your area. The ability to quote online reduces the need to sit down with an agent unless you’re the type of person who wants the advice and guidance of a local agency. It is possible to get prices online and get advice from an agent in your area.

Whichever method you choose, compare exactly the same information for each comparison quote. If the quotes have different data it’s impossible to determine which company has the best rates.

What determines Volkswagen EuroVan insurance costs?

The best way to find cheaper insurance is to take a look at some of the factors that aid in calculating insurance rates. When you understand what impacts premium levels, this allows you to make educated decisions that can help you get much lower annual insurance costs. Many things are part of the equation when quoting car insurance. Some of the criteria are obvious like an MVR report, but other criteria are more transparent such as whether you are married and annual miles driven.

The items below are just a few of the factors used by companies to determine rates.

  • Save by driving safer vehicles – Vehicles that have high safety ratings can get you lower premiums. Highly rated vehicles reduce occupant injuries and any reduction in injury severity means less claims paid and cheaper rates on your policy. If your Volkswagen EuroVan has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Rate your vehicle for proper use – The higher the miles on your Volkswagen each year the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage determined by how the vehicle is used. Cars not used for work or commuting qualify for better rates than those used for commuting. Improper usage on your EuroVan may be costing you. Verify your insurance coverage states the proper vehicle usage.
  • Gender and insurance costs – Over time, data shows women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. They both cause accidents at about the same rate, but males cause more damage and cost insurance companies more money. Not only that, but men also get ticketed for serious violations like driving under the influence (DUI).
  • Marriage reduces risk – Getting married may earn you lower rates on your insurance bill. Having a significant other usually means you are less irresponsible and insurance companies like that being married results in fewer claims.
  • Your age impacts your prices – Youthful drivers have a tendency to be more careless with other occupants in the car therefore insurance rates are much higher. Mature drivers have been proven to be more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.
  • Increase comp and collision deductibles and save – Comp and collision deductibles represent how much money the insured will be required to pay if a covered claim is submitted. Physical damage protection, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of some claims that would be covered would be colliding with a stationary object, damage from fire, and having a roll-over accident. The more of the claim you are required to pay out-of-pocket, the lower your rates will be for Eurovan insurance.
  • Save money by having multiple policies – Most larger insurance companies give better rates to people who buy several policies from them. It’s known as a multi-policy discount. Even with this discount applied, you still need to comparison shop to ensure the best deal. It’s possible to still find better rates by buying from different companies
  • Where you reside is a factor – Living in less populated areas of the country can save you money when talking about insurance. People in densly populated areas have to deal with congested traffic and longer commute times. Fewer drivers and short commutes means fewer accidents and a lower car theft rate.

You may need specialized insurance coverage

When it comes to choosing coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions can aid in determining if your insurance needs will benefit from professional help.

  • Do I have coverage when using my vehicle for my home business?
  • Is a fancy paint job covered?
  • What should my uninsured motorist coverage limits be in my state?
  • Why am I required to buy liability insurance?
  • Should I get collision insurance on every vehicle?
  • Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t get away from all the ads that claim the best auto insurance rates from companies such as Geico, State Farm and Progressive. All the ads seem to make the promise that you can save if you just switch your car insurance coverage to their company.

How does every car insurance company have lower policy pricing?

All companies give the best rates for the type of driver that earns them the most money. One example of a profitable risk profile might be a married male, has no prior claims, and drives a safe vehicle. A propective insured who matches that profile will most likely get cheap auto insurance rates and will save some money.

People who fall outside those criteria will be charged higher premiums and ends up with the driver buying from a lower-cost company. Company advertisements say “people that switch” not “everybody who quotes” save the amount stated. That’s why companies can truthfully state the savings.

This illustrates why it is so important to compare as many free car insurance quotes as you can. It is impossible to guess which insurance companies will give you the biggest savings.

Auto insurance 101

Knowing the specifics of your policy can help you determine the right coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy.


Liability insurance can cover damage that occurs to a person or their property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as court costs, structural damage and medical expenses. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Uninsured or underinsured coverage

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 1993 Volkswagen EuroVan.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Comprehensive protection

This pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, theft, damage from getting keyed, hitting a bird and a broken windshield. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

This pays for damage to your EuroVan resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as damaging your car on a curb, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for bills for things like hospital visits, rehabilitation expenses and surgery. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Coverage on a shoestring budget

Some insurance providers do not offer online rate quotes regional insurance providers work with local independent agents. Budget-friendly auto insurance can be found on the web and also from your neighborhood agents, so compare prices from both to have the best selection.

As you quote car insurance, don’t be tempted to skimp on coverage in order to save money. In many cases, someone dropped full coverage only to regret that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage at the lowest possible cost, but do not sacrifice coverage to save money.

In this article, we covered a lot of ways to shop for 1993 Volkswagen EuroVan insurance online. It’s most important to understand that the more times you quote, the better your chances of lowering your premium rates. Consumers could even find that the best price on auto insurance is with the least-expected company.

Additional detailed information is located in the articles below:

Comments About 1993 Volkswagen EuroVan Insurance

  1. May Guerra

    I’ve bought from 21st Century forever. Cheapest rates in Norfolk, VA.

  2. Jacklyn Gutierrez

    In Rochester, MN, GEICO is a good choice. Was with 21st Century. I increased coverages a little too. Next renewal I’ll just do liability.

  3. Lucille Booth

    Not sure if this is cheap. I live east of Aberdeen, South Dakota. Got car insurance rates from Safeco, Erie, 21st Century, and AIG Insurance for my Volkswagen and I think I am saving around $20 each month. You can get a rate quote online. I don’t put full coverage on it.

  4. Rona Aguilar

    Does Allstate use ACV or replacement cost?

  5. Donnetta Skinner

    Here’s what I found out. I’m just south of Huntington, WV. I don’t recall every quote but I ended up saving about $20 each month. Might find lower rates online. My EuroVan doesn’t have full coverage.

  6. Suellen Mcclain

    Great info, thanks for posting. From west side of Boston, MA. Received rates from American Family, Farmers, and Mercury for my 1993 Volkswagen EuroVan and saved just over $60 a year. Anyone else drop full coverage?

  7. Virgen Whitney

    I live in Bangor, ME. Received quotes with American Family, Nationwide, and a few others for my Volkswagen and saved about $70 a year. Good multi-policy discounts. I don’t put full coverage on it.

  8. Chung Bridges

    If you don’t have tickets and are close to Chesapeake, VA, check out 21st Century. I saved quite a bit. Was with Nationwide. I think they have home insurance too. I quoted rates online then called them. I don’t have comp or collision coverage.

  9. Danuta Mayer

    Will 21st Century raise rates if I file a claim?

  10. Cyrstal Valenzuela

    Any GEICO or Erie customers near Paterson, New Jersey?

  11. Leatha Ward

    Anyone like their agent?

  12. Effie Johns

    Is State Farm cheaper than American Family in Davenport, Iowa?

  13. Annamarie Horne

    In Lewiston, Maine, State Farm auto insurance rates for my 1993 Volkswagen EuroVan were good. Wish I didn’t have to insure at all. Full coverage costs too much.

  14. Lakesha Hughes

    If you’re a decent driver and are close to Wichita, KS, check out Allstate. I saved quite a bit. Was with Travelers. Moved home policy as well. Just liability coverage since it’s getting old.

  15. Jenelle Nash

    Cheap is relative. I’m in the west part of Wichita, KS. Received rates from American Family, Mercury, and a few others for my Volkswagen and saved just over $70 a year. Was with Western Auto Insurance.