1997 Volkswagen Cabrio Insurance Rates

Shoppers have lots of choices when shopping for the best price on Volkswagen Cabrio insurance. They can either waste time driving around trying to get quotes or save time using the internet to make rate comparisons. There is a better way to find car insurance online and we’ll show you the absolute fastest way to get price quotes for a new or used Volkswagen and locate the best price possible from local insurance agents and online providers.

It’s a great practice to take a look at other company’s rates occasionally since insurance rates change quite often. Even if you think you had the best rate on Cabrio coverage six months ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the quickest way to properly buy coverages while reducing your premium.

Finding the best rates is quite easy. If you currently have car insurance, you will be able to reduce your rates substantially using this information. Drivers just need to understand the proper way to shop online.

Compare car insurance rate quotes

There are a variety of methods to compare car insurance prices but some are less time-consuming than others. You can spend your afternoon discussing policy coverages with agents in your area, or you can stay home and use the internet to quickly compare rates.

Many companies participate in a marketplace that enables customers to send in one quote, and each company can provide price quotes based on that data. This saves time by eliminating form submissions for each company you want a rate for.

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

One minor caviat to using this type of form is you can’t choose which providers to get pricing from. So if you prefer to pick from a list of companies to request quotes from, we put together a list of low cost car insurance companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just be sure you’re using equivalent quote data for each quote you get. If you use unequal deductibles or liability limits it will be very difficult to find the best deal for your Volkswagen Cabrio.

Auto insurance advertising gotchas

Consumers can’t get away from ads that claim the lowest premium rates from companies such as Progressive, Geico, Allstate and State Farm. All the ads state the claim that drivers will save a bundle just by switching your auto insurance coverage to their company.

Is it even possible that every company can charge you a lower premium? You have to listen carefully.

All the different companies have an ideal profile for the driver that will be a good risk. A good example of this type of risk profile might be between 25 and 40, has never had a claim, and has a short commute. Any person who matches that profile will most likely get cheap premium rates and is almost guaranteed to save some money.

Potential insureds who fall outside those standards will see a higher rate which leads to the customer not buying. The trick companies use is to say “drivers who switch” not “everybody who quotes” will save that much if they switch. That is how companies can truthfully advertise the savings. This emphasizes why you need to get insurance quotes from several different companies. Because without a comparison, you cannot know the company that will have the lowest rates.

How insurance providers calculate Volkswagen Cabrio insurance rates

Many factors are part of the calculation when you quote your car insurance policy. Some are obvious like a motor vehicle report, but other factors are not quite as obvious like your vehicle usage or your commute time.It’s important that you understand some of the things that aid in calculating the level of your policy premiums. When you know what positively or negatively influences your rates, this enables you to make decisions that may reward you with lower auto insurance prices.

The list below includes some of the items utilized by car insurance companies to help set premiums.

• Vocation can influence rates – Jobs such as real estate brokers, business owners and accountants tend to pay higher rates than the rest of us in part from intense work situations and lots of time spent at work. Other jobs such as scientists, athletes and the unemployed have lower than average premiums on Cabrio coverage.
• Car and home together may be cheaper – Many auto insurance companies afford lower prices to clients who buy several policies from them, otherwise known as a multi-policy discount. Discounts can add up to ten percent or more. Even if you’re getting this discount consumers should still get quotes from other companies to confirm you are receiving the best rates possible.
• Your credit rating is important – Having a bad credit rating can be a huge factor in determining what you pay for auto insurance. So if your credit score leaves room for improvement, you could be paying less to insure your 1997 Volkswagen Cabrio by improving your rating. Consumers who have very high credit ratings tend to file fewer claims than drivers who have poor credit.
• Policy add-ons may not be needed – There are quite a few additional coverages you can purchase on your auto insurance policy. Insurance for things like coverage for rental cars, death and dismemberment, and additional equipment coverage may be costing you every month. These may sound like a good investment when talking to your agent, but now you might not need them so remove them from your policy.

Auto insurance discounts are available to reduce your rates

Companies don’t necessarily list all available discounts in a way that’s easy to find, so below is a list some of the more common and the more hidden credits that you can use to lower your rates.

• Good Students Pay Less – This discount can save 20 to 25%. Many companies even apply the discount to college students well after school through age 25.
• Paperwork-free – Some companies will give you a small discount for completing your application over the internet.
• No Charge for an Accident – This one is not really a discount per se, but companies like Allstate and State Farm will let one accident slide before raising your premiums if you are claim-free prior to the accident.
• Resident Student – College-age children who live away from home at college and do not have a car may qualify for this discount.
• Homeowners Pay Less – Owning a house can save you money because of the fact that having a home requires personal responsibility.
• ABS Brakes – Vehicles that have anti-lock braking systems can stop better under adverse conditions so companies give up to a 10% discount.

Discounts lower rates, but most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. So when it seems like you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

Some companies who might offer some of the above discounts may include but are not limited to:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

Double check with all the companies how you can save money. Some of the earlier mentioned discounts might not be offered in your state. To view insurance companies with the best auto insurance discounts, follow this link.

Everyone needs different auto insurance coverages

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine whether you might need an agent’s assistance.

• Is my babysitter covered when using my vehicle?
• Can I afford to buy a different vehicle if my 1997 Volkswagen Cabrio is totaled?
• Do I need an umbrella policy?
• When should I buy a commercial auto policy?
• Should I waive the damage coverage when renting a car?
• Can I get a multi-policy discount?
• Do I need replacement cost coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage specifics

Having a good grasp of car insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Liability insurance

This provides protection from damage that occurs to a person or their property in an accident. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as bail bonds, repair costs for stationary objects and medical expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses such as funeral costs, nursing services and prosthetic devices. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Auto collision coverage

This coverage will pay to fix damage to your Cabrio from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as scraping a guard rail, crashing into a building, damaging your car on a curb, hitting a parking meter and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverages

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, damage from getting keyed and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Be Smart and Buy Smart

As you shop your coverage around, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where an insured dropped full coverage and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage at the best cost and still be able to protect your assets.

Low-cost 1997 Volkswagen Cabrio insurance is available from both online companies as well as from independent agents, so you need to shop insurance with both in order to have the best chance of saving money. A few companies may not have rate quotes online and most of the time these smaller companies provide coverage only through independent insurance agents.

Throughout this article, we presented some good ideas how you can reduce 1997 Volkswagen Cabrio insurance rates online. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may be surprised to find that the most savings is with some of the smallest insurance companies.

More tips and info about auto insurance is available in these articles:

• Red Light Cameras (State Farm)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• Auto Insurance FAQ (Farmers Insurance)
• Older Drivers FAQ (iihs.org)
• Vehicle Insurance (Wikipedia)