View 1998 Volkswagen Cabrio Car Insurance Cost

No one in their right mind looks forward to buying insurance coverage, especially knowing they could find lower prices if they just compared rates. Companies like Allstate and Progressive continually bombard you with ads and it can be hard to see through the cute green geckos and mayhem and find the best price available.

Consumers need to compare prices on a regular basis since insurance rates change regularly. Even if you think you had the lowest premium rates on Cabrio coverage on your last policy you may be paying too much now. There is lot of inaccurate information about insurance coverage on the internet, but in a few minutes you can learn some tested techniques to lower your insurance coverage bill.

How to get car insurance quotes

Getting more affordable 1998 Volkswagen Cabrio car insurance pricing is actually quite simple. Drivers just need to take the time comparing price quotes from some recommended companies. It is quite easy and can be accomplished using one of these methods.

The best way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This style of form keeps you from doing separate quotation requests for each company you want a rate for. One quote request gets rate comparisons from multiple low-cost companies.

A less efficient way to analyze rates requires a trip to the website for each individual company and fill out a new quote form. For example, let’s say you want to compare rates from Nationwide, Geico and Progressive. To get rate quotes you would need to go to every website and enter your policy data, which can get rather old.

For a handy list of car insurance company links in your area, click here.

If you have time to kill, the last way to get comparison rates is to drive around to insurance agents’ offices. The ability to get quotes online has made agencies unnecessary unless you have a need for the extra assistance that only a licensed agent can provide. Although you can comparison shop your insurance online but have a local agent actually write the policy.

Whichever way you choose to compare rates, ensure you’re using the same deductibles and coverage limits on every quote. If you compare different data then you won’t be able to truly determine the lowest rate.

Misconceptions in insurance advertisements

Consumers constantly see and hear ads for the lowest price insurance by Progressive, Allstate and Geico. All the ads seem to make the promise about saving some big amount if you get a free insurance quote and switch your policy.

How is it possible that every company can charge you a lower premium?

Most companies give the best rates for the type of customer that will be a good risk. One example of a driver they prefer could be a married female, owns their home, and drives newer vehicles. A customer who matches those parameters receives the best rates and therefore will save money with a new company.

Potential insureds who don’t qualify for these stringent criteria will get higher premiums which translates to business going elsewhere. If you listen closely, the ads state “drivers that switch” not “everyone that quotes” will save that much if they switch. That’s why companies can truthfully state the savings. This really illustrates why you should compare free insurance quotes often. Because you cannot predict the company that will have the best prices.

Save a ton with these insurance discounts

Companies offering auto insurance do not list all available discounts in a way that’s easy to find, so the below list has some of the best known in addition to some of the lesser obvious insurance savings.

• Safety Restraint Discount – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more on medical payment and PIP coverage.
• Student Discount for Driver Training – Require your teen driver to participate in a local driver’s education class in school or through a local driver safety program.
• Discount for New Cars – Buying insurance on a new vehicle is cheaper since new vehicles are generally safer.
• Defensive Driving Course – Participating in a course that instructs on driving safety could save 5% or more if your company offers it.
• Student in College – Kids who attend college more than 100 miles from home and leave their car at home could get you a discount.
• Anti-theft System – Cars and trucks optioned with advanced anti-theft systems prevent vehicle theft and will qualify for a discount on a insurance quote.
• Multi-Vehicle Discounts – Insuring several vehicles with one company could earn a price break for each car.
• Senior Citizen Rates – Mature drivers may be able to get reduced rates on Cabrio coverage.
• Switch and Save Discount – Some insurance companies give discounts for signing up prior to your current policy expiration. This can save 10% or more.

As a sidenote, some credits don’t apply to the entire cost. Most cut specific coverage prices like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will help reduce your policy cost.

Some companies that may include these benefits possibly include:

• Geico
• Travelers
• Farm Bureau
• Liberty Mutual
• American Family
• Progressive

When getting free insurance quotes, it’s a good idea to each insurance company to give you their best rates. Discounts might not be offered on policies in your state.

Car insurance can get complicated

When choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different and your policy should reflect that. For example, these questions may help highlight if your insurance needs might need an agent’s assistance.

• Is upholstery damage covered by car insurance?
• Does medical payments coverage apply to all occupants?
• What is high-risk coverage and where do I buy it?
• Should I buy only the required minimum liability coverage?
• Does my car insurance cover rental cars?
• Does my policy cover my teen driver if they drive my company car?
• How can I get high-risk coverage after a DUI?
• Should I carry comprehensive and collision coverage?
• Do I need special endorsements for business use of my vehicle?
• Can I afford low physical damage deductibles?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

The coverage is in the details

Understanding the coverages of insurance helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most insurance policies.

Comprehensive protection

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as theft, hitting a deer, damage from a tornado or hurricane and damage from getting keyed. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as X-ray expenses, funeral costs, pain medications and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Liability coverages

This protects you from damages or injuries you inflict on a person or their property that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

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. As an example, you may have policy limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like medical services, medical expenses, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Collision coverage

This coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with a tree, backing into a parked car, damaging your car on a curb, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Online plus local equals savings

When shopping online for auto insurance, it’s not a good idea to skimp on coverage in order to save money. In many instances, someone dropped full coverage only to regret that they should have had better coverage. The ultimate goal is to find the BEST coverage for the lowest price, not the least amount of coverage.

We just covered some good ideas how to save on 1998 Volkswagen Cabrio insurance. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the most savings is with a small mutual company. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.

Additional auto insurance information is located at these links:

• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• What is a Telematics Device? (Allstate)
• Teen Driving and Texting (State Farm)
• Five Mistakes to Avoid (Insurance Information Insitute)