1999 Volkswagen Cabrio Insurance Quotes – 9 Tips to Save

Looking for the cheapest auto insurance rates for your Volkswagen Cabrio? Price shopping your auto insurance could be frustrating for beginners to online price comparisons. Because there are so many insurers available, it can easily become a lot of work to compare prices.

Low cost auto insurance prices

Shopping for lower auto insurance rates can be challenging if you don’t understand the most efficient way to do it. You could spend the better part of a day talking about coverages with agents in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

Many insurance companies participate in a marketplace that allows shoppers to enter their coverage request one time, and at least one company can give them a price based on the submitted data. This prevents consumers from doing quotation requests for every auto insurance company. To find out how much you’re overpaying now click to open in new window.

The single downside to doing it this way is you don’t know exactly the providers you want pricing from. If you wish to select individual companies for rate comparison, we put together a list of companies who write auto insurance in your area. Click to view list.

You can use whichever method you prefer to find lower rates, just try to keep exactly the same quote information on every quote. If you enter different values for each quote you will not be able to make an equal comparison. Quoting even small variations in insurance coverages may result in large price differences. And when price shopping your coverage, comparing more company’s prices provides better odds of finding the best price.

Lower-cost insurance rates with discounts

Companies offering auto insurance don’t necessarily list the entire discount list very well, so the list below contains a few of the more well known and also the more inconspicuous ways to save on insurance. If you’re not getting every credit possible, you could be paying more than you need to.

• Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
• Accident Free – Claim-free drivers have much lower rates as opposed to frequent claim filers.
• Accident Waiver – Not necessarily a discount, but a few companies such as Geico and Allstate will turn a blind eye to one accident without raising rates as long as you don’t have any claims before the accident.
• Military Discounts – Having an actively deployed family member could be rewarded with lower insurance rates.
• Multi-line Discount – Companies who offer life insurance give a break if you buy some life insurance in addition to your auto policy.
• Sign Early and Save – Some companies give discounts for buying a policy before your current coverage expires. This discount can save up to 10%.
• Homeowners Savings – Owning a house can get you a discount since home ownership requires personal responsibility.
• Driver Training Discounts – Taking time to complete a course that instructs on driving safety could earn you a small percentage discount if your company offers it.
• Theft Prevention Discount – Vehicles equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and earn discounts up to 10% off your insurance quote.

Don’t be shocked that most discount credits are not given to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. Despite the fact that it seems like all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will definitely reduce the amount you pay for coverage.

If you would like to choose from a list of insurers that can offer you the previously mentioned discounts, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining whether or not you would benefit from an agent’s advice.

• Does my personal policy cover me when driving out-of-state?
• Does coverage extend to a rental car in a foreign country?
• Do I need motorclub coverage?
• Am I covered if I crash into my own garage door?
• How do I buy GAP insurance?
• Can my teen driver be rated on a liability-only vehicle?
• What if I don’t agree with a claim settlement offer?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Specific coverages for a 1999 Volkswagen Cabrio

Having a good grasp of your insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability auto insurance

This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as pain and suffering, bail bonds, repair bills for other people’s vehicles and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 1999 Volkswagen Cabrio.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from flooding, damage from getting keyed, vandalism, theft and hail damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like dental work, rehabilitation expenses, funeral costs, ambulance fees and chiropractic care. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

This coverage pays for damage to your Cabrio resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, hitting a parking meter, crashing into a building, damaging your car on a curb and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Have the Midas touch

You just read a lot of ways to lower your 1999 Volkswagen Cabrio insurance car insurance rates. It’s most important to understand that the more rate quotes you have, the better likelihood of getting low cost insurance. Drivers may discover the lowest priced insurance coverage comes from a lesser-known regional company.

Budget-conscious 1999 Volkswagen Cabrio insurance can be bought from both online companies as well as from insurance agents, so you need to quote insurance with both to have the best rate selection. Some insurance coverage companies do not provide online price quotes and usually these regional insurance providers work with local independent agents.

When buying insurance coverage, do not buy poor coverage just to save money. There have been many situations where someone dropped full coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage at the best cost.

More information

• Airbag FAQ (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)