Compare 1999 Volkswagen EuroVan Car Insurance Cost

No sane person likes paying for insurance, in particular when it costs too dang much.

Numerous insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to find the absolute best rate

How much does auto insurance cost?

The are a couple different ways of comparing rates from many different insurance companies. The simplest method to compare rates is simply to get online rate quotes. It’s really quite simple and can be done in just a few minutes using one of these methods.

1. The most efficient method to get quotes for comparison is to use a rate comparison form click to view form in new window. This quick form keeps you from doing separate quotes for each company you want a rate for. Taking the time to complete one form compares rates from auto insurance companies with the best prices.
2. A more time consuming way to get comparison quotes requires a trip to each company website to complete their respective quote request forms. For instance, let’s say you want to get rates from Liberty Mutual, Farmers and Travelers. You would have to spend time on each company’s site and repeatedly enter your information, which is why most consumers use the first method. For a list of companies in your area, click here.
3. The most time-consuming method to quote and compare insurance rates is driving to each insurance agency near you. The fact that you can get quotes online eliminates the need for an insurance agent unless you have a complicated situation and need the professional advice that only an agent can give. However, consumers can price shop your coverage online but buy the policy through an agent.

You can use whichever method you prefer to find lower rates, just make absolute certain that you use identical quote information on every quote you get. If you use different data it’s not possible to truly determine the lowest rate. Quoting even small variations in limits can mean a large discrepancy in price. Keep in mind that getting more free quotes provides better odds of finding better pricing. Some insurance companies are not set up to provide online price quotes, so you need to compare rates from those companies as well.

Save a ton by getting discounts

Some insurance providers don’t always list every disount available in a way that’s easy to find, so we researched both well-publicized and the more hidden discounts that may be available. If you aren’t receiving every discount you deserve, you could be saving more on your car insurance.

• Senior Citizen Rates – Older drivers may qualify for better car insurance rates on Eurovan insurance.
• Early Renewal Discounts – Some insurance companies reward drivers for buying a new policy prior to your current policy expiring. It can save you around 10%.
• Clubs and Organizations – Joining a civic or occupational organization could earn you a nice discount on your next renewal.
• Save with a New Car – Putting insurance coverage on a new car may earn a small discount because newer vehicles are generally safer.
• Active Military Service – Having a deployed family member may lower your car insurance rates slightly.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.
• Low Mileage Discounts – Keeping the miles down on your Volkswagen may enable drivers to earn lower prices on the low mileage vehicles.
• Anti-lock Brake System – Vehicles with ABS braking systems or traction control have fewer accidents so you can save 10 percent or more.
• Waiver for an Accident – but companies like Allstate and Geico will allow you to have one accident without the usual rate increase if you are claim-free prior to the accident.

Discounts lower rates, but most discounts do not apply to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. So despite the fact that it appears you could get a free car insurance policy, car insurance companies aren’t that generous.

A list of car insurance companies and some of the premium reductions they offer are included below.

• State Farm offers discounts for Drive Safe & Save, student away at school, accident-free, passive restraint, multiple autos, and safe vehicle.
• Geico offers premium reductions for driver training, five-year accident-free, seat belt use, air bags, military active duty, and membership and employees.
• Liberty Mutual has discounts for new graduate, teen driver discount, safety features, multi-car, preferred payment discount, and new vehicle discount.
• The Hartford has savings for bundle, driver training, defensive driver, air bag, vehicle fuel type, good student, and anti-theft.
• MetLife includes discounts for accident-free, good driver, claim-free, defensive driver, and good student.
• Progressive discounts include online quote discount, good student, multi-policy, homeowner, and continuous coverage.

It’s a good idea to ask every company the best way to save money. Savings may not be offered in every state. To see a list of car insurance companies with the best discounts, click this link.

Your insurance coverage should be tailored to you

When buying proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. These are some specific questions may help you determine whether or not you might need professional guidance.

• Which companies will insure high-risk drivers?
• How much underlying liability do I need for an umbrella policy?
• How much liability do I need to cover my assets?
• Do I need added coverage for expensive stereo equipment?
• Is my ex-spouse still covered by my policy?
• Is my Volkswagen EuroVan covered if I use it for business?
• Is my babysitter covered when using my vehicle?
• Should I bundle my homeowners policy with my auto?
• Is a blown tire covered by insurance?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Parts of your insurance policy

Learning about specific coverages of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for expenses such as funeral costs, nursing services, rehabilitation expenses and EMT expenses. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision insurance

This covers damage to your EuroVan resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, sideswiping another vehicle, hitting a parking meter, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Volkswagen EuroVan.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability

This can cover damages or injuries you inflict on a person or their property. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like repair bills for other people’s vehicles, emergency aid, court costs and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like falling objects, damage from flooding and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

You can do this!

In this article, we presented some good ideas how to shop for 1999 Volkswagen EuroVan insurance online. The most important thing to understand is the more you quote auto insurance, the more likely it is that you will get a better rate. You may even discover the best price on car insurance is with the smaller companies. These companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, Geico and Nationwide.

Cheaper car insurance can be found on the web as well as from insurance agents, so get free auto insurance quotes from both of them in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through independent agents.

As you prepare to switch companies, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your objective should be to buy the best coverage you can find at the best price, not the least amount of coverage.

More learning opportunities

• Determing Auto Insurance Rates (Geico)
• Teen Driving Statistics (iihs.org)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)