Lower Your 2009 Volkswagen Rabbit Insurance Rates

Searching for cheaper insurance coverage rates for your Volkswagen Rabbit? There isn’t anyone who likes paying for insurance coverage, especially when they know it costs too dang much.

Since drivers have many different company options, it’s nearly impossible to pick the best insurance coverage provider.

Auto insurance policy discounts

Companies don’t list all their discounts in an easy-to-find place, so the list below contains both the well known and also the lesser-known auto insurance savings.

• Defensive Driver Discount – Taking part in a safe driver course could save 5% or more and easily pay for the cost of the class.
• Paperwork-free – A few larger online companies may give you up to $50 get car insurance online.
• Resident Student – Kids who attend college more than 100 miles from home and leave their car at home may be able to be covered for less.
• Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you could save up to 5%.
• Multi-car Discount – Buying coverage for multiple vehicles on a single policy qualifies for this discount.
• Home Ownership Discount – Owning a home can save you money since owning and maintaining a home means you have a higher level of financial diligence.
• Use Seat Belts – Drivers who require all occupants to buckle up before driving can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
• Memberships – Participating in specific professional or occupational memberships or organizations can get you a small discount on your next auto insurance statement.
• Multiple Policy Discount – If you can combine your auto and home policy and insure them with the same company you could save at least 10% off all policies.
• Switch and Save Discount – A few insurance companies give discounts for renewing your policy before your current coverage expires. This can save 10% or more.

A little disclaimer on discounts, many deductions do not apply to the entire cost. Some only apply to individual premiums such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

Insurance companies that may offer quotes with these discounts possibly include:

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• Geico
• SAFECO
• Liberty Mutual

If you want cheap car insurance quotes, ask every company to give you their best rates. All car insurance discounts may not be offered in every state. To view auto insurance companies that offer the discounts shown above, follow this link.

How to compare car insurance price quotes

Performing a rate comparison can take hours if you don’t know the easiest way. You can spend countless hours discussing policy coverages with insurance companies in your area, or you could use the web for quick rates.

All the larger companies participate in an industry program where prospective buyers submit one quote, and at least one company can provide price quotes determined by their information. This system prevents you from having to do quote requests for each company. To compare pricing click here (opens in new window).

The only drawback to doing it this way is that consumers can’t choose the insurers to receive prices from. So if you want to choose specific insurance companies to compare, we put together a list of car insurance companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just make absolute certain that you use equivalent coverage limits on every quote. If your comparisons have differing limits then you won’t be able to determine the best price for your Volkswagen Rabbit. Just slight variations in limits can result in a big premium difference. Just remember that comparing all the rates in your area helps locate lower pricing.

Why you might pay increased rates

A large part of saving on insurance is knowing some of the factors that are used to determine the level of your policy premiums. When consumers understand what determines base rates, this enables you to make decisions that can earn you big savings. Lots of factors are considered when pricing auto insurance. Some are obvious such as traffic violations, but others are less apparent like your vehicle usage or your financial responsibility.

The factors shown below are some of the factors utilized by car insurance companies to help set rates.

• Pleasure use or commuting – The more you drive annually the more you will pay for insurance. Almost all companies calculate prices based on their usage. Cars that are left in the garage get more affordable rates than vehicles that have high annual mileage. Make sure your declarations sheet correctly shows how each vehicle is driven. Incorrect rating for your Rabbit can cost quite a bit.
• Your liability protection limits – Liability coverage will afford coverage if ever a jury decides you are liable for causing damage or personal injury in an accident. It provides you with a defense in court starting from day one. Liability insurance is pretty cheap compared to comp and collision, so drivers should carry high limits.
• Do you have a tough job? – Occupations like judgespolice officers and emergency personnel tend to have the highest rates due to high stress levels and lengthy work days. Other careers like scientists, athletes and homemakers receive lower rates on Rabbit coverage.
• Pay lower prices after the wedding – Your spouse may save some money on your insurance bill. Having a spouse demonstrates that you tend to be more stable financially and it’s statistically proven that drivers who are married are more cautious.
• Age of drivers – Teenage drivers are proven to be less responsible in a vehicle so they pay higher insurance rates. If you’ve ever had to add a teenage driver onto a policy can be quite pricey. Older people are more cautious drivers, are lower risk to insure .
• Never let your insurance policy expire – Driving without insurance coverage in place is not a good idea and insurance companies will penalize you for letting your coverage lapse. Not only will you pay more, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.

How do I know if I need professional advice?

When it comes to choosing the best car insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions may help highlight if you will benefit from professional help.

• Am I covered if I wreck a rental car?
• Do I need medical payments coverage since I have good health insurance?
• How does medical payments coverage work?
• Should I drop comprehensive coverage on older vehicles?
• How much liability coverage do I need in my state?
• Can I rate high risk drivers on liability-only vehicles?
• Do I pay less for low miles?
• Can I pay claims out-of-pocket if I buy high deductibles?
• When can I cancel my policy?
• When would I need rental car insurance?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Car insurance ads bend the truth

21st Century, Allstate and State Farm continually stream television and radio advertisements. All the companies tend to make the same promise that people will save if you just switch your car insurance coverage to their company. How does every company sell you cheaper insurance coverage? You have to listen carefully.

Many companies quote the lowest rates for the type of customer that will add to their bottom line. For instance, a profitable risk profile could possibly be between the ages of 30 and 45, is a homeowner, and insures a new vehicle. Any new insured that hits that “sweet spot” receive the lowest rate quotes and will also save quite a bit of money when switching.

People who do not meet these criteria may receive higher rates and the prospect going elsewhere. If you listen closely, the ads state “people that switch” but not “everyone who gets a quote” will save that much if they switch. That’s the way companies can truthfully make the claims of big savings. This illustrates why it’s extremely important to compare quotes as often as possible. It’s impossible to know which company will provide you with the cheapest auto insurance rates.

Car insurance coverages explained

Learning about specific coverages of a car insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages available from car insurance companies.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like doctor visits, chiropractic care, pain medications and nursing services. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision coverage pays for damage to your Rabbit from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, scraping a guard rail, hitting a mailbox, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, hail damage, hitting a bird, a broken windshield and theft. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

This provides protection from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims like funeral expenses, structural damage, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your 2009 Volkswagen Rabbit.

Due to the fact that many 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 a good idea.

Money doesn’t grow on trees

Budget-conscious 2009 Volkswagen Rabbit insurance can be sourced from both online companies in addition to many insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance companies do not offer online price quotes and most of the time these regional insurance providers only sell coverage through independent insurance agencies.

You just learned some good ideas how you can shop for 2009 Volkswagen Rabbit insurance online. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even find the lowest car insurance rates are with a small local company. Smaller companies often have lower premium rates on specific markets than the large multi-state companies such as Progressive or Geico.

Additional auto insurance information is located below:

• Rental Reimbursement Coverage (Allstate)
• Choosing a Car for Your Teen (State Farm)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)