Compare 1993 Volkswagen Cabriolet Car Insurance Rates
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Benji Carr
Former Licensed Life Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
Former Licensed Life Insurance Agent
UPDATED: Oct 8, 2015
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 8, 2015
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Are you drained from not being able to scrape enough together to buy insurance? You have the same problem as many other people. Many auto insurance companies compete for your insurance dollar, so it’s not easy to compare every company and get the definite best rate
Consumers need to shop coverage around at least once a year because insurance prices fluctuate regularly. Just because you found the best quotes on Cabriolet insurance six months ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because we’re going to show you the easiest way to properly buy coverages and cut your premium.
Do you qualify for discounts?
Car insurance companies don’t list all possible discounts very well, so the list below gives a summary of both well-publicized as well as some of the hidden discounts that you can inquire about if you buy insurance coverage online. If you don’t get every credit you qualify for, you may be paying too high a price.
- Buy New and Save – Adding a new car to your policy may earn a small discount since new vehicles have better safety ratings.
- Anti-lock Brake System – Anti-lock brake equipped vehicles are much safer to drive and qualify for as much as a 10% discount.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it will make them better drivers and lower rates.
- Senior Citizen Rates – Drivers that qualify as senior citizens may receive lower premium rates on Cabriolet insurance.
- Distant Student – Older children who are attending college and do not take a car to college could qualify for this discount.
- Fewer Miles Equal More Savings – Driving less could be rewarded with discounted insurancerates on garaged vehicles.
- Military Deployment Discount – Having an actively deployed family member could qualify you for better insurance rates.
- No Claim Discounts – Drivers with accident-free driving histories get the best insurance rates as compared to accident-prone drivers.
It’s important to note that most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, it’s just not the way it works. But all discounts should help lower the premium cost.
Car insurance companies that may offer most of the discounts above may include but are not limited to:
It’s a good idea to ask every insurance company which discounts can lower your rates. Some of the discounts discussed earlier might not apply in every state. To view insurance companies with discount rates, click here.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Cheap auto insurance quotes
All major auto insurance companies like Progressive, Allstate and Geico make it easy to get pricing on the web. The process is fairly straightforward as you simply enter your coverage preferences into the quote form. Once entered, the quote system pulls your driving record and credit report and generates pricing information based on these and other factors. Online price quotes simplifies rate comparisons, but having to visit a lot of sites and type in your information can be a bit repetitive. But it is imperative to do this if you are searching for lower prices.
A more efficient way to compare auto insurance pricing requires only one form that obtains quotes from several different companies. It’s a real time-saver, helps eliminate reptitive entry, and makes quoting online much more enjoyable. Immediately after you send the form, it is quoted and you can choose any of the resulting price quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. This process takes less than 15 minutes and you will know how your current rates stack up.
If you want to compare rates using this form now, click here to open in a new tab and begin entering your coverage information. If you have a policy now, it’s recommended you copy your coverages as shown on your current policy. This way, you are getting rate quotes for similar insurance coverage.
Informed drivers know how to get insurance coverage cheaper
An important part of buying insurance is that you know the different types of things that play a part in calculating your policy premiums. If you know what positively or negatively impacts your premiums, this enables you to make decisions that could help you find cheaper rates.
The itemized list below are some of the factors insurance coverage companies consider when setting rates.
- Lower rates for married couples – Having a significant other may earn you lower rates when buying insurance coverage. Having a significant other is viewed as being less irresponsible it has been statistically shown that being married results in fewer claims.
- Theft deterrents save – Owning a car that has an advanced theft prevention system can help lower your rates. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
- Liability coverage limits should be high – Your insurance coverage policy’s liability coverage will afford coverage if a jury decides you are liable for physical damage or personal injury to other. Liability insurance provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
- Your address can push rates up or down – Having an address in a rural area has it’s advantages when buying insurance coverage. Less people translates into fewer accidents as well as less vandalism and auto theft. Drivers in populated areas have to deal with more aggressive driving styles and much longer commute distances. More time on the road means a statistically higher chance of an accident.
- Proper usage rating affects rates – Driving a lot of miles in a year’s time the more you’ll pay to insure your vehicle. A lot of companies calculate rates determined by how the vehicle is used. Vehicles that do not get driven very much can get a lower rate as compared to vehicles used primarily for driving to work. Make sure your declarations sheet correctly shows the correct driver usage, because improper ratings can cost you money. Having the wrong rating on your Cabriolet may be wasting your money.
Don’t assume everyone needs the same auto insurance coverage
When buying adequate coverage, there really is no cookie cutter policy. Each situation is unique so this has to be addressed. Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.
- What can I do if my company denied a claim?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Am I covered if my car is in a flood?
- Does car insurance cover theft of personal property?
- Is business property covered if stolen from my car?
- What is an SR-22 filing?
- Why am I required to buy high-risk coverage?
- At what point should I drop full coverage?
- When should I not file a claim?
- Can my babysitter drive my car?
If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Tricks in insurance coverage advertising
Drivers can’t avoid all the ads that promise big savings for switching by Progressive, Allstate and Geico. They all seem to advertise claims about savings if you change to them.
Is it even possible that every company can cost less than your current company? Just pay attention to how they say it.
Most companies have strict underwriting profiles for a prospective insured that will be a good risk. A good example of a desirable risk might be described as over the age of 40, has no prior claims, and the vehicle is rated for pleasure use. Someone that matches those criteria will get a cheap rate quote and will also cut their rates if they switch.
Potential customers who don’t measure up to those criteria may be forced to pay a more expensive rate and ends up with the prospect going elsewhere. The wording the ads use say “customers that switch” but not “all drivers who get quotes” can save as much as they claim. That’s why companies can truthfully advertise the way they do. Because every company is different, drivers must do a rate comparison at every renewal. You cannot predict which company will be your best fit.
Detailed coverages of your insurance policy
Understanding the coverages of insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average insurance policy.
Comprehensive coverage
This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a bird, fire damage, rock chips in glass and hail damage. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Volkswagen Cabriolet.
Since a lot of drivers only carry the minimum required liability 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.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as pain medications, prosthetic devices, rehabilitation expenses and surgery. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Liability coverages
This coverage will cover damage that occurs to other’s property or people. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.
Liability insurance covers things like repair bills for other people’s vehicles, court costs, repair costs for stationary objects, medical expenses and structural damage. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.
Collision coverage
Collision coverage covers damage to your Cabriolet resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as driving through your garage door, damaging your car on a curb, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.
Stretch your dollar
When shopping online for car insurance, it’s a bad idea to reduce coverage to reduce premium. There are too many instances where an insured cut comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your goal is to buy a smart amount of coverage at the best cost, not the least amount of coverage.
Cheap 1993 Volkswagen Cabriolet insurance is available from both online companies as well as from insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies may not have online quoting and usually these smaller providers only sell through independent agents.
For more information, feel free to visit the articles below:
- Avoiding Deer Collisions (Insurance Information Insitute)
- A Tree Fell on Your Car: Now What? (Allstate)
- Understanding Car Crashes Video (iihs.org)
- No-Fault Auto Insurance Statistics (Insurance Information Insitute)
- Rental Car Insurance Tips (Insurance Information Insitute)
Enter your zip code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Benji Carr
Former Licensed Life Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
Former Licensed Life Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.