View 2003 Volkswagen EuroVan Insurance Rates

Finding the cheapest insurance for your Volkswagen EuroVan could be an all-consuming task, but you can use our insurance buying tips to make it easier.

There is a better way to buy insurance and we’ll show you the absolute fastest way to price shop coverage for your Volkswagen and find the cheapest rates from local insurance agents and online providers.

It’s smart to compare rates before your next renewal since insurance prices fluctuate regularly. Even if you got the lowest rate on Eurovan coverage a couple years back the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about insurance because you’re about to find out the best methods to get good coverage at a lower rate.

Eight things that influence your insurance rates

It’s important that you understand some of the factors that go into determining the price you pay for car insurance. If you know what impacts premium levels, this allows you to make good choices that will entitle you to lower premium levels.

The factors shown below are most of the major factors that factor into your rates.

• Premiums are affected by your credit rating – A driver’s credit score can be an important factor in your rate calculation. Insureds that have good credit tend to be better risks to insure than drivers with bad credit. If your credit score can be improved, you may save money insuring your 2003 Volkswagen EuroVan by spending a little time repairing your credit.
• Stay claim-free and lower car insurance rates – If you frequently file small claims, you can look forward to either higher rates or even cancellation. Car insurance companies award the best rates to people who are not frequent claim filers. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
• Don’t let your policy lapse – Not maintaining insurance is a misdemeanor and car insurance companies will penalize you for letting your coverage lapse. Not only will you pay higher rates, getting caught without coverage could result in a revoked license or a big fine.
• Commute or pleasure use – The more you drive your Volkswagen each year the higher your rate. Most insurance companies price each vehicle’s coverage based on their usage. Autos that are left in the garage receive better premium rates than those used for commuting. Make sure your declarations sheet correctly shows the correct usage, because it can save money. Having the wrong rating on your EuroVan is throwing money out the window.
• Which gender costs less? – Over time, data shows that females tend to be a little less risky than males. This data doesn’t prove that women are BETTER drivers than men. Women and men cause fender benders in similar numbers, but males tend to have more serious accidents. Men also tend to get higher numbers of serious violations like DWI (DUI) or reckless driving.
• Older drivers are lower risk – Beginning drivers are known to be less responsible when driving so car insurance rates are higher. Adding a inexperienced driver onto your car insurance can cause a big jump in price. Older drivers are more responsible, tend to file fewer claims and are safer drivers.
• Discounts for multiple policies – Some insurers give lower prices to people who carry more than one policy in the form of a multi-policy discount. Discounts can be 10 percent or more. Even with this discount applied, you still need to compare other insurance prices to make sure you are getting the best deal.
• Where you live – Having an address in a small town can be a good thing when talking about car insurance. Drivers who live in large cities have to deal with more road rage incidents and more time behind the wheel. Less people means less chance of accidents as well as less vandalism and auto theft.

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How to buy insurance coverage online

Finding a better price on insurance coverage is an easy way to save money. Consumers just need to spend a few minutes on the computer comparing price quotes to find. This can easily be done in several different ways.

1. Without a doubt, the easiest way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This method keeps you from doing separate quote forms for each company you want a rate for. Completing one form gets rate comparisons from multiple companies. This is by far the quickest method.
2. A more time consuming way to analyze rates is going to the website for each individual company and repeat the quote process again and again. For examples sake, we’ll assume you need rates from USAA, Geico and Farmers. To get rate quotes you would need to spend time going to each site individually to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.

How you compare quotes is your choice, just try to keep exactly the same information with each company. If each company quotes unequal deductibles or liability limits it will be very difficult to determine which company has the best rates.

Beware of misleading auto insurance ads

Drivers constantly see and hear ads for the lowest price auto insurance by companies like State Farm and Allstate. All the ads state the claim that people will save if you switch your policy.

How does every auto insurance company say the same thing? It’s all in the numbers.

Many companies have specific criteria for the type of insured that will add to their bottom line. For instance, a desirable insured might be between the ages of 30 and 50, owns a home, and drives less than 5,000 miles a year. A customer who meets those qualifications will probably get the lowest rates and will probably save quite a bit of money when switching.

People who fall short of the requirements will have to pay a higher rate which usually ends up with the customer not purchasing. The trick companies use is to say “drivers who switch” but not “everyone who gets a quote” save that kind of money. This is how companies can claim big savings.

Because of this risk profiling, you should do a price quote comparison at every renewal. Because you cannot predict which auto insurance company will have better rates than you’re paying now.

Save a ton by applying discounts

Car insurance is neither fun to buy or cheap, but there may be some discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time you complete a quote, but a few must be requested specifically before they will apply.

• Online Discount – A handful of companies give back up to $50 just for signing your application on the internet.
• Defensive Driver – Taking time to complete a defensive driver class could save 5% or more and easily recoup the cost of the course.
• Student Driver Training – Have your child sucessfully take a drivers education course as it will make them better drivers and lower rates.
• Discount for Life Insurance – Insurance carriers who offer life insurance give a small discount if you purchase life insurance from them.
• Active Military Service – Being on active deployment in the military may qualify for rate reductions.
• Resident Student – Any of your kids living away from home attending college without a vehicle on campus could get you a discount.
• ABS Brakes – Vehicles that have anti-lock braking systems are safer to drive and the ABS can save up to 10%.
• 55 and Retired – Drivers that qualify as senior citizens can possibly qualify for reduced rates on Eurovan coverage.
• Seat Belts Save more than Lives – Drivers who require all vehicle occupants to wear their seat belts can save 10% or more off the PIP or medical payment premium.

One thing to note about discounts is that some of the credits will not apply to your bottom line cost. Some only apply to individual premiums such as collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business. Any qualifying discounts will positively reduce your policy premium.

Popular car insurance companies and their offered discounts are detailed below.

• Geico offers discounts for seat belt use, emergency military deployment, five-year accident-free, anti-lock brakes, and good student.
• MetLife policyholders can earn discounts including good driver, defensive driver, multi-policy, good student, and claim-free.
• Progressive may have discounts that include online signing, multi-policy, good student, continuous coverage, online quote discount, and multi-vehicle.
• Travelers has savings for IntelliDrive, new car, payment discounts, driver training, good student, and continuous insurance.
• SAFECO discounts include teen safety rewards, multi-car, drive less, anti-lock brakes, safe driver, and homeowner.
• AAA has discounts for multi-policy, AAA membership discount, anti-theft, good driver, good student, and pay-in-full.

Before buying, ask all companies you are considering how many discounts you can get. All car insurance discounts may not be available in your area. To find insurance companies that have a full spectrum of discounts, follow this link.

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Your auto insurance coverage should be tailored to you

When buying coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether you would benefit from an agent’s advice.

• Can I afford to pay high deductible claims out of pocket?
• Am I covered if I wreck a rental car?
• Does my policy cover my teen driver if they drive my company car?
• What vehicles should carry emergency assistance coverage?
• Do I need replacement cost coverage on my 2003 Volkswagen EuroVan?
• What can I do if my company won’t pay a claim?
• Does coverage extend to a rental car in a foreign country?
• What discounts do I qualify for?
• Should I get collision insurance on every vehicle?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Coverages available on your policy

Understanding the coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Auto liability insurance

Liability coverage will cover damage that occurs to a person or their property. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims like emergency aid, court costs, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Collision protection

Collision insurance will pay to fix damage to your EuroVan caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sideswiping another vehicle, driving through your garage door, rolling your car, damaging your car on a curb and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for chiropractic care, rehabilitation expenses, prosthetic devices, doctor visits and hospital visits. They can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen EuroVan.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, theft and damage from a tornado or hurricane. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Compare but don’t skimp

Some car insurance companies may not provide price quotes online and most of the time these small insurance companies sell through independent insurance agencies. Low-cost 2003 Volkswagen EuroVan insurance can be bought on the web in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis.

As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. Too many times, consumers will sacrifice full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage at a price you can afford, but do not sacrifice coverage to save money.

Throughout this article, we presented some good ideas how you can get a better price on 2003 Volkswagen EuroVan insurance. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the best prices are with some of the lesser-known companies.

More tips and info about car insurance can be read by following these links:

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)
• Safety Belts FAQ (iihs.org)

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