1991 Volkswagen Cabriolet Car Insurance Quotes

Are you regretting the purchase of overpriced auto insurance? It’s quite common and many drivers have buyer’s remorse. Vehicle owners have many insurers to purchase coverage from, and though it is a good thing to be able to choose, more options can take longer to find the lowest cost provider.

Shopping for the lowest cost coverage is not that difficult. If you have insurance now or need a new policy, you can use this information to reduce the price you pay and possibly find even better coverage. Drivers only need to know how to get comparison rates over the internet.

Are you qualifying for every discount?

The price of auto insurance can be rather high, but there could be available discounts that may help make it more affordable. Certain discounts will be applied when you purchase, but occassionally some discounts must be asked about before you will receive the discount.

• Government Employee Discount – Federal government employees could cut as much as 10% off on Cabriolet coverage with some car insurance companies.
• Claim-Free Discount – Insureds who avoid accidents and claims get the best car insurance rates when compared with accident-prone drivers.
• Payment Discounts – By paying your entire bill at once instead of paying each month you could save up to 5%.
• Save over 55 – Drivers that qualify as senior citizens could receive reduced rates on Cabriolet coverage.
• Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft and will qualify for a discount on a insurance quote.
• Homeowners Pay Less – Just owning your own home can save a few bucks because of the fact that having a home requires personal responsibility.

As a sidenote, most credits do not apply to the entire cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A few popular companies and a partial list of their discounts are included below.

• AAA offers discounts including anti-theft, AAA membership discount, multi-policy, pay-in-full, good driver, good student, and education and occupation.
• Progressive may have discounts that include homeowner, multi-policy, online quote discount, multi-vehicle, online signing, and good student.
• State Farm policyholders can earn discounts including good driver, anti-theft, accident-free, Steer Clear safe driver discount, and good student.
• Esurance has discounts for paid-in-full, safety device, anti-lock brakes, online quote, renters, emergency road assistance, and good driver.
• Nationwide may include discounts for defensive driving, Farm Bureau membership, multi-policy, accident-free, good student, and easy pay.

Double check with every insurance company which credits you are entitled to. Some of the discounts discussed earlier may not be available everywhere.

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Volkswagen Cabriolet insurance costs can be lower

Part of the insurance buying process is learning some of the elements that play a part in calculating your premiums. If you know what impacts premium levels, this helps enable you to make changes that may result in lower premium levels.

• Prevent policy lapses – Having an insurance coverage lapse will be a guaranteed way to increase your rates. Not only will you pay more, getting caught without coverage could result in fines and jail time.
• Better drivers pay better rates – Attentive drivers have lower premiums compared to bad drivers. Just one speeding ticket or other violation may cause rates to rise twenty percent or more. Drivers who have multiple violations such as DUI or willful reckless driving may need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to prevent their license from being revoked.
• Are women or men drivers cheaper? – Over the last 50 years, statistics have shown females are less aggressive when driving. This data doesn’t prove that men are WORSE drivers than women. Females and males have fender benders at a similar rate, but guys get into accidents with more damage. They also receive more major tickets like DUI and reckless driving. Teenage male drivers tend to get in the most accidents so it costs more to insure them.
• Put fewer miles on your vehicle – Driving more miles each year the more you will pay for insurance. Almost all companies apply a rate based on how the vehicle is used. Cars and trucks used primarily for pleasure use can get a lower rate than vehicles that have high annual mileage. Improper usage on your Cabriolet can cost quite a bit. Make sure your insurance policy reflects the correct usage for each vehicle, because improper ratings can cost you money.
• Avoid unnecessary incidental coverages – There are quite a few additional extra coverages that sound like a good idea at the time if you don’t pay attention. Coverages like vanishing deductibles, towing coverage, and term life insurance are examples of these. You may think they are a good idea when discussing your needs, but your money might be better spent on other coverage so eliminate them to save money.
• Theft deterrents save – Driving a car that has a built-in theft deterrent system can help lower your premiums. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft.

When in doubt talk to an agent

When it comes to buying adequate coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that can help discover if you will benefit from professional help.

• How high should my uninsured/underinsured coverage be in my state?
• Should I have a commercial auto policy?
• Are split liability limits better than a combined single limit?
• Can I still get insurance after a DUI?
• Is my dog or cat covered if injured in an accident?
• Should I buy only the required minimum liability coverage?
• How much can I save by bundling my policies?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Save $474 a year. For real?

Drivers can’t get away from all the ads for cheaper car insurance from the likes of Progressive, Geico, Allstate and State Farm. They all seem to advertise the message about saving some big amount if you switch your coverage.

That’s great but how can every company claim to save you money? You have to listen carefully.

Insurance providers have specific characteristics for the type of customer they prefer to insure. A good example of a driver they prefer should be a female over age 40, carries full coverage, and the vehicle is rated for pleasure use. Any customer who fits those characteristics will most likely get cheap prices and as a result will probably save a lot of money.

Insureds who do not meet these stringent criteria will see higher rates which usually ends up with business going elsewhere. If you pay close attention to the ads, they say “people who switch” not “everyone that quotes” save that much when switching. This is how insurance companies can confidently make it sound like they have such great rates.

Because each company has a different risk profile, it’s extremely important to get insurance quotes from several different companies. It is impossible to guess the company that will have the best prices for your profile.

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What insurance coverages do you need?

Having a good grasp of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on most insurance policies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses for surgery, nursing services, chiropractic care and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability coverage

Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims like attorney fees, court costs, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your 1991 Volkswagen Cabriolet.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage protection

This coverage pays for damage to your Cabriolet from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a ditch, driving through your garage door, damaging your car on a curb, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, hitting a deer, vandalism and falling objects. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Be Smart and Buy Smart

When getting insurance quotes online, it’s very important that you do not reduce coverage to reduce premium. Too many times, consumers will sacrifice comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

You just learned many ways to compare 1991 Volkswagen Cabriolet insurance car insurance rates online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. Drivers may discover the best car insurance rates are with an unexpected company. They may have significantly lower premium rates on certain market segments as compared to the big name companies such as Allstate, Geico and Progressive.

Discount 1991 Volkswagen Cabriolet insurance can be bought both online and from local insurance agents, and you should be comparing both to have the best selection. Some insurance providers may not have online rate quotes and these small insurance companies only sell through local independent agencies.

Other resources

• Vehicle Size and Weight FAQ (iihs.org)
• Insuring a Leased Car (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Distracted Driving Extends Beyond Texting (State Farm)
• Information for Teen Drivers (Geico)

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