1991 Volkswagen Corrado Car Insurance Rates – 9 Ideas for Cheaper Quotes

Trying to find lower auto insurance rates for your Volkswagen Corrado? Searching for low-cost insurance for your Volkswagen Corrado can be a painful process, but you can learn a few tricks and make it easy.

There are more efficient ways to find auto insurance online so we’re going to tell you the proper way to compare rates for a new or used Volkswagen and find the cheapest rates from both online companies and local agents.

Smart consumers take time to price shop coverage on a regular basis due to the fact that insurance rates trend upward over time. Even if you think you had the lowest rates on Corrado insurance a few years ago a different company probably has better rates today. So ignore everything you know about auto insurance because you’re going to get a crash course in how to use the internet to save money, get proper coverage and the best rates.

Save money by taking advantage of these nine discounts

Car insurance can cost a lot, but companies offer discounts that many people don’t even know exist. Most are applied when you get a quote, but a few must be requested specifically prior to getting the savings. If you’re not getting every credit possible, you are paying more than you should be.

  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • College Student – Children living away from home attending college and do not have a car can be insured at a reduced rate.
  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident without raising rates if you are claim-free for a certain period of time.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Corrado insurance than less cautious drivers.
  • Early Switch Discount – Select companies give a discount for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • E-sign – A few companies will give a small break just for signing your application online.
  • Senior Citizens – Mature drivers may be able to get a discount up to 10% on Corrado insurance.
  • Club Memberships – Affiliation with a civic or occupational organization is a good way to get lower rates when shopping for insurance coverage on Corrado insurance.

Keep in mind that many deductions do not apply to the entire cost. A few only apply to individual premiums such as comp or med pay. Just because it seems like it’s possible to get free car insurance, you’re out of luck. Any amount of discount will cut your overall premium however.

For a list of providers who offer insurance coverage discounts, click here to view.

When should I use an insurance agent?

When choosing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining if you may require specific advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I bundle my homeowners policy with my auto?
  • Am I covered when driving a rental car?
  • What can I do if my company won’t pay a claim?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I wreck a rental car?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Misconceptions in insurance coverage advertisements

Consumers can’t ignore all the ads for the lowest price auto insurance by State Farm, Geico and Progressive. All the companies make the same claim that you’ll save big if you move to their company.

But how can every company make the same claim? This is how they do it.

All companies have a certain “appetite” for the driver that earns them a profit. For example, a profitable customer might be between the ages of 30 and 50, has no prior claims, and drives newer vehicles. Any driver who matches those parameters receives the best rates and therefore will save when switching.

Consumers who are not a match for these standards will have to pay more money and this can result in the driver buying from a lower-cost company. The ad wording is “people who switch” but not “drivers who get quotes” save that much. That is how companies can truthfully state the savings.

Because of the profiling, you need to compare as many rates as you can. Because you never know which insurance companies will fit your personal profile best.

Auto insurance coverages 101

Having a good grasp of a auto insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision insurance

This covers damage to your Corrado from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with another moving vehicle, backing into a parked car, colliding with a tree, driving through your garage door and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like surgery, nursing services, EMT expenses, hospital visits and pain medications. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This coverage will pay to fix 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 can pay for things such as hitting a deer, fire damage, a broken windshield and falling objects. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability

This protects you from injuries or damage you cause to people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as bail bonds, structural damage, attorney fees, emergency aid and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This gives you protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 1991 Volkswagen Corrado.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently these coverages are set the same as your liablity limits.

Shop around and save

In this article, we presented quite a bit of information on how to compare 1991 Volkswagen Corrado insurance prices online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Drivers may discover the lowest rates come from some of the smallest insurance companies.

Cheaper insurance can be sourced online and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who do not offer online quoting and these small insurance companies work with independent agents.

As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. There are many occasions where drivers have reduced full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Much more information about insurance coverage is available at these links: