1997 Volkswagen Cabrio Insurance Rates

Trying to find the cheapest auto insurance rates for your Volkswagen Cabrio? Have you had enough of being strong-armed to pay your car insurance bill each month? You’re in the same situation as millions of other consumers.

Consumers have many insurers to pick from, and although it’s nice to have a choice, it can be more difficult to find the lowest cost provider.

Consumers need to price shop coverage on a regular basis due to the fact that insurance rates tend to go up over time. Despite the fact that you may have had the lowest rates on Cabrio insurance a year ago you can probably find a better price now. So just forget all the misinformation about auto insurance because it’s time to teach you how to use the internet to remove unneeded coverages and save money.

Car Insurance Comparisons

Effectively comparing car insurance prices can be a daunting task if you aren’t aware of the most efficient way to do it. You could waste time talking to insurance agencies in your area, or you could save time and use online quotes to get pricing more quickly.

Many popular insurance companies belong to a marketplace where prospective buyers submit one quote, and each company returns a competitive quote based on that data. This saves time by eliminating form submissions for each company. To find out how much you’re overpaying now click here (opens in new window).

One minor caviat to pricing coverage this way is you cannot specify which carriers to get quotes from. So if you prefer to choose individual companies to compare, we have a page of low cost car insurance companies in your area. Click to view list.

Which method you use is up to you, but make sure you use apples-to-apples coverage information for each comparison quote. If you use different deductibles you can’t possibly determine which rate is truly the best. Quoting even small variations in limits may cause a big price difference. And when comparison shopping, comparing a large number of companies helps locate a better price.

Discounts on Volkswagen Cabrio insurance

Companies don’t always publicize all their discounts very clearly, so we break down some of the best known as well as the least known savings tricks you should be using.

  • Early Switch Discount – A few companies offer discounts for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • No Accidents – Good drivers with no accidents can save substantially as compared to drivers who are more careless.
  • Clubs and Organizations – Being a member of certain professional organizations may earn a discount when shopping for insurance coverage on Cabrio insurance.
  • Safe Drivers – Safe drivers can pay as much as 50% less on Cabrio insurance than less cautious drivers.
  • Passive Restraints – Vehicles equipped with air bags may earn rate discounts of more than 20%.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Own a Home – Being a homeowner can save you money because owning a home demonstrates responsibility.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.

Drivers should understand that some of the credits will not apply the the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you can get free auto insurance, insurance coverage companies aren’t that generous.

A partial list of companies that may offer these benefits are:

Check with every prospective company what discounts are available to you. Some discounts may not apply everywhere.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is not a cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For instance, these questions might point out if your insurance needs might need an agent’s assistance.

  • Are there companies who specialize in insuring high-risk drivers?
  • Does coverage extend to my business vehicle?
  • Does liability extend to a camper or trailer?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I need rental car coverage?
  • Why does it cost so much to insure a teen driver?
  • Does medical payments coverage apply to all occupants?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Factors that can influence Volkswagen Cabrio insurance rates

It’s important that you understand the factors that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that will entitle you to big savings.

  • Little extras can really add up – There are a lot of extra bells and whistles that you can buy when buying auto insurance. Things like vanishing deductibles, towing coverage and term life insurance may be wasting your money. They may seem like a good idea when talking to your agent, but if they’re wasting money remove them from your policy.
  • More than one policy can earn a discount – Some insurance companies provide better rates to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to 10 percent or more. Even if you’re getting this discount you may still want to compare other company rates to confirm you are receiving the best rates possible.
  • Your location affects your rates – Choosing to live in a rural area is a positive aspect when talking about auto insurance. Fewer people means a lower chance of having an accident. Drivers in populated areas have more traffic problems and longer commute times. More time commuting can result in more accidents.
  • Safer cars are cheaper to insure – Vehicles with good safety scores are cheaper to insure. The safest vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company passed on to you as lower rates. If your Volkswagen Cabrio is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Low deductibles can be expensive – Your deductibles represent how much money you are willing to pay if you file a covered claim. Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your car. A few examples of covered claims are colliding with a building, collision with an animal, and windstorm damage. The more expense you have to pay, the lower your rates will be on Cabrio insurance.

Don’t listen to company ads

Companies like Progressive, Geico, Allstate and State Farm continually stream ads in print and on television. All the ads say the same thing of big savings after switching your policy. How does each company say the same thing? This is how they do it.

All the different companies are able to cherry pick for the type of customer they prefer to insure. For example, a desirable insured could possibly be over the age of 50, owns a home, and drives newer vehicles. A driver who fits that profile will get very good rates and therefore will save quite a bit of money when switching.

Potential insureds who do not match this ideal profile will be quoted higher rates and this can result in the driver buying from a lower-cost company. The ad wording is “customers who switch” but not “drivers who get quotes” save money. That’s why companies can truthfully make those claims. This emphasizes why you should compare many company’s rates. It is impossible to predict which company will have the lowest Volkswagen Cabrio insurance rates.

Parts of your insurance policy

Learning about specific coverages of your insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most insurance policies.

Auto liability insurance – Liability insurance can cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things such as bail bonds, loss of income, emergency aid, structural damage and medical expenses. How much liability should you purchase? That is your choice, but buy higher limits if possible.

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

Comprehensive coverage protects against claims like falling objects, damage from getting keyed, vandalism, a tree branch falling on your vehicle and theft. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – This coverage covers damage to your Cabrio from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with another moving vehicle, backing into a parked car, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like pain medications, ambulance fees, dental work and doctor visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – This gives you protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Volkswagen Cabrio.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

You can do this!

Affordable 1997 Volkswagen Cabrio insurance is definitely available online and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not offer online quoting and most of the time these smaller companies sell through independent agents.

Throughout this article, we presented many ideas to compare insurance prices online. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

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