1997 Volkswagen EuroVan Insurance Rates – 6 Tips for Best Quotes

Overpriced Volkswagen EuroVan insurance can take a big chunk out of your checking account and put the squeeze on your family’s finances. Comparison shopping is a great way to cut your insurance bill.

Many auto insurance companies vie for your business, so it can be very hard to choose a company to get the best rates possible.

It is always a good idea to do rate comparisons yearly because insurance rates change frequently. Despite the fact that you may have had the best price for Eurovan insurance a year ago there may be better deals available now. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to one of the quickest ways to reduce your cost while improving coverage.

The best way to compare car insurance rates is to know all the major auto insurance companies pay for the opportunity to compare their rates. The only thing you need to do is provide a little information including which vehicles you own, whether you have decent credit, distance driven, and whether you are single or married. Your rating data is instantly sent to multiple car insurance providers and they return quotes instantly.

Discounts are basically free money

Insuring your vehicles can cost a lot, but there could be available discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be inquired about in order for you to get them.

  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for Eurovan insurance.
  • Own a Home – Owning a home can help you save on insurance due to the fact that maintaining a home requires personal responsibility.
  • Memberships – Affiliation with a qualifying organization may earn a discount on insurance for Eurovan insurance.
  • Multiple Policy Discount – If you insure your home and vehicles with one insurance company you may earn up to 20% off your total premium.
  • Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less for Eurovan insurance than drivers with accidents.
  • Claim Free – Drivers who don’t have accidents can earn big discounts when compared to drivers who are more careless.

Consumers should know that most credits do not apply to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. So when it seems like you can get free auto insurance, companies don’t profit that way. Any qualifying discounts will help reduce the amount you have to pay.

Insurance companies who might offer some of the above discounts include:

Before buying, ask each company how you can save money. All car insurance discounts may not be available in your area.

Which insurance is the “right” coverage?

When it comes to choosing adequate coverage, there is no cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your situation might need professional guidance.

  • Is my 1997 Volkswagen EuroVan covered for flood damage?
  • How do I buy GAP insurance?
  • Am I covered when driving someone else’s vehicle?
  • How does medical payments coverage work?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered if I break a side mirror?
  • Should I sign the liability waiver when renting a car?
  • Do I need replacement cost coverage?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Specific coverages for a Volkswagen EuroVan

Understanding the coverages of auto insurance can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages offered by auto insurance companies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses for surgery, prosthetic devices, X-ray expenses, funeral costs and EMT expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

UM/UIM Coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 1997 Volkswagen EuroVan.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Auto liability insurance

This coverage protects you from damage that occurs to other’s property or people by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like funeral expenses, medical services, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, falling objects, damage from a tornado or hurricane and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage protection

This coverage covers damage to your EuroVan resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a mailbox, colliding with a tree, colliding with another moving vehicle, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Do the work, save more money

When shopping online for auto insurance, never buy poor coverage just to save money. In many cases, consumers will sacrifice collision coverage only to discover later that the savings was not a smart move. Your aim should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

Throughout this article, we presented some good ideas how you can get a better price on 1997 Volkswagen EuroVan insurance. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. Consumers may even find the lowest premiums are with a lesser-known regional company. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive and Geico.

The cheapest insurance is attainable both online and with local insurance agents, so compare prices from both in order to have the best chance of saving money. Some companies do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.

Much more information about auto insurance is available on the following sites: