Cheap 1998 Volkswagen Cabrio Insurance Cost

Having to pay for overpriced Volkswagen Cabrio insurance can overdraw your personal savings and make it impossible to make ends meet. Comparing price quotes is a smart way to reduce premiums and put more money in your pocket.

Online insurance companies like State Farm, Allstate, Geico and Progressive persitently shower you with catchy ads and consumers find it hard to ignore the flashy ads and do the work needed to find the best deal.

If you currently have car insurance, you should be able to cut costs considerably using these techniques. Finding the best rates is not that difficult. Nevertheless, consumers need to learn the way companies market on the web and take advantage of how the system works.

Take advantage of discounts

Insurance can cost an arm and a leg, but you may find discounts that you may not even be aware of. Some trigger automatically when you purchase, but some may not be applied and must be asked for in order for you to get them.

  • Own a Home – Being a homeowner may trigger a auto insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you may earn 10% to 20% off each policy.
  • Student Driver Training – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • Multiple Vehicles – Having multiple vehicles on one policy could earn a price break for each car.
  • Sign Online – A few companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will cut your premiums.

To see a list of insurance companies with the best auto insurance discounts, click here to view.

Fast and Easy Car Insurance Quotes

Comparing car insurance rates can be a daunting task if you aren’t aware of the best way to get rate quotes. You can spend countless hours talking to local insurance agents in your area, or you can utilize online quotes to accomplish the same thing much quicker.

All the larger companies participate in an industry program where insurance shoppers enter their policy data once, and every company provides a quote based on that information. This prevents consumers from doing quotation requests for each company.

To compare 1998 Volkswagen Cabrio rates now click here to start a free quote.

The one disadvantage to doing it this way is you are unable to specify the companies you want pricing from. If you prefer to choose specific providers for rate comparison, we have a page of companies who write car insurance in your area. View list of insurance companies.

However you get your quotes, be sure to compare the exact same coverage limits for each price quote. If each company quotes different liability limits then you won’t be able to determine which rate is truly the best. Having just a slight variation in coverages can make a big difference in price. And when quoting car insurance, remember that comparing a large number of companies will improve the odds of getting a better price.

Why your Volkswagen Cabrio might be costing you more

Consumers need to have an understanding of the different types of things that go into determining insurance coverage rates. When you know what positively or negatively determines base rates allows you to make educated decisions that may reward you with big savings.

  • Your job and insurance rates – Did you know that where you work can have an impact on rates? Occupations such as lawyers, business owners and financial analysts tend to pay higher average rates because of job stress and long work days. Conversely, professions such as pilots, engineers and performers have the lowest average rates on Cabrio coverage.
  • Drive a safer car and pay less – Vehicles with high crash test scores can get you lower premiums. The safest vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company and thus lower rates. If your Volkswagen is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • With age comes lower rates – Teenage drivers are known to get distracted easily in a vehicle so insurance coverage rates are higher. Mature drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
  • Pay less if you’re married – Having a wife or husband actually saves money when buying insurance coverage. It usually means you are more mature it has been statistically shown that drivers who are married are more cautious.
  • Don’t buy coverages you don’t need – There are a ton of add-on coverages that you can buy when buying insurance coverage. Insurance for vanishing deductibles, towing coverage and term life insurance may be wasting your money. These may sound like a good investment when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
  • What are your deductibles? – The deductibles define the amount you are willing to pay before your insurance coverage pays a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some instances where coverage would apply would be running into the backend of another car, collision with an animal, or theft. The more you are required to pay out-of-pocket, the less your company will charge you for insurance on Cabrio coverage.
  • Men pay higher rates – Statistics show that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. They both cause accidents in similar percentages, but the males have costlier accidents. They also get more serious tickets such as DWI and reckless driving. Teenage male drivers tend to get in the most accidents and therefore are the most expensive to insure.
  • Where you live is a factor – Choosing to live in less populated areas is a positive aspect when insuring your vehicles. Fewer people means reduced accidents and also fewer theft and vandalism claims. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Higher commute times can result in more accidents.

How to know if you need help

When choosing the best car insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions can help discover if your insurance needs might need an agent’s assistance.

  • Do I need replacement cost coverage?
  • Is extra glass coverage worth it?
  • Am I covered when using my vehicle for business?
  • Why am I required to buy liability insurance?
  • How much liability do I need to cover my assets?
  • Is my cargo covered for damage or theft?
  • Can my teen driver be rated on a liability-only vehicle?
  • How can I get my company to pay me more for my totalled car?
  • Should I put collision coverage on all my vehicles?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Are car insurance companies telling the truth?

21st Century, Allstate and State Farm continually stream ads on television and other media. All the companies make the same claim that you’ll save big after switching your coverage to them. How does each company make the same claim? This is how they do it.

All companies can use profiling for the type of driver that makes them money. For instance, a desirable insured might be over the age of 50, has no driving citations, and drives less than 7,500 miles a year. A customer that hits that “sweet spot” will qualify for the lowest rates and therefore will save quite a bit of money when switching.

Potential customers who are not a match for this ideal profile will have to pay higher premiums and ends up with business not being written. The ads say “customers who switch” not “people who quote” save money. This is how insurance companies can confidently advertise the savings.

Because of the profiling, drivers should quote coverage with many companies. You cannot predict which company will have the lowest Volkswagen Cabrio insurance rates.

Specific coverages for a 1998 Volkswagen Cabrio

Learning about specific coverages of your insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.

Liability auto insurance

Liability insurance protects you from damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair bills for other people’s vehicles, funeral expenses and repair costs for stationary objects. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Uninsured or underinsured coverage

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people 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. Frequently these coverages are identical to your policy’s liability coverage.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses like doctor visits, chiropractic care, EMT expenses, rehabilitation expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, fire damage, damage from flooding and damage from getting keyed. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto collision coverage

This pays for damage to your Cabrio from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as backing into a parked car, rolling your car, colliding with another moving vehicle, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

A penny earned…

We just showed you many tips how you can get a better price on 1998 Volkswagen Cabrio insurance. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with some of the smallest insurance companies. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as Progressive and Geico.

When buying insurance coverage, do not buy less coverage just to save a little money. There are too many instances where drivers have reduced physical damage coverage to discover at claim time that they should have had better coverage. The proper strategy is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Other resources