2001 Volkswagen EuroVan Insurance Cost – 8 Discounts for Cheapest Prices

Want lower insurance rates for your Volkswagen EuroVan? Perplexed by the sheer number of insurance options? You’re not the only one! There are so many choices that it can easily become a real hassle to find the lowest price.

Auto Insurance Comparisons

Effectively comparing auto insurance prices can take hours if you don’t utilize the fastest way to get free quotes. You can waste a lot of time talking to insurance agencies in your area, or you could save time and use online quotes to get prices fast.

Most of the larger companies participate in an industry program where insurance shoppers send in one quote, and each participating company then gives them pricing based on that data. This eliminates the need for form submissions for every auto insurance company.

To compare pricing click here to start a free quote.

The only drawback to comparing rates this way is that consumers can’t choose which companies you want pricing from. If you wish to select specific insurance companies to compare, we have a page of low cost auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, ensure you’re using apples-to-apples coverage information for each comparison quote. If you are comparing differing limits it’s not possible to decipher which rate is best. Having just a slight variation in limits can mean a large discrepancy in price. And when comparing auto insurance rates, know that getting more free quotes will enable you to find a better price.

Insurance myths debunked

State Farm and Allstate regularly use ads on television and other media. All the companies make the same claim of big savings if you move your policy. But how can every company make the same claim? This is how they do it.

Different companies have a certain “appetite” for the type of customer that is profitable for them. For instance, a desirable insured could be over the age of 40, a clean driving record, and chooses high deductibles. A customer who matches those parameters will get the preferred rates and therefore will save a lot of money.

Potential customers who don’t measure up to the requirements must pay more money which usually ends up with the driver buying from a lower-cost company. The ads state “customers that switch” not “people who quote” save that much. This is how companies can truthfully claim big savings. This illustrates why you should get as many quotes as possible. It’s impossible to know which insurance companies will give you the biggest savings on Volkswagen EuroVan insurance.

How to save on Volkswagen EuroVan insurance

Companies offering auto insurance do not list all available discounts very clearly, so we break down both well-publicized as well as the least known ways to save on auto insurance.

  • Life Insurance – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Defensive Driving Course – Taking a defensive driving course could save 5% or more depending on where you live.
  • Accident Free – Claim-free drivers pay much less when compared with accident-prone drivers.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you may earn at least 10% off all policies.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. This discount can apply well after school through age 25.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

To see a list of insurers who offer auto insurance discounts, click this link.

Tailor your coverage to you

When buying the best insurance coverage coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions might help in determining whether your personal situation would benefit from professional advice.

  • When can my company non-renew my policy?
  • Do I need special endorsements for business use of my vehicle?
  • Are my friends covered when driving my car?
  • Is pleasure use cheaper than using my 2001 Volkswagen EuroVan to commute?
  • How much underlying liability do I need for an umbrella policy?
  • Do I need higher collision deductibles?
  • I have a DUI can I still get coverage?
  • Is my teenager covered with friends in the car?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Insurance coverages 101

Knowing the specifics of insurance can be of help when determining the best coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Auto liability – This coverage provides protection from damages or injuries you inflict on other people or property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as pain and suffering, funeral expenses, medical expenses, structural damage and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical expense coverage – Med pay and PIP coverage kick in for bills for hospital visits, X-ray expenses and doctor visits. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Volkswagen EuroVan.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. 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 hitting a bird, hitting a deer, damage from getting keyed and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with a tree, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Take this to the bank

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at the best price while still protecting your assets.

We’ve covered many tips how you can reduce 2001 Volkswagen EuroVan insurance prices online. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. Drivers may discover the most savings is with some of the smallest insurance companies.

Cheaper insurance is possible online as well as from independent agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

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