2003 Volkswagen EuroVan Car Insurance Rates

Searching for lower insurance coverage rates for your Volkswagen EuroVan? Are you overwhelmed by the dozens of insurance coverage choices? Many other drivers are as well. You have so many companies to choose from that it can turn into a real challenge to find lower rates.

Finding affordable coverage is not rocket science. In a nutshell, every driver who shops for insurance will be able to lower their premiums. Although vehicle owners should learn how insurance companies market insurance on the web and apply this information to your search.

Insurance Quote Comparison

When shopping for insurance there are multiple ways to get quotes from different insurance companies. The easiest way to find competitive 2003 Volkswagen EuroVan insurance rates is to perform an online rate comparison. This can be accomplished using a couple different methods.

  1. The single most time-saving way to find low rates is an all-inclusive rate comparison click to view form in new window. This form keeps you from doing separate forms to each individual insurance company. A single form will return price quotes from multiple low-cost companies.It’s the quickest way to get rates.
  2. A more difficult way to compare rate quotes requires visiting each individual company website and complete a new quote form. For sake of this example, we’ll pretend you want to compare rates from Auto-Owners, Geico and Farmers. To get rate quotes you would need to take the time to go to each site and enter your policy data, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The least efficient way of comparing rate quotes is driving around to local insurance agencies. Shopping for insurance online makes this process obsolete unless you require the personal advice of a licensed agent. It is possible to find lower rates online but buy from a local insurance agent and we’ll cover that in a bit.

It’s up to you which method you use, but ensure you’re using exactly the same coverages on every quote you get. If you enter different liability limits then you won’t be able to decipher which rate is best. Just a small difference in insurance coverages may result in large price differences. And when quoting insurance, remember that comparing a large number of companies provides better odds of finding the best offered rates.

Can switching companies really save?

Insurance coverage providers like Allstate and Progressive continually stream television and radio advertisements. They all make the same claim that you can save after switching to their company. How can each company say the same thing?

Insurance companies can use profiling for the type of customer that is profitable for them. For instance, a desirable insured could possibly be over the age of 40, has no driving citations, and drives less than 10,000 miles a year. A propective insured who meets those qualifications gets the lowest rates and as a result will probably cut their rates substantially.

Drivers who fall outside the requirements will have to pay higher prices which usually ends up with the customer not buying. The ad wording is “drivers who switch” not “everyone that quotes” save money. That’s the way insurance companies can confidently make the claims of big savings. Because of the profiling, it is so important to compare many company’s rates. It’s not possible to predict which company will provide you with the cheapest Volkswagen EuroVan insurance rates.

Cut prices on 2003 Volkswagen EuroVan insurance

Companies that sell car insurance don’t always list every available discount in a way that’s easy to find, so we took the time to find some of the more common and the more hidden ways to save on insurance.

  • Distant Student – Kids in college living away from home attending college and do not have a car can be insured at a reduced rate.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more for Eurovan insurance than less cautious drivers.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Multiple Cars – Buying coverage for all your vehicles on one policy qualifies for this discount.

Keep in mind that many deductions do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.

A partial list of companies that may have these money-saving discounts are:

Before buying, ask every prospective company how you can save money. Savings may not be available in your area.

Tailor your coverage to you

When choosing proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions can help discover whether your personal situation would benefit from professional advice.

  • What discounts do I qualify for?
  • Am I covered by my spouse’s policy after a separation?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is an SR-22 filing?
  • Is my Volkswagen EuroVan covered if I use it for business?
  • Is pleasure use cheaper than using my 2003 Volkswagen EuroVan to commute?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Specifics of your insurance policy

Understanding the coverages of a insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision insurance

This coverage pays for damage to your EuroVan resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a ditch, crashing into a building, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

UM/UIM Coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Volkswagen EuroVan.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as theft, damage from getting keyed, hitting a bird and fire damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses for prosthetic devices, surgery, EMT expenses, nursing services and hospital visits. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Liability coverage

This protects you from damage or injury you incur to people or other property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like attorney fees, court costs and medical expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

A penny saved is a penny earned

Insureds leave their current company for a number of reasons such as delays in paying claims, unfair underwriting practices, policy cancellation or even an unsatisfactory settlement offer. Regardless of your reason, switching companies is not as difficult as it may seem.

We just showed you a lot of information how to lower your 2003 Volkswagen EuroVan insurance rates. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers could even find that the best price on insurance is with some of the smallest insurance companies.

Lower-priced insurance can be sourced online and with local insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance providers do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

Much more information about insurance can be found at these links: