2008 Volkswagen Rabbit Car Insurance Quotes – 5 Tips to Save

I can’t think of anyone who looks forward to paying for insurance, particularly when the price is too high.

Multiple car insurance companies compete to insure your vehicles, so it can be very hard to choose a insurance company and get the best coverage at the best rates possible.

It’s a good idea to take a look at other company’s rates periodically since rates tend to go up over time. Just because you had the best deal for Rabbit insurance a year ago other companies may now be cheaper. So just forget anything you know (or think you know) about insurance because I’m going to teach you one of the quickest ways to save money, get proper coverage and the best rates.

Comprehensive Auto Insurance Comparison

There are multiple methods you can shop for 2008 Volkswagen Rabbit auto insurance but there is one way that is more efficient than others. You can waste hours talking to insurance agencies in your area, or you could use online quotes to achieve your goal.

Most of the larger companies belong to a marketplace where prospective buyers complete one form, and each company can provide price quotes determined by their information. This eliminates the need for quotation requests for each company.

To enter your information into the quoting system, click here (opens in new window).

The only drawback to using this type of system is you cannot specify which carriers to receive prices from. So if you want to select individual companies to compare prices, we have a page of the cheapest auto insurance companies in your area. Click to view list.

Whichever way you use, double check that you are using identical deductibles and coverage limits with every price quote. If you are comparing different limits and deductibles on each one then you won’t be able to determine which rate is truly the best. Quoting even small variations in coverage limits may result in a large different in cost. It’s important to know that comparing a large number of companies will increase your chances of finding lower pricing.

Take these five discounts and save

Companies that sell car insurance don’t list every discount in a way that’s easy to find, so we took the time to find both well-publicized and also the lesser-known savings tricks you should be using.

Drive Less and Save – Driving fewer miles could be rewarded with a substantially lower rate.
Discount for Life Insurance – Larger companies have a discount if you purchase life insurance.
Paperless Signup – Some insurance companies give back up to $50 just for signing your application online.
Discount for New Cars – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.

A little note about advertised discounts, most discounts do not apply the the whole policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you could get a free car insurance policy, car insurance companies aren’t that generous.

To see a list of insurance companies with discount car insurance rates, click here to view.

Which policy gives me the best coverage?

When buying coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions can help discover if your situation may require specific advice.

When would I need additional glass coverage?
If my 2008 Volkswagen Rabbit is totaled, can I afford another vehicle?
Is my babysitter covered when using my vehicle?
Am I covered by my spouse’s policy after a separation?
Can I afford low physical damage deductibles?
Can my teen drive my company car?
Does my insurance cover damage caused when ticketed for reckless driving?
What is the ISO rating for a 2008 Volkswagen Rabbit?
Should I get collision insurance on every vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Parts of your auto insurance policy

Learning about specific coverages of a auto insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages found on most auto insurance policies.

Liability coverage

This provides protection from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as pain and suffering, medical expenses and funeral expenses. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Volkswagen Rabbit.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Coverage for collisions

Collision coverage pays for damage to your Rabbit caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a parking meter, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, fire damage, a broken windshield and hail damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like hospital visits, EMT expenses, prosthetic devices and doctor visits. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage