1991 Volkswagen Cabriolet Insurance Rates – 5 Tips for Cheaper Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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I can’t think of anyone who looks forward to buying auto insurance, especially knowing the cost is too high.

Since consumers have many online and local companies to choose from, it is hard for the average consumer to locate the lowest price car insurance company.

Automobile Insurance Quotes

The are a couple different ways to get quotes from different insurance companies. By far the easiest way to find the lowest 1991 Volkswagen Cabriolet rates is simply to get online rate quotes. This is very easy and can be done using a couple different methods.

  1. The first (and easiest) way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This easy form prevents you from having to do separate quotes for each company you want a rate for. Taking the time to complete one form gets rate comparisons instantly.
  2. Another way to obtain and compare quotes online requires a visit to each company website and complete a new quote form. For sake of this example, let’s assume you want to compare Nationwide, 21st Century and GEICO. You would have to go to every website to input your insurance information, and that’s why the first method is more popular.

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

It doesn’t matter which method you choose, just ensure you’re using exactly the same coverage limits and deductibles for every quote you compare. If your comparisons have higher or lower deductibles you can’t possibly make an equal comparison. Having just a slight variation in coverages can make a big difference in price. Keep in mind that obtaining a wide range of quotes will increase your chances of finding lower pricing.

Are insurance companies telling the truth?

Companies like State Farm, Allstate and GEICO continually stream ads in print and on television. All the ads have a common claim about savings after switching your policy. How does each company make almost identical claims?

Insurance companies can use profiling for the driver that is profitable for them. For instance, a desirable insured might be profiled as a mature driver, has no driving citations, and has great credit. Any driver who fits that profile will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who don’t qualify for the requirements will be quoted more money which leads to the driver buying from a lower-cost company. The ads state “drivers who switch” not “everyone that quotes” save money. That’s why insurance companies can confidently claim big savings. This emphasizes why it’s extremely important to get a wide range of price quotes. It is impossible to predict which company will provide you with the cheapest Volkswagen Cabriolet insurance rates.

Discounts are available to cut your rates

Auto insurance companies do not list every discount in an easy-to-find place, so the following is a list of both well-publicized and the harder-to-find savings tricks you should be using.

  • Discount for Good Grades – This discount can save 20 to 25%. The discount lasts up until you turn 25.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Accident Free – Good drivers with no accidents can earn big discounts when compared with bad drivers.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

For a list of companies offering car insurance discounts, follow this link.

Everyone needs different coverages

When it comes to choosing the best insurance coverage coverage, there really is not a one size fits all plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that may help highlight if you would benefit from an agent’s advice.

  • I have a DUI can I still get coverage?
  • Can my teen drive my company car?
  • Why do I only qualify for high-risk insurance?
  • I don’t drive much so do I pay less?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What is UM/UIM insurance?
  • What can I do if my company denied a claim?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance 101

Having a good grasp of your policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on most insurance policies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Volkswagen Cabriolet.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Collision coverage

This covers damage to your Cabriolet from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a building, sustaining damage from a pot hole, backing into a parked car, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as hospital visits, prosthetic devices and nursing services. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, falling objects, a broken windshield, hitting a bird and damage from getting keyed. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

This coverage provides protection from damages or injuries you inflict on people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.

Liability insurance covers things such as attorney fees, pain and suffering, funeral expenses and legal defense fees. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Spend less. Save more.

As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. In too many instances, an insured cut uninsured motorist or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

We covered some good ideas how to save on 1991 Volkswagen Cabriolet insurance. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with a small local company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

For more information, take a look at the resources below:

Free Auto Insurance Comparison

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