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1993 Volkswagen Fox Insurance Rates

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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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UPDATED: Jun 12, 2015

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Sick and tired of robbing Peter to pay Paul to pay your car insurance bill each month? You are in the same boat as the majority of other car owners.

You have so many insurers to pick from, and although it’s a good thing to have a choice, having more insurers makes it harder to find the best rates.

You should take the time to price shop coverage quite often because prices are rarely the same from one policy term to another. Even if you think you had the best rates on Fox coverage on your last policy there is a good chance you can find better rates now. Don’t believe everything you read about car insurance on the internet, so by reading this article, you’re going to learn a lot of great tips on how to put money back in your pocket.

Take these nine discounts and save

Insurance can cost an arm and a leg, but discounts can save money and there are some available that can drop the cost substantially. Some discounts apply automatically at quote time, but less common discounts must be specially asked for in order for you to get them.

  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off on Fox coverage with certain companies.
  • Organization Discounts – Affiliation with certain professional organizations could trigger savings on your policy on Fox coverage.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Military Rewards – Having a deployed family member could mean lower rates.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts when compared to drivers who are more careless.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.

As a disclaimer on discounts, most of the big mark downs will not be given the whole policy. Most cut individual premiums such as medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, car insurance companies aren’t that generous. Any amount of discount will help reduce your overall premium however.

Companies that may offer these money-saving discounts are:

Before buying, ask each insurance company how you can save money. Savings may not apply in your area.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every situation is different so your insurance needs to address that. These are some specific questions can help discover whether or not you would benefit from an agent’s advice.

  • What exactly is covered by my policy?
  • Is business equipment covered while in my vehicle?
  • Why is insurance for a teen driver so high?
  • Can I get a multi-policy discount?
  • When would I need rental car insurance?
  • Am I better off with higher deductibles on my 1993 Volkswagen Fox?
  • What can I do if my company denied a claim?
  • Do I pay less for low miles?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Save $420 a year. For real?

Allstate and Progressive consistently run ads on TV and radio. All the companies make an identical promise of big savings if you change to their company. How do they all say the same thing?

All companies have a certain “appetite” for the right customer that makes them money. For example, a profitable customer might be over the age of 40, has no tickets, and drives less than 7,500 miles a year. A driver who matches those parameters will qualify for the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who don’t meet the requirements will be quoted a higher premium which usually ends up with business not being written. The ads state “people who switch” not “people who quote” save that kind of money. That’s why companies can make those claims.

This emphasizes why drivers must compare as many rates as you can. It’s not possible to predict the company that will fit your personal profile best.

Insurance coverage considerations

Knowing the specifics of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. These are typical coverages found on most insurance policies.

Comprehensive protection

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hail damage, hitting a bird, a broken windshield and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses such as EMT expenses, dental work, pain medications and chiropractic care. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Liability insurance

This will cover damage or injury you incur to other people or property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like medical services, legal defense fees and court costs. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Uninsured or underinsured coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Volkswagen Fox.

Due to the fact that many 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. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto collision coverage

Collision insurance pays for damage to your Fox resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sideswiping another vehicle, hitting a parking meter, backing into a parked car, crashing into a building and hitting a mailbox. 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.

Quote more, save more

We just covered a lot of tips how to reduce 1993 Volkswagen Fox insurance prices online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with a small local company. These smaller insurers may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.

As you shop your coverage around, do not buy poor coverage just to save money. Too many times, drivers have reduced collision coverage only to regret at claim time they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at an affordable rate while still protecting your assets.

To learn more, feel free to browse the resources below:

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