1999 Volkswagen Cabrio Insurance Quotes – 7 Ideas for Cheaper 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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Want lower auto insurance rates for your Volkswagen Cabrio? Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me, there are many people just like you. Because there are so many companies to choose from, it’s nearly impossible to find the lowest cost provider.

Consumers need to take a look at other company’s rates periodically because rates fluctuate regularly. Just because you had the best deal for Cabrio insurance on your last policy you can probably find a better price now. There is a lot of wrong information about auto insurance on the internet, so with this article, you’re going to get some great ways to put money back in your pocket.

These seven discounts can lower your rates

Insurance can be prohibitively expensive, but you can get discounts that many people don’t even know exist. Some discounts apply automatically when you get a quote, but a few need to be inquired about prior to receiving the credit. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Auto/Life Discount – Larger companies have a break if you buy auto and life insurance together.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Defensive Driver – Taking part in a driver safety course could cut 5% off your bill if your company offers it.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you may save 10% to 20% off each policy.
  • Service Members Pay Less – Having a family member in the military can result in better rates.
  • Passive Restraints – Cars that have air bags or motorized seat belts can qualify for discounts up to 30%.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Some only reduce specific coverage prices like comp or med pay. So even though it sounds like all those discounts means the company will pay you, insurance companies aren’t that generous. But all discounts will bring down your premiums.

Companies who might offer these benefits may include but are not limited to:

Check with each insurance company which discounts they offer. Some discounts might not apply in your area.

Finding Insurance Coverage

There are several ways to shop for Volkswagen Cabrio insurance coverage, but there is one way that is more efficient than others. You can spend your afternoon driving to insurance agencies in your area, or you can stay home and use online quotes to maximize your effort.

Many popular insurance companies participate in a marketplace where prospective buyers submit one quote, and every company then returns a price quote based on that data. This system prevents you from having to do form submissions to each individual insurance coverage company. To compare 1999 Volkswagen Cabrio rates now click here (opens in new window).

The one disadvantage to pricing coverage this way is that you can’t choose which providers to get quotes from. So if you prefer to pick specific insurance companies to compare prices, we have a page of low cost insurance coverage companies in your area. View list of insurance companies.

Which method you use is up to you, but ensure you’re using the exact same coverages on every quote. If the quotes have differing limits you can’t possibly determine the best price for your Volkswagen Cabrio.

Different people need different coverages

When choosing the right insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that could help you determine if your situation will benefit from professional help.

  • Do I really need UM/UIM coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered when driving in Canada or Mexico?
  • Is my dog or cat covered if injured in an accident?
  • Is my babysitter covered when using my vehicle?
  • What is no-fault insurance?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Car insurance 101

Understanding the coverages of auto insurance can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. These are the normal coverages available from auto insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as fire damage, hitting a deer and hitting a bird. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision insurance

This coverage pays for damage to your Cabrio from colliding 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 claims like sustaining damage from a pot hole, rolling your car, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Cabrio.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Liability car insurance

Liability coverage provides protection from damages or injuries you inflict on other people or property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as court costs, legal defense fees, attorney fees, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Medical expense insurance

Med pay and PIP coverage provide coverage for short-term medical expenses for things like funeral costs, prosthetic devices and dental work. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Cheaper insurance is a realistic goal

We just showed you a lot of techniques to save on 1999 Volkswagen Cabrio insurance. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even discover the most savings is with the smaller companies. They can often insure niche markets at a lower cost than their larger competitors like Progressive or GEICO.

Low-cost insurance can be sourced online as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

To learn more, feel free to browse these articles:

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