Easily Lower your Volkswagen Vanagon Insurance Rates in Three Steps
If finding cheaper car insurance was fun, we'd make the time to do it regularly. But most likely we pay more than we want to and don't really enjoy the buying process. You might feel the same pain when having to pay the bill on your Volkswagen Vanagon.
Step One: Compare Apples-to-Apples Quotes
The old-fashioned method of shopping for car insurance included visiting several local insurance agents and being on the receiving end of a hard sell tactic. But you can now comparison shop and buy direct online!
Comparing insurance rates for a Volkswagen Vanagon only require you to enter your information once. You'll receive multiple quotes and can easily compare rates.
To find affordable coverage for your Volkswagen Vanagon, the first step is to click the link below and complete the short form.
Insurance Quoting Tip! The only way to accurately compare rates bewteen different companies for your Vanagon is to use identical coverage limits on all the quotes. If you use different liability limits and/or deductibles, you won't have an apples-to-apples rate comparison.
Step Two: How to Lower your Vanagon Insurance Premium
There are many factors that actually determine what you will pay for insurance, and some are completely within your control.
- For some reason, car theives target particular makes and models more than others. If your Vanagon is on the list of the top stolen cars, you might want to install an extra theft deterrent system just to be safe.
- If you belong to a professional organization for your employment, you may qualify for a discount rate. And if you're a senior citizen, you may get a discount for your age as well.
- Filing too many claims with your company can end up either costing you more for insurance or having your policy cancelled. Insurance companies don't like paying any more than you do, but they have the option of whether to keep you as a policyholder or not.
- If you rent rather than own a home, you may be paying more for car insurance. Homeowners often get lower rates.
- Safety features such as antilock brakes, traction control and air bag systems all help reduce the cost of car insurance by keeping the passengers safer.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
- A single speeding ticket can cost you several hundreds of dollars over the next three years thanks to increased car insurance rates. Slow down and drive safely.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- Teen drivers have a tendancy to learn the hard way when driving, and that means having a few fender-benders. Rating them on a high profile newer vehicle can be very expensive so you might consider buying an older model vehicle for them to drive and only insure it with liability coverage.
- If you're not sure what your credit rating is, check it now. Car insurance companies use your credit score to determine the rates you pay, so the better your credit, the less you will pay.
- Before a comprehensive or collision claim is paid by your company, you have to pay a deductible first. The more you're willing to pay, the lower your rates will be. Consider raising your deductibles to $500 or even $1,000.
Step Three: Choose the Right Company for You
Choosing a new car insurance company is not easy. But hopefully you have a handful of quotes for your Vanagon that will give you a good idea of how much it will cost, as well as some idea of any coverage changes you may want to make.
Car insurance policies don't have to be cancelled at the renewal date, but just be sure the new policy starts the same day you cancel your old policy. This avoids any gaps in coverage between policies.
Before you drive your Volkswagen Vanagon home, make sure you have a current car insurance policy in force. Coverage will extend to the new purchase from your policy, but if you don't have a policy then you have no protection. The coverage extended to an add-on vehicle is only as good as the coverage on existing vehicles, so if none of your current insured vehicles have full coverage, your new Vanagon won't have it either. So in that case, it's important to call your agent or company directly from the dealership and have them bind coverage immediately.
All states require you to keep the proof-of-insurance or financial responsibility card in your vehicle at all times. Failure to produce this document can result in a citation. If you are required to file an SR-22 with your state, your new insurance company will take care of that for you. If you cancel your coverage for any reason, you risk the loss of your driver's license.
Other Insurance Resources
For more detailed car insurance topics, visit the Insurance Information Institute.
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