Locating the cheapest insurance for a Volkswagen Vanagon can normally be a painful process, but you can use a few tricks to find lower rates. There is a better way to shop for car insurance so you’re going to learn the best way to price shop coverage for a new or used Volkswagen and obtain the lowest price from local insurance agents and online providers.
It’s a good habit to take a look at other company’s rates every six months since rates are rarely the same from one policy term to another. Despite the fact that you may have had the best price for vanagon insurance a couple years back you may be paying too much now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the only way to properly buy coverages while reducing your premium.
If you have a policy now or are shopping for new coverage, you can learn to cut your premiums and possibly find even better coverage. Locating the cheapest coverage is quite easy. Vehicle owners just need to learn the tricks to compare company rates online.
Some factors that can determine what Volkswagen Vanagon insurance costs
It’s important that you understand the factors that play a part in calculating your car insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that may reward you with much lower annual insurance costs.
- Liability coverage is peace of mind – The liability section of your policy is the coverage that protects you if a court rules you are at fault for causing damage or personal injury in an accident. Liability provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
- Increase deductibles and save – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Volkswagen. Some examples of claims that would be covered could be a windshield shattered by a rock, collision with an animal, or theft. Your deductibles are how much you are willing to pay before your car insurance pays a claim. The more the insured has to pay upfront, the less your car insurance will be for vanagon insurance.
- The type of vehicle makes a difference – The performance of the car you drive makes a big difference in how high your rates are. The cheapest insurance rates are generally reserved for lower performance four cylinder passenger models, but the final cost of insurance is determined by many other factors. Since the Volkswagen Vanagon is considered a van and minivan, insuring your vehicle will cost similar in price as compared to the average rate.
- More people means more accidents – Choosing to live in a small town has it’s advantages when it comes to car insurance. Drivers who live in large cities have congested traffic and longer commutes to work. Less people living in that area means reduced accidents and also fewer theft and vandalism claims.
- Special features that cut premiums – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
- Teen drivers pay high rates – Youthful drivers are statistically proven to be less responsible when driving so car insurance rates are higher. Adding a young driver to your policy can be quite pricey. More mature drivers tend to be more responsible, file fewer claims and receive fewer citations.
- Men fork out a little more – Statistics demonstrate that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. Men and women are in accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also have more aggressive citations such as reckless driving.
These discounts can lower your rates
Companies that sell car insurance do not advertise every discount very clearly, so the following is a list of some of the more common as well as the least known savings tricks you should be using. If you’re not getting every credit possible, you are paying more than you should be.
- Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
- Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.
- Use Seat Belts – Drivers who require all occupants to use a seat belt could cut 10% or more off the personal injury premium cost.
- Multiple Cars – Insuring all your vehicles on one policy may reduce the rate for each vehicle.
- Early Signing – Select companies give a discount for signing up before your current policy expires. This can save 10% or more.
- Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.
- Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.
- Accident Waiver – Some insurance companies allow you one accident before your rates go up as long as you don’t have any claims for a set time period.
- Safety Course Discount – Taking a course in driver safety could save 5% or more and easily recoup the cost of the course.
A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most cut individual premiums such as medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.
To see a list of companies who offer car insurance discounts, click here to view.
Are you falling for claims of savings?
Consumers constantly see and hear ads for car insurance savings by companies like State Farm, Allstate and GEICO. They all say the same thing that you’ll save big after switching to them.
How does each company claim to save you money?
Different companies can use profiling for the type of driver that makes them money. For instance, a profitable customer might be profiled as between the ages of 30 and 50, a clean driving record, and chooses high deductibles. A propective insured who matches those parameters receives the best rates and therefore will pay quite a bit less when switching companies.
Potential insureds who don’t qualify for the requirements will have to pay higher rates and this can result in business going elsewhere. The ads state “drivers who switch” not “everybody who quotes” save money. That’s why insurance companies can state the savings. Because of the profiling, you need to quote coverage with many companies. It’s not possible to predict which company will provide you with the cheapest rates.
Different people need different coverages
When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique.
For example, these questions can aid in determining if you would benefit from professional advice.
- Am I covered when pulling a rental trailer?
- Are all vehicle passengers covered by medical payments coverage?
- Should I drop comprehensive coverage on older vehicles?
- What are the best liability limits?
- Do I have coverage for damage caused while driving under the influence?
- Does my Volkswagen Vanagon qualify for pleasure use?
- Will I lose any money if I cancel my policy before it expires?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.
Shop smart and save
Lower-priced Volkswagen Vanagon insurance is attainable online and also from your neighborhood agents, so compare prices from both to have the best rate selection. Some insurance providers may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.
Insureds who switch companies do it for a number of reasons such as delays in responding to claim requests, not issuing a premium refund, poor customer service or even being labeled a high risk driver. Regardless of your reason, choosing a new company is not as difficult as it may seem.
When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. There have been many situations where drivers have reduced full coverage and learned later they didn’t purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.
