Volkswagen Rabbit Insurance for Tightwads
If we enjoyed shopping for car insurance, we'd do it more often. But the reality is, you probably don't enjoy it and you think it costs too much. You probably feel the same way when trying to find cheaper coverage for your Volkswagen Rabbit.
Step One: Get Insurance Quotes
The old way of buying car insurance was to make multiple trips to various local agents and get strong armed into a policy that didn't necessarily fit you. Welcome to the NEW way to buy car insurance!
All the major car insurance companies sell insurance for a Volkswagen Rabbit and you don't even have to visit each individual website!
To begin, click on the link below and complete the short form. It only takes a few minutes and it's helpful to have your current policy handy if you have one.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your Rabbit.
Step Two: Insider Tips for Finding Cheaper Rabbit Insurance
After completing step one and having some rates to compare, you can now focus on policy and lifestyle modifications that will lower your Rabbit insurance rates.
- Members of many professional organizations can receive discounts on car insurance, and if you're a senior citizen, that could earn you an additional discount.
- Good credit will get you lower car insurance rates. Evidence correlates good credit with low claims, so the better you maintain your credit level, the less risk you are to your company.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- Safety features such as passive restraints and air bag systems help reduce injuries in and accident, and car insurance companies will charge lower rates if these features are present.
- Higher deductibles save money. If you can afford to pay a larger portion of a comprehensive or collision claim, you will pay substantially less for those coverages if you increase your deductibles to $500 or even $1,000.
- Insurance companies pay attention to which vehicles are stolen the most, so if your car is frequently targeted by thieves, chances are good you will pay more for insurance if you live in certain parts of the country.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- If you are a renter rather than a homeowner, you might pay a little more to insure your car. Owning a home takes financial repsonsibility and insurance companies reward those policy holders.
- Speeding tickets and other violations can negatively impact your insurance rates for up to three years. Get too many tickets and you'll be shopping for a new car insurance company.
- Every parent dreads the day when their teenager gets added to their policy. If you are a teenager, or if you have one on your policy, expect to pay significantly more each year.
- It's very important that you allows keep coverage effective on your vehicles. Having even a one-day lapse in coverage can make your premiums jump higher.
Step Three: Purchase a New Policy
Now that you hopefully have several rates to compare and have made any changes needed to your individual coverages, you can choose the best company to insure your Rabbit with.
You can cancel a policy at any time, but just remember to make the effective date of the replacement policy the exact same as the date you cancel your old policy. You do not want any gaps in coverage between policies.
If the Volkswagen Rabbit is a new purchase and you haven't had car insurance before, make sure you have coverage in place before driving off the lot. If you have other vehicles already covered, then you will have coverage for the new vehicle. Your existing car insurance policy will give you some coverage if you buy a new or used Rabbit, but unless you are already paying for full coverage, you won't have it until you add the vehicle to your policy.
Be sure to replace any old proof-of-insurance cards in your car. You must always have the current card in your vehicle as required by state law. Depending on your state's statutes, you may be required to file an SR-22 form if you've been convicted of an uninsured accident, DUI or license suspension. Make sure your new company is aware of this requirement and files it promptly.
More Educational Resources
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.
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