1997 Volkswagen EuroVan Car Insurance Quotes

Want cheaper car insurance rates? Drivers have a choice when trying to find affordable Volkswagen EuroVan insurance. They can either waste time calling around to compare prices or use the internet to make rate comparisons. There are both good and bad ways to buy car insurance and you need to know the proper way to quote coverages for a new or used Volkswagen and find the best price possible either online or from local insurance agents.

It’s a great practice to get comparison quotes periodically due to the fact that insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rate on Eurovan insurance a year ago you may be paying too much now. Ignore everything you know about car insurance because you’re going to learn the proper way to properly buy coverages and cut your premium.

If you have a current insurance policy or need new coverage, you can learn to reduce the price you pay and still get good coverage. This information will familiarize you with the most effective way to quote insurance and some tricks to saving. Drivers just need to learn the best way to compare company rates online.

How much is auto insurance?

Finding cheap auto insurance quotes is actually easier than you may think. You just need to invest a few minutes to compare free insurance quotes online with multiple companies. Comparing prices online can be done using a couple different methods.

• One of the simplest ways consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This form keeps you from doing separate quotes for each company. A single form will get you price quotes direct from many companies. This is by far the quickest method.
• A harder way to analyze rates requires a trip to each company website to request a price quote. For instance, we’ll pretend you want to see prices from Liberty Mutual, Safeco and Geico. To do that, you would have to navigate to each company’s site to input your insurance information, which is why most consumers use the first method.

  For a handy list of car insurance company links in your area, click here.

Take whichever approach you prefer, but make sure you compare equivalent coverage limits for each comparison quote. If the quotes have different deductibles you will not be able to determine which rate is truly the best.

The Volkswagen EuroVan insurance price equation

Part of the insurance coverage buying process is learning a few of the rating criteria that aid in calculating your policy premiums. When you know what positively or negatively determines premiums, this helps enable you to make changes that can help you get big savings. Many different elements are part of the equation when you get a price on insurance. A few of the factors are predictable such as traffic violations, but some are more transparent such as your credit history or your commute time.

• Males pay higher rates – Over the last 30 years, statistics show that females take fewer risks when driving. The data does not necessarily mean that women are BETTER drivers than men. Men and women are responsible for accidents in similar percentages, but the males cause more damage. In addition to higher claims, males also receive more costly citations like reckless driving and DUI. Young men ages 16 to 20 tend to get in the most accidents and therefore have the most expensive insurance coverage rates.
• Improve your credit history and save – Your credit score factor in determining what you pay. If your credit rating leaves room for improvement, you could pay less to insure your 1997 Volkswagen EuroVan if you clean up your credit. Insureds that have high credit scores tend to be more responsible and file fewer claims than drivers with lower credit scores.
• Cheaper premiums using GPS tracking and theft deterrents – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping vehicle theft.
• Choose high crash test ratings and save – Vehicles that have high safety ratings tend to be cheaper to insure. Safer cars reduce injuries and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders. If your Volkswagen EuroVan is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
• Getting married is a bonus – Having a significant other may save some money on your insurance coverage policy. Having a spouse usually means you are more responsible and it’s proven that drivers who are married file infrequent claims.
• Amount of liability coverage – Liability insurance will afford coverage in the event that you are ruled to be at fault for damages from an accident. Liability provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
• Policy add-ons may not be needed – Insurance companies have many extra bells and whistles that you can get tricked into buying if you aren’t careful. Coverage for things like rental car coverage, accidental death, and term life insurance may be costing you every month. They may seem good when buying your policy, but if you have no use for them get rid of them and save.
• Use one insurance company and save – Many companies allow a discount to policyholders that buy multiple policies. It’s known as a multi-policy discount. The discount can be ten or even fifteen percent. If you currently are using one company, you may still want to comparison shop to help ensure you have the lowest rates.

Get cheap insurance with discounts

Some providers don’t necessarily list all their discounts in a way that’s easy to find, so the list below gives a summary of some of the more common and the harder-to-find discounts that you can inquire about if you buy insurance online. If you do not double check each discount available, you are throwing money away.

• One Accident Forgiven – Not necessarily a discount, but a few companies such as Allstate and Geico will forgive one accident before hitting you with a surcharge if you have no claims prior to the accident.
• Discounts for New Vehicles – Insuring a new car can cost up to 25% less because new vehicles keep occupants safer.
• Active Military Service – Having a family member in the military may lower your prices slightly.
• Discounts for Federal Employees – Having worked for a branch of the government may qualify for a discount when you quote insurance on Eurovan insurance depending on your company.
• Use Seat Belts – Using a seat belt and requiring all passengers to fasten their seat belts may be able to save a few bucks off the PIP or medical payment premium.
• Telematics Data Discounts – Insureds who allow companies to spy on driving habits by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks as long as the data is positive.
• Auto/Life Discount – If the company offers life insurance, you could get a small discount if you purchase some life insurance in addition to your auto policy.
• Pay Upfront and Save – By paying your entire bill at once rather than paying monthly you can avoid monthly service charges.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and the ABS can save up to 10%.

Policy discounts save money, but some of the credits will not apply to the entire cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. Even though the math looks like you can get free auto insurance, insurance companies aren’t that generous.

Companies that possibly offer some of the discounts shown above may include but are not limited to:

• Farmers Insurance
• State Farm
• Liberty Mutual
• MetLife
• Progressive

When getting a coverage quote, ask every prospective company how you can save money. Some of the earlier mentioned discounts might not be offered on policies in your area. To locate insurers that can offer you the previously mentioned discounts, follow this link.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

For example, these questions may help you determine if your situation will benefit from professional help.

• Does coverage extend to Mexico or Canada?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Where can I find high-risk insurance?
• Do I need special endorsements for business use of my vehicle?
• Does medical payments coverage apply to all occupants?
• How much liability insurance is required?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage considerations

Understanding the coverages of your insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for expenses for EMT expenses, funeral costs, nursing services, chiropractic care and dental work. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your 1997 Volkswagen EuroVan.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability – This can cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

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. You might see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like emergency aid, repair bills for other people’s vehicles, repair costs for stationary objects and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Collision coverage – Collision coverage will pay to fix damage to your EuroVan resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a parking meter, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive insurance – Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, damage from flooding and fire damage. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

A tidy conclusion

Drivers change insurance companies for many reasons like extreme rates for teen drivers, poor customer service, policy non-renewal and questionable increases in premium. Regardless of your reason for switching companies, switching auto insurance companies is not as hard as you think.

As you prepare to switch companies, you should never reduce coverage to reduce premium. Too many times, someone sacrificed uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. The aim is to find the BEST coverage at the best cost while still protecting your assets.

We just presented many ideas to lower your 1997 Volkswagen EuroVan insurance rates. The most important thing to understand is the more providers you compare, the better likelihood of getting affordable insurance. You may be surprised to find that the lowest priced auto insurance comes from an unexpected company.

For more information, link through to the articles below:

• Distracted Driving Statistics (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)