1991 Volkswagen Vanagon Car Insurance Cost – 6 Tips for Best Prices

Car insurance shopping is not something people look forward to, but your state requires it in order to satisfy compulsory insurance requirements.

You should take the time to shop coverage around before your policy renews due to the fact that insurance rates change frequently. Even if you think you had the lowest price for vanagon coverage last year other companies may now be cheaper. Block out anything you think you know about insurance coverage because we’re going to demonstrate one of the quickest ways to lower your rates without sacrificing coverage.

If you currently have car insurance, you should be able to cut costs considerably using these tips. This article will introduce you to how to get online quotes and some money-saving tips. Although car owners must learn how companies price insurance differently.

Discounts on 1991 Volkswagen Vanagon insurance

Companies offering auto insurance don’t always list all their discounts in a way that’s easy to find, so we break down some of the more common and the more hidden insurance savings.

  • Drive Less and Save – Fewer annual miles on your Volkswagen can earn a substantially lower rate.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you may save approximately 10% to 15%.
  • No Charge for an Accident – Certain companies will allow you to have one accident before raising your premiums if your claims history is clear prior to the accident.
  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • 55 and Retired – If you’re over the age of 55, you may be able to get better insurance rates for vanagon coverage.
  • Multi-car Discount – Having more than one vehicle on one policy qualifies for this discount.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, insurance companies aren’t that generous.

To see a list of insurers with the best insurance discounts, click here to view.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

For example, these questions can help discover if your insurance needs may require specific advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Why is insurance for a teen driver so high?
  • Do I benefit by insuring my home with the same company?
  • Is motorclub coverage worth it?
  • Does insurance cover damages from a DUI accident?
  • What is no-fault insurance?
  • Are my friends covered when driving my car?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Slick advertising tricks that work

Car insurance providers like 21st Century, Allstate and State Farm consistently run television and radio advertisements. They all say the same thing that you can save if you change to their company. How does each company claim to save you money?

All the different companies are able to cherry pick for the driver that is profitable for them. For example, a desirable insured might be profiled as between the ages of 40 and 55, owns a home, and drives less than 10,000 miles a year. Any driver who meets those qualifications will qualify for the lowest rates and most likely will save quite a bit of money when switching.

Drivers who fall outside the requirements will be charged higher rates and ends up with the customer not buying. The ads say “customers who switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can make those claims. That is why it’s extremely important to get a wide range of price quotes. Because you never know which insurance companies will have the lowest Volkswagen Vanagon insurance rates.

Coverages available on your policy

Learning about specific coverages of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive protection

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, damage from getting keyed and hitting a deer. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Volkswagen Vanagon.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as prosthetic devices, EMT expenses, surgery and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance will pay to fix damage to your Vanagon caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability

This protects you from injuries or damage you cause to other’s property or people in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as emergency aid, repair bills for other people’s vehicles, bail bonds and legal defense fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Save your hard earned cash

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. There are many occasions where an insured dropped physical damage coverage only to find out they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Lower-priced 1991 Volkswagen Vanagon insurance is definitely available both online and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not offer online price quotes and these small, regional companies work with independent agents.

We just showed you some good ideas how you can save on insurance. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. You may be surprised to find that the best prices are with the least-expected company.

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