How Much Does 2009 Volkswagen Rabbit Car Insurance Cost?

Trying to find better insurance coverage rates? Buyers have a choice when searching for the lowest priced Volkswagen Rabbit insurance. They can either spend hours calling around getting price quotes or use the internet to get rate quotes. There are more efficient ways to shop for insurance coverage so we’re going to tell you the proper way to get price quotes for a Volkswagen and find the lowest price from both online companies and local agents.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these tips. Drivers just need to know the tricks to compare company rates online.

Which Car Insurance is Cheapest?

Getting better 2009 Volkswagen Rabbit car insurance pricing isn’t really that difficult. All that’s required is to invest a little time comparing rate quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

  • One of the simplest ways to get quotes is an all-inclusive rate comparison like this one (opens in new window). This method keeps you from doing separate quote forms for each company you want a rate for. Completing one form compares rates from multiple companies. It’s definitely the quickest method.
  • A more time consuming way to compare prices requires visiting each individual company website and complete a new quote form. For instance, we’ll pretend you want comparison quotes from Auto-Owners, Allstate and GEICO. To find out each rate you need to go to every website to enter your coverage information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

  • The hardest method of comparing rate quotes is driving around to different agent offices. Buying insurance online has reduced the need for local agents unless you prefer the professional guidance that only a license agent can provide. Drivers can get prices online and get advice from an agent in your area and you’ll learn how to do that later.

Which method you use is up to you, but make sure you use exactly the same coverage information for each comparison quote. If you have higher or lower deductibles then you won’t be able to make a fair comparison for your Volkswagen Rabbit.

Get lower rates on Volkswagen Rabbit insurance

Companies offering auto insurance don’t necessarily list all their discounts in an easy-to-find place, so we researched some of the more common and the more hidden ways to save on insurance coverage. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • No Charge for an Accident – Certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% for Rabbit coverage with select insurance companies.
  • Homeowners Pay Less – Owning a house can save you money because of the fact that having a home shows financial diligence.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. The good student discount can last until age 25.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.

Consumers should know that most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

A partial list of companies who might offer these discounts may include but are not limited to:

Double check with every prospective company which discounts you may be entitled to. Discounts may not apply in your state.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine if your insurance needs might need an agent’s assistance.

  • Do I need replacement cost coverage?
  • What is the minimum liability in my state?
  • Am I covered if I break a side mirror?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered when delivering products for my home-based business?
  • Am I getting all the discounts available?
  • What if I don’t agree with a claim settlement offer?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, complete this form. It’s fast, free and you can get the answers you need.

Auto insurance 101

Learning about specific coverages of auto insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision – Collision insurance covers damage to your Rabbit caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as damaging your car on a curb, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability coverages – This coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as medical services, structural damage, court costs, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical payments coverage and PIP – Med pay and PIP coverage pay for immediate expenses for things like hospital visits, EMT expenses and ambulance fees. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive coverage – This pays to fix your vehicle from 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 can pay for things like a broken windshield, hitting a deer, damage from flooding, fire damage and damage from getting keyed. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.