Three Steps to Paying Less for Volkswagen Type 2 Insurance
If buying car insurance was fun, we'd do it as a recreational sport. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. Finding insurance for your Volkswagen Type 2 that you can actually afford is probably no different.
Step One: Insurance Quotes
Up until about ten years ago, the only way to shop for car insurance was in the office of a local insurance agent where you'd get a hard sell into a policy. Thanks to the internet, insurance shopping is a whole lot easier!
You can now shop all the best car insurance companies and compare rates for a Volkswagen Type 2 and you don't even have to visit each individual website!
To find affordable coverage for your Volkswagen Type 2, the first step is to click the link below and complete the short form.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your Type 2 is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: How to Insure your Type 2 for Less
Once you have quotes in hand, you can then consider some of the other techniques for lowering your Type 2 insurance rates.
- Insurance companies often give discounts to senior citizens and professional organizations, so if you're one of those, check to see if you qualify.
- You can save money on your physical damage coverage (comprehensive and collision) by increasing your deductibles. Higher deductibles mean you are willing to pay more before the insurance company covers a claim.
- If you're a young driver, you will pay more to insure a Type 2. There isn't anything you can do about your age, but rates will drop as you mature.
- If you have a speeding ticket or other moving violation, you could be charged more for insurance. If you get a ticket, find out if your county or state offers a defensive driving course that will void the ticket upon completion.
- Air bags, antilock brakes, traction control, and stability control all help lower the cost of insurance due to reducing the risk of injury in an accident.
- Try to maintain a claim-free discount on your car insurance policy. Obviously you can't prevent large claims, but if they are smaller and you can afford to pay them out-of-pocket, do so.
- Vehicle thefts drive up the cost of everyone's insurance, but if your Type 2 is on the list of the most frequently stolen cars, you might be paying just a little extra.
- Check your credit rating each year and address any problem areas. Higher credit scores mean lower car insurance rates.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- Never allow one policy to expire without having a new policy effective the same date. This causes a lapse in coverage and if you don't have insurance for any length of time, your next policy will cost you more.
- Renting a house or apartment rather than owning a home may keep you from paying the lowest rates on car insurance. Home ownership is viewed as being more financially responsible than renting.
Step Three: Bind Coverage and Cancel your Old Policy
Once you have compared identical rate quotes for your Type 2 and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
If you didn't have a prior policy, then you can make the new policy effective any time. But if you're moving bewteen companies and don't want a lapse in coverage, make sure the effective date of the new policy is exactly the same as the cancellation date of the old policy.
If you already have a car insurance policy, then your Volkswagen Type 2 will be covered as soon as your purchase it. If this is your first vehicle, you will want to make sure you have coverage in place as soon as your purchase it. When driving off the lot, you may have coverage that extends from your current policy. But it will only be equal to the most coverage you have on any vehicle. So if you only carry liability coverage, you won't be covered for full coverage until you specify it on your policy.
Once you have purchased your policy, print out the insurance card that must go in your vehicle. This card fulfills the state law requiring you to prove financial responsibility. High risk drivers may be required to submit an SR-22 with their state DMV's. If you have been convicted of reckless driving, DUI or had an uninsured accident, you may qualify. Make sure your new policy reflects the need for the SR-22 filing.
More Resources for Insurance Buying
The Insurance Information Institute is the industry authority for consumer car insurance information.
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