Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Believe me when I say there are lots of people in the same boat. Many insurers vie for your business, so it can be very hard to choose a provider to find the absolute lowest cost out there.
If you have a policy now or are just looking to switch companies, you can learn to reduce the price you pay while maintaining coverages. Finding affordable coverage is not that difficult. Vehicle owners only need an understanding of the proper methods to shop online.
Which Car Insurance is Cheapest?
Reducing your Volkswagen Cabrio insurance rates isn’t really that difficult. You just need to take time getting comparison quotes from different insurance companies. This can be accomplished using a couple different methods.
- The best way to get quotes is an all-inclusive rate comparison (click to open form in new window). This method saves time by eliminating boring form submissions for each company. Completing one form compares rates .
- A more difficult way to get quotes online is to manually visit the website of each company to request a price quote. For example, let’s assume you want comparison quotes from Farmers, GEICO and Allstate. To get each rate you have to visit each site and enter your policy data, which is why the first method is quicker.
For a list of links to companies insuring cars in your area, click here.
- The least recommended method of comparing rate quotes is to spend your day driving to insurance agents’ offices. Shopping for car insurance online has reduced the need for local agents unless you want the trained guidance only provided by licensed agents. You can, however, price shop your coverage online but still have the advice of a local agent and we’ll cover that in a bit.
It’s up to you which method you use, but ensure you’re using apples-to-apples quote information on every quote. If each company quotes higher or lower deductibles you can’t possibly find the best deal for your Volkswagen Cabrio.
How much can you save with discounts?
Companies do not advertise all their discounts in an easy-to-find place, so we took the time to find both the well known and the more hidden ways to save on car insurance. If they aren’t giving you every credit possible, you’re just leaving money on the table.
- Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
- More Vehicles More Savings – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
- Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The discount lasts until age 25.
- Accident Free – Good drivers with no accidents can earn big discounts as compared to frequent claim filers.
- Military Rewards – Being deployed with a military unit can result in better rates.
- Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
- Driver’s Ed – Have your child successfully complete driver’s ed class if it’s offered in school.
Drivers should understand that some of the credits will not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like it’s possible to get free car insurance, you won’t be that lucky.
To see a list of companies with the best car insurance discounts, click here.
How to know if you need help
When choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether or not you might need professional guidance.
- Does my policy cover me when driving someone else’s vehicle?
- Do I get a pro-rated refund if I cancel my policy early?
- Are rental cars covered under my policy?
- Does my insurance cover a custom paint job?
- What are no-fault laws?
- Is my vehicle covered by my employer’s policy when using it for work?
If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.
