2001 Volkswagen EuroVan Insurance Rates – 7 Ideas for Best Quotes

Want lower auto insurance rates for your Volkswagen EuroVan? Did a good deal turn into high-priced auto insurance? Don’t sweat it because you are not the only one feeling buyer’s remorse.

Due to the fact that there are so many auto insurance companies to choose from, it can be challenging to locate the best company.

Take advantage of every insurance coverage discount

Companies offering auto insurance don’t always advertise every discount very clearly, so the list below details a few of the more well known as well as some of the hidden ways to save on insurance coverage.

  • Pay Early and Save – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid monthly service charges.
  • Smart Student Discounts – Being a good student can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to use a seat belt can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Accident Forgiveness – This one is not really a discount per se, but companies like GEICO, Allstate and Liberty Mutual may permit one accident without getting socked with a rate hike if you are claim-free for a specific time period.
  • Discount for Home Ownership – Owning a home can help you save on insurance coverage because of the fact that having a home means you have a higher level of financial diligence.
  • Theft Deterent System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Multiple Cars – Having several vehicles on one policy can reduce the rates for all insured vehicles.

Drivers should understand that most discount credits are not given to the entire policy premium. Some only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, companies wouldn’t make money that way.

Popular insurance coverage companies and some of their more popular discounts are shown below.

  • The Hartford includes discounts for defensive driver, vehicle fuel type, anti-theft, bundle, driver training, good student, and air bag.
  • American Family policyholders can earn discounts including mySafetyValet, bundled insurance, good driver, early bird, TimeAway discount, defensive driver, and air bags.
  • Progressive may include discounts for good student, online quote discount, multi-vehicle, continuous coverage, and multi-policy.
  • Travelers has savings for hybrid/electric vehicle, good student, early quote, driver training, student away at school, multi-policy, and new car.
  • Farmers Insurance may have discounts that include bundle discounts, mature driver, multi-car, early shopping, electronic funds transfer, switch companies, and homeowner.
  • USAA may offer discounts for good student, family discount, military installation, driver training, and new vehicle.
  • Liberty Mutual offers discounts for safety features, teen driver discount, new vehicle discount, newly married, and hybrid vehicle.

When comparing rates, check with every insurance company what discounts are available to you. Some credits might not be offered everywhere. To view providers that have a full spectrum of discounts, click here to view.

Compare quotes for insurance

Comparing insurance rates can take hours if you aren’t aware of the most efficient way. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could save time and use the web for quick rates.

Many companies participate in a marketplace that enables customers to only type in their quote data once, and each participating company can give them a price based on the submitted data. This prevents consumers from doing quotation requests to each individual insurance company. To fill out one form to compare multiple rates now click here to open in new window.

The only downside to doing it this way is buyers cannot specifically choose which insurance companies to get quotes from. So if you want to select from a list of companies for rate comparison, we have a page of the cheapest insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just be sure to compare identical coverage limits and deductibles for each price quote. If you are comparing different deductibles it will be nearly impossible to determine the lowest rate for your Volkswagen EuroVan. Even a minor difference in coverage limits can result in a big premium difference. And when comparing insurance rates, know that obtaining a wide range of quotes increases your odds of finding lower pricing. Not every company does rate quotes online, so it’s recommended that you also compare rates on coverage from those companies, too.

How to know if you need help

When buying coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if your situation would benefit from professional advice.

  • Am I covered if I wreck a rental car?
  • I have a DUI can I still get coverage?
  • When should I not file a claim?
  • Is my 2001 Volkswagen EuroVan covered for flood damage?
  • When should I buy a commercial auto policy?
  • When can my company non-renew my policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • Who is covered by my policy?

If you don’t know the answers to these 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

Educate yourself about car insurance coverages

Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages available from car insurance companies.

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, hitting a deer, damage from flooding and damage from getting keyed. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance

This provides protection from damage or injury you incur to other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as attorney fees, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen EuroVan.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Collision insurance

This coverage pays for damage to your EuroVan from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like rolling your car, colliding with a tree, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills for EMT expenses, nursing services and hospital visits. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Have money to burn

As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. In many instances, an insured dropped liability coverage limits and discovered at claim time that they should have had better coverage. The proper strategy is to get the best coverage possible for the lowest price, but don’t skip important coverages to save money.

We just showed you a lot of information how to shop for 2001 Volkswagen EuroVan insurance online. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. You may even discover the lowest prices are with a small local company. They can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.

There are still a few companies who may not offer online price quotes and most of the time these small, regional companies work with independent agencies. The cheapest 2001 Volkswagen EuroVan insurance is possible from both online companies as well as from independent agents, so you need to compare both so you have a total pricing picture.

Much more information about insurance can be read at the links below