View 2002 Volkswagen EuroVan Insurance Quotes

Price shopping your Driverscar insurance may be difficult for drivers not familiar with quoting and comparing rates online. With so many options of online companies, it can quickly become a chore to find the perfect company for you.

You need to compare rates yearly because rates are rarely the same from one policy term to another. Just because you found the lowest premium rates for Eurovan coverage a few years ago you can probably find a better price now. Forget anything you know (or think you know) about car insurance because you’re about to learn the quickest way to lower your annual insurance bill.

Insurance quotes comparison

When looking for the cheapest insurance quotes, there are a couple ways of comparing price quotes from all the different companies. By far the easiest way to find competitive 2002 Volkswagen EuroVan insurance rates consists of obtaining rate quotes online. This is very easy and can be done in a couple minutes as outlined below.

If you are pressed for time, the simplest way to find low rates is an all-inclusive rate comparison (click to open form in new window). This style of form eliminates the need for separate quotes for every company. A single form gets you price quotes instantly. Just one form and you’re done.

A slightly less efficient method to shop for insurance online is to take the time to go to the website for every company you want to comare and fill out a new quote form. For example, we’ll pretend you want to compare prices for Farmers, 21st Century and GEICO. To get rate quotes you would need to spend time on each company’s site and type in your information over and over, which can take a lot of time. For a list of companies in your area, click here.

Take whichever approach you prefer, but make sure you compare the same coverages for each price quote. If you enter different coverage information it will be very difficult to find the best deal for your Volkswagen EuroVan. Just slight variations in insurance coverages may result in large price differences. And when quoting insurance, remember that getting more free quotes increases the change that you will find more affordable rates. Not every company provides online price quotes, so it’s recommended that you also compare prices from those companies as well.

Insurance costs are influenced by these factors

Many things are part of the calculation when pricing auto insurance. Some are obvious like your driving record, but some are more transparent like your continuous coverage or your commute time.

  • Higher insurance rates for insurance lapses – Driving without insurance coverage in place is a big no-no and insurance companies will penalize you for letting your insurance coverage expire. Not only will you pay higher rates, the inability to provide proof of insurance will get you a hefty fine and possibly a revoked license.
  • Drive lots and pay more – The more miles you rack up on your Volkswagen in a year’s time the more you’ll pay to insure it. Most companies charge to insure your cars based upon how you use the vehicle. Cars that have low annual miles can get a lower rate than those used for commuting. Having an incorrect usage rating on your EuroVan may be costing you higher rates. Make sure your declarations sheet reflects the correct usage, because improper ratings can cost you money.
  • Eliminate unneeded extra policy coverages – Insurance policies have a lot of extra coverages that you can get tricked into buying on your insurance policy. Insurance for things like roadside assistance, accident forgiveness, and extra life insurance coverage are examples of these. They may seem like a good idea initially, but now you might not need them so think about removing them and cutting costs.
  • Youthful drivers cost more – Teenage drivers have been known to be less responsible when behind the wheel and because of this, their insurance rates are much higher. Parents adding a youthful driver to your policy can break the bank. Older insureds are proven to be safer behind the wheel, statistically cause fewer accidents .
  • Cheaper rates after marriage – Having a spouse may save some money on your policy. Marriage may mean you are more financially stable and it’s proven that married couples file fewer claims.
  • Urban areas may pay more – Having an address in less populated areas of the country has it’s advantages when talking about insurance. Lower population means reduced accidents and lower theft and vandalism rates. People in densly populated areas have to deal with congested traffic and a longer drive to work. The longer drive time means higher likelihood of an accident.

Insurance Coverage Discounts

Some insurance providers don’t always list all available discounts very well, so we took the time to find both well-publicized and the harder-to-find credits available to you.

  • Home Ownership Discount – Just being a homeowner can get you a discount due to the fact that maintaining a home demonstrates responsibility.
  • Discount for New Cars – Buying insurance coverage on a new vehicle is cheaper because newer vehicles are generally safer.
  • Good Student Discount – Maintaining excellent grades could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
  • Anti-theft Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen with less frequency and earn discounts up to 10% off your insurance quote.
  • Passive Restraint Discount – Vehicles equipped with air bags can get savings of up to 25% or more.
  • Low Mileage Discounts – Fewer annual miles on your Volkswagen can earn better premium rates on cars that stay parked.
  • Multiple Vehicles – Drivers who insure several vehicles on the same insurance coverage policy can get a discount for every vehicle.

We need to note that many deductions do not apply to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. Despite the fact that it seems like you can get free auto insurance, nobody gets a free ride.

A list of companies and some of their more popular discounts are shown below.

  • GEICO offers discounts for anti-lock brakes, driver training, daytime running lights, air bags, and military active duty.
  • Travelers has discounts for early quote, hybrid/electric vehicle, multi-car, home ownership, multi-policy, student away at school, and good student.
  • Farm Bureau may include discounts for renewal discount, youthful driver, multi-policy, safe driver, and 55 and retired.
  • Liberty Mutual has savings for safety features, new vehicle discount, hybrid vehicle, new move discount, exclusive group savings, and good student.
  • American Family offers discounts including multi-vehicle, early bird, bundled insurance, mySafetyValet, and Steer into Savings.
  • Progressive may have discounts that include multi-policy, multi-vehicle, homeowner, online signing, continuous coverage, online quote discount, and good student.

If you need affordable insurance quotes, ask each company or agent what discounts are available to you. A few discounts may not be offered in your area. To see companies that offer discounts, click this link.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage, there really is not a cookie cutter policy. Every insured’s situation is different.

For instance, these questions may help highlight whether or not you could use an agent’s help.

  • Why am I required to buy liability insurance?
  • Does my insurance cover a custom paint job?
  • How much liability do I need to cover my assets?
  • Is a blown tire covered by insurance?
  • Does my policy pay for OEM or aftermarket parts?
  • Are my tools covered if they get stolen from my vehicle?
  • When should I remove comp and collision on my 2002 Volkswagen EuroVan?
  • Do I need PIP coverage since I have good health insurance?
  • Who is covered when they drive my 2002 Volkswagen EuroVan?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Car insurance specifics

Having a good grasp of car insurance can help you determine the right coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and coverage can change by endorsement.

Collision protection

This pays for damage to your EuroVan caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a parking meter, damaging your car on a curb, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like funeral costs, rehabilitation expenses and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive auto coverage

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, a tree branch falling on your vehicle, a broken windshield and rock chips in glass. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability insurance

This coverage protects you from injuries or damage you cause to people or other property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims like medical services, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection 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 2002 Volkswagen EuroVan.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Spend less. Save more.

Discount 2002 Volkswagen EuroVan insurance can be bought online as well as from insurance agents, so you need to quote insurance with both in order to have the best chance of saving money. Some companies may not provide internet price quotes and most of the time these smaller companies only sell coverage through independent agents.

We just covered some good ideas how you can reduce 2002 Volkswagen EuroVan insurance prices online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding affordable insurance. You may even find the best price on auto insurance is with an unexpected company.

People change insurance companies for a variety of reasons including denial of a claim, policy non-renewal, delays in paying claims and unfair underwriting practices. It doesn’t matter why you want to switch finding a new company is not as difficult as it may seem.

Additional auto insurance information is available on the following sites: