5 Excellent Ways to Cut Your Volkswagen Eurovan Insurance Rates

Have you fallen victim to high-priced car insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse.

Insurance companies such as Progressive, GEICO and Farmers Insurance all claim big savings, bombarding you with advertising and consumers find it hard to see past the geckos and flying pigs and do the work needed to find the best deal.

If you currently have a car insurance policy, you will be able to cut costs considerably using these tips. Finding affordable coverage is not rocket science. But vehicle owners do need to understand how big insurance companies sell insurance online.

Save money by taking advantage of these discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that can drop the cost substantially. Most are applied at quote time, but a few must be requested specifically prior to receiving the credit.

• Defensive Driver – Taking part in a driver safety course could possibly earn you a 5% discount if your company offers it.
• Clubs and Organizations – Affiliation with a qualifying organization could trigger savings when shopping for car insurance on Eurovan coverage.
• Passive Restraints and Air Bags – Cars that have air bags can qualify for discounts of 20% or more.
• Federal Employees – Employees or retirees of the government could cut as much as 10% off on Eurovan coverage with certain companies.
• No Accidents – Claim-free drivers pay much less compared to frequent claim filers.
• Drive Less and Save – Driving fewer miles can earn lower rates on the low mileage vehicles.
• Auto/Home Discount – If you have multiple policies with one company you may save up to 20% off your total premium.
• Life Insurance Discount – Larger companies have better rates if you take out auto and life insurance together.
• Drivers Education – Require your teen driver to complete a driver education course in high school.

Drivers should understand that some credits don’t apply to the entire policy premium. Some only apply to specific coverage prices like collision or personal injury protection. So when it seems like you could get a free car insurance policy, it just doesn’t work that way. But all discounts will help reduce your premiums.

To choose insurers with discount car insurance rates, click this link.

What determines your Volkswagen Eurovan insurance premium

An important part of buying insurance is that you know the rating factors that go into determining your car insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with lower car insurance prices.

• Do you need the policy add-ons? – There are a ton of extra bells and whistles that you can get tricked into buying when buying car insurance. Insurance for rental car reimbursement, accidental death and membership fees are examples of these. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
• Where you live can impact rates – Residing in less populated areas has it’s advantages when talking about car insurance. Fewer drivers means a lower chance of having an accident and a lower car theft rate. City drivers have congested traffic and a longer drive to work. More time commuting can result in more accidents.
• Always keep insurance in force – Driving with no insurance can get your license suspended and as a result your rates will increase for letting your coverage have a gap. And not only will your rates increase, but being ticketed for driving with no insurance might get you a license revocation or jail time.
• Tickets mean higher rates – Just one speeding ticket can boost insurance rates twenty percent or more. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who have severe citations such as reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
• Older drivers pay less – Older drivers are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel. Young drivers tend to get distracted easily behind the wheel and because of this, their car insurance rates are much higher.

But don’t I need an insurance agent?

Certain consumers would prefer to sit down with an agent and that is OK! The biggest benefit of comparing insurance prices online is that you can obtain the best rates and still choose a local agent. Supporting local insurance agencies is especially important in small towns and cities.

After filling out this form (opens in new window), your insurance data is instantly submitted to local insurance agents who will battle to get your business. You don’t have to visit any agencies due to the fact that quote results will go to your email. Now that’s easy! Get lower rates AND a local agent.

Two different types of auto insurance agents

When researching local agents, you need to know there are two types of insurance agents that you can select. Agencies can either be captive or independent.

Independent Insurance Agents

Independent agents are not employed by any specific company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency.

When searching for an agent, it’s recommended you contact at a minimum one independent agency to have the most options to choose from.

Captive Insurance Agents

Captive insurance agents have only one company to place business with like AAA, State Farm, Farmers Insurance and Allstate. Captives cannot provide prices from multiple companies so keep that in mind. These agents receive extensive training on the products they sell which helps them sell insurance even at higher premiums.

To view a full list of agents, visit this site.

Selecting a car insurance agent shouldn’t rely on just a low price. Some important questions to ask are:

• Do they assist clients in filing claims?
• How long have they worked with personal auto insurance coverage?
• If you are a high risk driver, do they have special markets for your coverage?
• What insurance companies do they recommend if they are an independent agent?
• Which company do they place the most coverage with?
• What are the financial ratings for the companies they represent?
• How long has their agency been open?
• Is working in the agency their full-time job?

Upon receiving acceptable answers to your questions and a good coverage price, most likely you have located an insurance agency that meets your needs to properly service your car insurance policy.

Don’t believe everything you hear

State Farm, Allstate and GEICO continually stream ads on TV and radio. All the companies say the same thing about savings after switching to their company. How can each company make almost identical claims?

All companies can use profiling for the type of driver they prefer to insure. An example of a preferred risk might be profiled as a mature driver, is a homeowner, and has a high credit rating. A customer getting a price quote who meets those qualifications will get very good rates and as a result will probably save when they switch companies.

Potential customers who don’t qualify for this ideal profile will have to pay higher prices which leads to business going elsewhere. The ads say “customers that switch” not “people who quote” save money. This is how companies can truthfully state the savings.

Because of the profiling, it’s extremely important to get as many quotes as possible. It’s just too difficult to predict which company will give you the biggest savings.

Shop smart and save

We just showed you quite a bit of information on how to lower your Volkswagen Eurovan insurance rates. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with an unexpected company. Smaller companies often have lower prices on specific markets than their larger competitors like Allstate, GEICO and Progressive.

When you buy insurance online, you should never buy poor coverage just to save money. There are too many instances where drivers have reduced liability coverage limits only to find out that it was a big mistake. Your aim should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.