Cheap 2012 Volkswagen Beetle Insurance Quotes

Searching for lower insurance rates for your Volkswagen Beetle? Are you overwhelmed by the sheer number of insurance choices? Many other consumers are too. You have so many options available that it can quickly become a lot of work to compare prices.

You need to price shop coverage quite often because rates are adjusted regularly by insurance companies. Even if you think you had the best price for Beetle coverage last year you can probably find a better price now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to how to use the internet to buy cheaper insurance.

Fast and Easy Insurance Quotes

There are multiple methods to shop for 2012 Volkswagen Beetle insurance, but some are more efficient than others. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can utilize the internet for quick rates.

Most of the larger companies enroll in a system that enables customers to submit their information once, and each participating company can give them a price based on that data. This saves time by eliminating quotation requests for each company you want a rate for.

To participate in this free quote system, click here to open in new window.

One minor caviat to getting quotes like this is that you can’t choose which providers you will receive quotes from. So if you want to select individual companies to receive pricing from, we have a page of companies who write insurance in your area. Click here to view list.

Whichever method you choose, make darn sure you compare apples-to-apples coverage limits on every quote you get. If each company quotes unequal deductibles or liability limits then you won’t be able to find the best deal for your Volkswagen Beetle. Slightly different insurance coverages can mean a large discrepancy in price. Just remember that getting more free quotes helps locate better pricing.

Volkswagen Beetle insurance rates consist of many parts

An important part of buying insurance is that you know the factors that go into determining car insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that will entitle you to lower car insurance prices.

Listed below are a few of the “ingredients” car insurance companies consider when setting prices.

  • Better crash test results mean better rates – Vehicles with good safety scores can get you lower premiums. Safe vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your Volkswagen Beetle is rated at least four stars on Safercar.gov you are probably receiving a discount.
  • Lower rates come with age – More mature drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Young drivers are statistically proven to be careless and easily distracted when driving and because of this, their car insurance rates are much higher.
  • Don’t sacrifice liability coverage – Your policy’s liability coverage provides coverage if you are found to be at fault for damages caused by your negligence. It provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
  • An active claims history can cost you – Companies generally give better rates to insureds who file claims infrequently. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Auto insurance is designed for the large, substantial claims.

Verify you’re getting all your discounts

Auto insurance companies don’t always advertise all available discounts in a way that’s easy to find, so here is a list both well-publicized and the harder-to-find ways to save on insurance coverage.

  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off for Beetle coverage depending on your company.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Passive Restraints – Factory air bags or automatic seat belts can get savings up to 30%.

Drivers should understand that most credits do not apply to the entire cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck.

For a list of providers with discount insurance coverage rates, click this link.

When should I talk to an agent?

When it comes to buying proper insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions could help you determine if your insurance needs could use an agent’s help.

  • What happens if I owe more than my 2012 Volkswagen Beetle is worth?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How can I get high-risk coverage after a DUI?
  • Are rock chip repairs covered?
  • Does medical payments coverage apply to all occupants?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered if I wreck a rental car?
  • Does coverage extend to a rental car in a foreign country?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Educate yourself about auto insurance coverages

Having a good grasp of auto insurance can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Volkswagen Beetle.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Comprehensive auto insurance

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, damage from flooding, hitting a bird, damage from getting keyed and hail damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as rolling your car, scraping a guard rail and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like rehabilitation expenses, doctor visits, EMT expenses, prosthetic devices and ambulance fees. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance

Liability coverage will cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as emergency aid, medical expenses, attorney fees and funeral expenses. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Make an honest buck

When trying to cut insurance costs, you should never buy poor coverage just to save money. In many cases, an accident victim reduced liability limits or collision coverage and learned later that the savings was not a smart move. Your focus should be to buy enough coverage for the lowest price.

Insureds switch companies for any number of reasons including being labeled a high risk driver, delays in paying claims, delays in responding to claim requests and even extreme rates for teen drivers. Regardless of your reason for switching companies, finding the right car insurance provider can be easy and end up saving you some money.

You just read a lot of tips how to reduce 2012 Volkswagen Beetle insurance prices online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with an unexpected company.

Additional car insurance information can be found at the links below