2014 Volkswagen Beetle Convertible Insurance Quotes – 5 Tips to Save

Are you intimidated by the dozens of car insurance companies? Many other consumers are too. Consumers have so many companies to choose from that it can quickly become a challenge to locate the lowest price.

How to Lower Your Auto Insurance Cost

All major auto insurance companies provide coverage price quotes on the web. Obtaining pricing is pretty painless as you just enter the coverage amounts you desire as requested by the quote form. Behind the scenes, the system will obtain credit information and your driving record and quotes a price determined by many factors.

This simplifies rate comparisons, but the process of having to visit each company’s website and repetitively enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to compare as many rates as possible if you are searching for the best price possible.

There is a better way!

A less time-consuming method to get multiple rate quotes requires only one form that obtains quotes from several companies at one time. It saves time, eliminates repetitive work, and makes price shopping online much easier to do. As soon as you send your information, it gets priced and you are able to buy any or none of the pricing results.

If a lower price is quoted, you can simply submit the application and buy the new coverage. The entire process can be completed in less than 10 minutes and could lower your rates considerably.

To find out how much you can save on auto insurance, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you type in the coverages identical to your current policy. Using the same limits helps guarantee you are getting comparison quotes based on the exact same insurance coverage.

You probably qualify for some discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts to help offset the cost. Most are applied when you purchase, but less common discounts must be specifically requested prior to getting the savings.

  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • Paperless Signup – Some insurance companies give back up to $50 just for signing your application digitally online.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% on Beetle Convertible coverage with certain companies.

It’s important to note that most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like comp or med pay. So when the math indicates it’s possible to get free car insurance, car insurance companies aren’t that generous. Any qualifying discounts will bring down the amount you have to pay.

For a list of insurance companies with discount car insurance rates, follow this link.

There’s no such thing as the perfect policy

When it comes to buying adequate coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions can help discover if you might need an agent’s assistance.

  • Do I need replacement cost coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Is a new car covered when I drive it off the dealer lot?
  • What if I total my 2014 Volkswagen Beetle Convertible and owe more than it’s worth?
  • Can my teen drive my company car?
  • Is my custom paint covered by insurance?
  • Does insurance cover tools stolen from my truck?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Insurance policy specifics

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as emergency aid, legal defense fees, loss of income and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Coverage for collisions

Collision coverage will pay to fix damage to your Beetle Convertible resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a ditch, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Volkswagen Beetle Convertible.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, damage from getting keyed, fire damage and vandalism. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for bills such as nursing services, prosthetic devices and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible