2014 Volkswagen Beetle Insurance Quotes

Looking for the cheapest car insurance rates for your Volkswagen Beetle? Comparison shopping for car insurance is always a challenge for consumers not familiar with comparing rates online. People have so many choices that it can easily become a big hassle to find the best price.

The purpose of this post is to help educate you on how car insurance quotes work and some tricks to saving. If you have car insurance now, you will be able to lower your premiums substantially using these techniques. Although consumers do need to know how insurance companies sell insurance online because it can help you find the best coverage.

Finding Insurance Deals

All the larger insurance companies such as Progressive, Allstate and Geico allow you to get insurance quotes on the web. This process is quite simple as you simply enter the coverages you want into a form. After the form is submitted, their rating system pulls your credit score and driving record and returns pricing information.

This makes it a lot easier to compare rates but the work required to visit a lot of sites and complete many quote forms can be a bit repetitive. But it’s very important to have as many quotes as possible in order to find the lowest price.

The smarter way to locate the lowest prices requires only one form that analyzes rates from multiple companies. It saves time, helps eliminate reptitive entry, and makes rate comparisons a little more enjoyable. After sending your information, it is quoted and you can select any of the pricing results.

If you find a better price you simply finish the application and buy the policy. This process takes just a few minutes to complete and may save quite a bit of money.

To quickly find out how much you can save on insurance, click here to open in new window and fill out the form. If you have a policy now, it’s recommended that you enter coverages and limits just like they are on your policy. This helps ensure you will have a rate comparison using the exact same coverages.

Best discounts on 2014 Volkswagen Beetle coverage

Insuring your vehicles can cost a lot, but there could be available discounts to cut the cost considerably. Some trigger automatically at quote time, but lesser-known reductions have to be manually applied before you will receive the discount.

  • Memberships – Affiliation with a qualifying organization could qualify you for a break when buying car insurance on Beetle coverage.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The discount lasts up until you turn 25.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save 10% or more off your medical payments premium.
  • No Charge for an Accident – Certain companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you could get a discount of at least 10% off all policies.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Some only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, car insurance companies aren’t that generous. Any qualifying discounts will help reduce your premiums.

To see a list of companies offering car insurance discounts, click this link.

Tailor your coverage to you

When it comes to buying adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out if you might need an agent’s assistance.

  • What can I do if my company denied a claim?
  • Why do I need rental car insurance?
  • How does medical payments coverage work?
  • Which companies will insure high-risk drivers?
  • Do I need PIP coverage since I have good health insurance?
  • Do I need added coverage for expensive stereo equipment?
  • Is my 2014 Volkswagen Beetle covered for flood damage?
  • Should I put collision coverage on all my vehicles?
  • Can my teen driver be rated on a liability-only vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form.

Auto insurance coverages

Having a good grasp of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Coverage for collisions

This coverage covers damage to your Beetle from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like damaging your car on a curb, backing into a parked car, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for X-ray expenses, doctor visits, funeral costs and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability

Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as repair costs for stationary objects, medical services, emergency aid, loss of income and court costs. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Comprehensive auto coverage

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, a broken windshield, theft, vandalism and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Save your cold hard cash

You just learned many ways to shop for 2014 Volkswagen Beetle insurance online. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. Consumers could even find that the lowest rates come from some of the lesser-known companies.

When trying to cut insurance costs, it’s a bad idea to reduce needed coverages to save money. There are too many instances where an insured dropped physical damage coverage to discover at claim time that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Consumers change insurance companies for a variety of reasons including high rates after DUI convictions, delays in responding to claim requests, delays in paying claims or even policy cancellation. It doesn’t matter why you want to switch choosing a new company can be easier than you think.

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