Lower Your 2015 Volkswagen Beetle Insurance Quotes

Want better insurance coverage rates for your Volkswagen Beetle? Overpriced Volkswagen Beetle insurance can take a big chunk out of your personal savings and make it hard to pay other bills. Doing a price comparison is a smart way to slash your bill and have more diposable income.

Popular companies such as State Farm, Farmers Insurance, Geico and Allstate all promote huge savings with catchy ads and it is challenging if not impossible to see past the corporate glitz and take the time to shop coverage around.

Comprehensive Car Insurance Comparison Quotes

Effectively comparing car insurance prices can be challenging if you aren’t aware of the fastest way to get free quotes. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to quickly compare rates.

Most car insurance companies are enrolled in a marketplace where insurance shoppers enter their coverage request one time, and at least one company returns a competitive quote for coverage. This system prevents you from having to do quotation requests for every car insurance company.

To find out how much you’re overpaying now click here to start a free quote.

The one downside to comparing rates this way is buyers cannot specifically choose which companies you will receive quotes from. So if you want to choose individual companies to request quotes from, we have assembled a list of companies who write car insurance in your area. View list of insurance companies.

Whichever way you use, double check that you are using identical coverages and limits for every company. If you use different limits and deductibles on each one it will be next to impossible to make a fair comparison for your Volkswagen Beetle. Just a small difference in coverages may result in a large different in cost. And when comparison shopping, having more price comparisons gives you a better chance of getting a better price.

Why your Volkswagen Beetle insurance rates may be high

An important part of buying insurance is that you know some of the elements that help determine car insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that can help you get big savings.

  • Bump up deductibles to save – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Volkswagen. Some examples of claims that would be covered are running into the backend of another car, collision with an animal, and burglary. The deductibles are how much you are willing to pay out-of-pocket before a claim is paid by your company. The more money the insured has to pay upfront, the bigger discount you will receive for Beetle coverage.
  • Small claims can cost you – If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Auto insurance companies award cheaper rates to insureds who do not file claims often. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
  • High credit ratings translate to low rates – A driver’s credit score is a large factor in calculating your car insurance rates. Consumers who have excellent credit tend to be less risk to insure than drivers who have lower ratings. Therefore, if your credit history is low, you could save money insuring your 2015 Volkswagen Beetle by improving your credit score.
  • Drive a safer car and pay less – Safer cars tend to have better insurance rates. These vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If the Volkswagen Beetle earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Always keep insurance in force – Driving without insurance can get your license suspended and your next policy will cost more because you let your coverage lapse. Not only will you pay more, failure to provide proof of insurance can result in a steep fine or even jail time.You may have to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.

Don’t pay full price with these discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not even be aware of. Most are applied when you complete an application, but lesser-known reductions have to be requested specifically before you will receive the discount.

  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Organization Discounts – Affiliation with a professional or civic organization is a good way to get lower rates on your policy for Beetle coverage.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may earn approximately 10% to 15%.
  • Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiring. It’s a savings of about 10%.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comp or med pay. Even though it may seem like adding up those discounts means a free policy, insurance companies aren’t that generous. Any amount of discount will bring down your premiums.

Insurance companies who might offer these money-saving discounts may include but are not limited to:

Double check with every prospective company which discounts you may be entitled to. All car insurance discounts might not apply everywhere.

Your personal situation dictates your coverage

When it comes to buying adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might point out if your situation will benefit from professional help.

  • Is my trailer covered?
  • Should I buy more coverage than the required minimum liability coverage?
  • Who is covered by my policy?
  • Does my 2015 Volkswagen Beetle qualify for pleasure use?
  • Does car insurance cover theft of personal property?
  • Is a blown tire covered by insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • What is the minimum liability in my state?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverage options for a Volkswagen Beetle

Knowing the specifics of a insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages available from insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, hitting a deer, vandalism, damage from flooding and fire damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Volkswagen Beetle.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Medical expense insurance

Med pay and PIP coverage pay for bills for things like EMT expenses, nursing services and dental work. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Liability auto insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as bail bonds, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a building, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Compare but don’t skimp

Budget-conscious 2015 Volkswagen Beetle insurance is possible both online in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from. Some companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

Throughout this article, we presented a lot of techniques to save on insurance. The key thing to remember is the more quotes you get, the better your comparison will be. You may be surprised to find that the best prices are with a smaller regional carrier. These companies may cover specific market segments cheaper compared to the large companies like Progressive and Geico.

To learn more, take a look at the following helpful articles: