2016 Volkswagen Beetle Convertible Insurance Rates

Searching for better insurance coverage rates for your Volkswagen Beetle Convertible? Having to pay for expensive insurance coverage can diminish your monthly budget and possibly require postponing other expenditures. Lots of insurers contend for your business, and because of this it can be hard to compare insurers to get the best rate

Consumers should take time to get comparison quotes before your next renewal due to the fact that insurance rates trend upward over time. Even if you think you had the best premium rates for Beetle Convertible insurance six months ago the chances are good that you can find a lower price today. Don’t believe everything you read about insurance coverage on the internet, but you can learn some excellent ideas to find cheap insurance coverage.

If you have insurance now or are shopping for new coverage, you can learn to find better prices and still get good coverage. Finding affordable coverage is quite easy. Drivers only need to know how to compare rates over the internet.

Components of your Volkswagen Beetle Convertible insurance prices

Consumers need to have an understanding of a few of the rating criteria that come into play when calculating your policy premiums. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can help you get big savings. Multiple criteria are used when you quote your car insurance policy. Some are pretty understandable such as your driving record, but other factors are more obscure such as your marital status and annual miles driven.

  • Single drivers take more risk – Your spouse actually saves money compared to being single. Having a spouse demonstrates that you tend to be more mature and responsible and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • Are males or females drivers cheaper? – Statistics have proven females are less aggressive when driving. The data does not necessarily mean that females are better at driving than males. Both sexes cause accidents at a similar rate, but the men cause more damage. Men also tend to get ticketed for serious violations like reckless driving and DUI. Males from age 16 to 21 tend to get in the most accidents and therefore pay the highest rates.
  • Bundle home and auto and save – Lots of car insurance companies allow a discount to customers that have more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, you still need to get quotes from other companies to help guarantee you have the best rates.
  • Raising physical damage deductibles saves money – Protection for physical damage, also called ‘full coverage’, helps pay for damage to your vehicle. A few examples of covered claims could be a dented fender, damage caused by hail, or theft. Your deductibles tell how much you are required to spend out-of-pocket in the event of a claim. The more of the claim the insured has to pay upfront, the lower your rates will be for Beetle Convertible insurance.
  • Your credit score is important – Credit score is a big factor in calculating your premium rate. Therefore, if your credit history is low, you could potentially save money when insuring your 2016 Volkswagen Beetle Convertible if you improve your credit rating. Insureds that have excellent credit scores tend to be better risks to insure than drivers who have poor credit.
  • Good drivers pay lower rates – Your driving citation history has a lot to do with how much you pay for insurance. Good drivers receive lower rates than bad drivers. Getting just one citation may cause rates to rise to the point where it’s not affordable. People who have careless tickets like reckless driving or DUI may need to complete a SR-22 with their state motor vehicle department in order to continue driving.
  • Little extras can really add up – There are a lot of additional coverages that you can get tricked into buying if you aren’t careful. Coverages like coverage for rental cars, accident forgiveness, and extra equipment coverage are examples of these. The coverages may be enticing when discussing your needs, but if they’re wasting money get rid of them and save.
  • Deter car thieves – Choosing a vehicle with a theft deterrent system can save you a little every year. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft and help lower rates.

The best way to compare car insurance company rates is to know the fact almost all companies allow for online access to quote your coverage. The only thing you need to do is provide a small amount of information including your credit rating estimate, your occupation, whether you drive to work or school, and distance driven. Your rating data gets sent immediately to insurance carriers in your area and you get price estimates quickly.

Beware of misleading auto insurance ads

Consumers can’t get away from ads for auto insurance savings from the likes of Progressive, GEICO, Allstate and State Farm. All the companies have a common claim of big savings just by switching your policy.

How is it plausible that every one can save you money? Here is how they do it.

Most companies require specific criteria for the type of driver that will generate a profit. An example of a profitable insured should be between the ages of 30 and 45, has a clear driving record, and insures a new vehicle. A customer who meets those qualifications will qualify for the lowest rates and will save a lot if they switch.

Insureds who do not meet this stringent profile may be required to pay a higher rate and this can result in business not being written. If you listen to the ad wording, they say “people who switch” not “everyone who quotes” can save as much as they claim. That’s the way insurance companies can confidently state the savings. This really emphasizes why you really should get price quotes at each policy renewal. It’s not possible to predict which insurance companies will have the lowest prices for your situation.

Affordable insurance rates with discounts

Companies don’t necessarily list every policy discount in a way that’s easy to find, so the following list contains both the well known as well as the least known credits that may apply to you.

  • Early Renewal Discounts – Some insurance companies provide a discount for switching companies prior to your current policy expiration. It could save around 10% when you buy insurance online.
  • First Accident Forgiveness – This one isn’t a discount, but companies like State Farm and Allstate will forgive one accident without the usual rate increase as long as you don’t have any claims for a set time period.
  • Multiple Cars – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Onboard Data Collection – Insureds that choose to allow driving data submission to study driving patterns by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may see discounts if they have good driving habits.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.

Don’t be shocked that most discounts do not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

If you would like to choose from a list of insurers offering insurance discounts, click here to view.

Tailor your car insurance coverage to you

When choosing proper insurance coverage, there really is no cookie cutter policy. Every situation is different so your insurance should reflect that For instance, these questions can help discover if your insurance needs might need professional guidance.

  • Is business property covered if stolen from my car?
  • Do I have coverage when making deliveries for my home business?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How much underlying liability do I need for an umbrella policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need higher collision deductibles?
  • Does car insurance cover theft of personal property?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverages

Having a good grasp of your policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by car insurance companies.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like falling objects, hitting a deer, a tree branch falling on your vehicle, hitting a bird and rock chips in glass. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage will pay to fix damage to your Beetle Convertible resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like driving through your garage door, sideswiping another vehicle, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for pain medications, prosthetic devices and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your 2016 Volkswagen Beetle Convertible.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Liability insurance

Liability insurance will cover injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for claims such as repair bills for other people’s vehicles, legal defense fees, loss of income, bail bonds and medical expenses. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Save your hard earned cash

We just showed you a lot of techniques to reduce 2016 Volkswagen Beetle Convertible insurance car insurance rates online. The most important thing to understand is the more companies you get premium rates for, the higher the chance of saving money. Consumers may even find the lowest priced insurance coverage comes from a smaller regional carrier. Regional companies may often insure only within specific states and give getter rates compared to the large companies like Progressive and GEICO.

When searching for low cost insurance quotes, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at the best price, but do not sacrifice coverage to save money.

Much more information about insurance coverage can be read at the links below