Cheaper 2017 Volkswagen Beetle Car Insurance Rates

Trying to find lower auto insurance rates for your Volkswagen Beetle? Have you fallen victim to overpriced auto insurance? Trust us, you’re not alone.

Many insurers vie to insure your vehicles, and because of this it can be hard to compare insurers to discover the definitive best price available.

Where can I get the cheapest auto insurance?

Effectively comparing auto insurance prices can be a daunting task if you don’t know the easiest way. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you could use the internet to achieve your goal.

Many popular insurance companies are enrolled in a marketplace where prospective buyers submit one quote, and each participating company then returns a price quote determined by their information. This prevents consumers from doing quote requests to each company.

To fill out one form to compare multiple rates now click here (opens in new window).

The one downside to getting quotes like this is you cannot specify the insurers to get pricing from. If you prefer to choose individual companies for rate comparison, we have a listing of companies who write auto insurance in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make absolute certain that you use identical coverage limits for every quote you compare. If the quotes have differing limits it’s impossible to determine which rate is truly the best. Just a small difference in insurance coverages could mean much higher rates. And when quoting auto insurance, remember that comparing more quotes helps improve the odds of finding the best price. Not every company provides price estimates online, so it’s recommended that you also compare price estimates from those companies as well.

Drivers save money with these discounts

Companies offering auto insurance don’t list every discount very clearly, so below is a list both the well known in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Resident Student – who are attending college and leave their car at home may qualify for this discount.
  • Defensive Driving Course – Passing a defensive driver class could save 5% or more depending on where you live.
  • Discount for Swiching Early – Some companies give discounts for buying a policy prior to the expiration date on your current policy. It’s a savings of about 10%.
  • Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Senior Citizen Rates – If you qualify as a senior citizen, you are able to get a slight reduction on a auto insurance quote for Beetle coverage.
  • Discounts for Multiple Vehicles – Buying coverage for primary and secondary vehicles on one policy can get a discount for every vehicle.

Just know that most discount credits are not given to the overall cost of the policy. The majority will only reduce individual premiums such as collision or personal injury protection. Even though it appears all the discounts add up to a free policy, it just doesn’t work that way.

Some of the larger companies who might offer many of the previously listed discounts possibly include:

It’s a good idea to ask every insurance company to give you their best rates. Some discounts might not apply in every state. If you would like to view providers that offer some of these discounts, click here to view.

Special considerations

When buying the right insurance coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that can help discover whether your personal situation might need professional guidance.

  • How much liability do I need to cover my assets?
  • Does my medical payments coverage pay my health insurance deductible?
  • How can I find cheaper teen driver insurance?
  • Is my ex-spouse still covered by my policy?
  • Can my teen drive my company car?
  • Why am I required to buy liability insurance?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

The coverage is in the details

Learning about specific coverages of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are the usual coverages found on the average auto insurance policy.

UM/UIM Coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage

This coverage covers damage to your Beetle resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, crashing into a building, scraping a guard rail, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, fire damage and damage from flooding. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like doctor visits, dental work, ambulance fees and chiropractic care. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Liability coverages

Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair bills for other people’s vehicles, bail bonds, emergency aid, funeral expenses and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as much as you can afford.