Cheaper 2017 Volkswagen Beetle Convertible Insurance Rates

Looking for cheaper auto insurance rates for your Volkswagen Beetle Convertible? If you are new to online price comparisons, you can be confused by the crazy number of insurance providers competing for business.

The purpose of this post is to introduce you to the best way to quote coverages and some tips to save money. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these methods. Nevertheless, drivers need to learn the way companies market insurance on the web because it can help you find the best coverage.

The cheapest insurance quotes

There are several ways to compare insurance quotes, but some are more efficient than others. You could spend your day talking to insurance agencies in your area, or you could use the internet to accomplish the same thing much quicker.

Most car insurance companies belong to a marketplace where insurance shoppers submit their information once, and at least one company can provide price quotes based on that information. This system prevents you from having to do quotation requests to each company.

To compare rates now click here to start a free quote.

The one downside to comparing rates this way is you don’t know exactly the providers you want pricing from. So if you want to choose specific providers to compare rates, we have a page of low cost insurance companies in your area. Click to view list.

Take whichever approach you prefer, but make absolute certain that you use the exact same coverages and limits with each company. If you use unequal deductibles or liability limits it’s not possible to make a fair rate comparison. Even a minor difference in limits may result in large price differences. And when price shopping your coverage, making a lot of price comparisons helps improve the odds of finding the best rates. Some smaller insurers to not give online price quotes, so you need to compare rates from the smaller companies as well.

Take advantage of with these discounts

Some providers don’t always publicize every policy discount in a way that’s easy to find, so below is a list some of the more common as well as the least known credits available to lower your premiums when you buy insurance online.

  • Driver Safety – Passing a defensive driver course could save 5% or more if your company offers it.
  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a lower auto insurance rate if you buy auto and life insurance together.
  • Government Employee Discount – Active or retired federal employment may qualify for a discount when you quote insurance for Beetle Convertible insurance depending on your company.
  • Distant Student Discount – Youth drivers who are enrolled in higher education away from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Driving Data Discount – Policyholders that allow companies to spy on driving patterns through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates as long as they are good drivers.
  • Multi-car Discount – Having multiple cars or trucks on one policy can get a discount for every vehicle.
  • ABS Braking Discount – Cars and trucks with anti-lock braking systems can avoid accidents so companies give up to a 10% discount.

Consumers should know that most credits do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, nobody gets a free ride.

To locate auto insurance companies that offer multiple discounts, click here.

Your situation helps dictate your coverage

When buying the right insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that may help you determine whether or not you could use an agent’s help.

  • How high should my medical payments coverage be?
  • Does liability extend to a camper or trailer?
  • Should I get collision insurance on every vehicle?
  • When should I buy a commercial auto policy?
  • Is my 2017 Volkswagen Beetle Convertible covered for smoke damage?
  • I have health insurance so do I need medical payments coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Will I lose any money if I cancel my policy before it expires?
  • How do I buy GAP insurance?
  • What is roadside assistance coverage?

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, simply complete this short form.

Auto insurance coverages 101

Having a good grasp of a auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for liability

This protects you from damage that occurs to other’s property or people by causing an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like bail bonds, attorney fees and medical expenses. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, damage from a tornado or hurricane, hitting a deer, a broken windshield and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses for things like EMT expenses, rehabilitation expenses and dental work. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Beetle Convertible.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

Collision insurance

This coverage pays for damage to your Beetle Convertible caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like hitting a mailbox, colliding with another moving vehicle, damaging your car on a curb and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.