Compare 2018 Volkswagen Beetle Insurance Quotes

Do you think you bought high-priced insurance? Believe me when I say you are not the only one feeling buyer’s remorse. Multiple insurers compete to insure your vehicles, so it’s not easy to compare every insurer to find the absolute best price available.

You need to do price comparisons before your policy renews because prices change frequently. Just because you had the lowest quotes for Beetle insurance two years ago there is a good chance you can find better rates now. Ignore everything you know about insurance because you’re going to learn the easiest way to find lower rates on insurance.

If you have a policy now or need a new policy, you can use this information to get lower rates while maintaining coverages. Buying car insurance is easy if you know what you’re doing. Drivers just need to learn the most efficient way to shop for car insurance over the internet.

Insurance policy discounts you can’t miss

Insurance is not inexpensive, but you might be missing out on some discounts that can help lower your rates. Certain discounts will be triggered automatically when you get a quote, but some discounts are required to be asked for before being credited.

  • Multiple Cars – Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up before driving can save 10% or more on the premium charged for medical payments and/or PIP.
  • Safety Course Discount – Participating in a defensive driver course is a good idea and can lower rates and easily recoup the cost of the course.
  • Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • Buy New and Save – Buying insurance coverage on a new vehicle can get you a discount since new vehicles are generally safer.
  • Payment Method – By paying your policy upfront as opposed to paying monthly you may reduce your total bill.

One last thing about discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to specific coverage prices like liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, it doesn’t quite work that way.

Companies and their offered discounts are outlined below.

  • Farmers Insurance policyholders can earn discounts including pay in full, electronic funds transfer, homeowner, multi-car, and youthful driver.
  • Esurance has discounts for Pac-12 alumni, claim free, paid-in-full, homeowner, Switch & Save, and online quote.
  • State Farm may offer discounts for Steer Clear safe driver discount, defensive driving training, accident-free, safe vehicle, and multiple policy.
  • Geico includes discounts for military active duty, driver training, air bags, seat belt use, good student, and defensive driver.
  • Allstate may include discounts for defensive driver, anti-lock brakes, EZ pay plan discount, 55 and retired, premier discount, and senior citizen.

It’s a good idea to ask all the companies to give you their best rates. Some discounts listed above may not apply in your state. If you would like to view insurance companies that offer multiple discounts, click here.

Get Volkswagen Beetle insurance for less

Lots of things are used when you get your auto insurance bill. Some of the criteria are obvious like your driving record, but some are not as apparent such as your credit history and annual miles driven.

The following are some of the most rate-impacting factors used by your company to calculate your rates.

  • Which gender costs less? – Over time, data shows that females tend to be a little less risky than males. However, this does not mean men are worse drivers. They both are responsible for at-fault accidents in similar numbers, but the men get into accidents with more damage. In addition to higher claims, males also get ticketed for serious violations like DWI (DUI) or reckless driving.
  • Lower prices with continuous insurance coverage – Letting your insurance expire is a sure-fire way to increase your rates. Not only will rates go up, being ticketed for driving with no insurance will get you a license revocation or jail time. You could then be forced to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Remove unneeded incidental coverages – Policies have additional extra coverages that sound like a good idea at the time on your insurance policy. Coverages for vanishing deductibles, better glass coverage, and membership fees may not be needed and are just wasting money. They may seem like a good idea initially, but if they’re wasting money remove them from your policy.
  • Better credit means lower premiums – Credit rating factor in calculating your premium rate. Drivers with excellent credit scores tend to be less risk to insure as compared to drivers with lower credit ratings. If your credit history is low, you could save money insuring your 2018 Volkswagen Beetle by taking the time to improve your credit score.
  • Lower comp and collision deductibles cost more – Physical damage coverage, otherwise known as comp (or other than collision) and collision, helps pay for damage to your vehicle. Some examples of covered claims could be collision with another vehicle, hitting a deer, and burglary. The deductibles define how much you are willing to pay if the claim is covered. The more you’re willing to pay, the lower your rates will be for Beetle insurance.
  • Responsible drivers pay lower prices – Drivers with clean records get better prices than bad drivers. Even one speeding ticket may increase your cost forty percent or more. Drivers who have gotten flagrant tickets like DWI, reckless driving or hit and run convictions may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to legally drive.
  • Premiums are high for teenagers – Youthful drivers have been known to be more careless when at the wheel of a vehicle so insurance rates are higher. Parents adding a young driver to your insurance policy can increase premiums substantially. More mature drivers tend to be more responsible, cause fewer claims and accidents and get fewer tickets.
  • Insurance rates and your vocation – Did you know your career choice can influence rates? Occupations like real estate brokers, business owners and miners tend to have higher rates than average attributed to intense work-related stress and long work days. Conversely, careers like professors, historians and performers pay lower than average rates for Beetle insurance.

Insurance agents can help

When it comes to choosing proper insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that may help highlight if you may require specific advice.

  • Is my teen driver covered when they drive my company car?
  • Is a fancy paint job covered?
  • Why does it cost so much to insure a teen driver?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I have a commercial auto policy?
  • If my pet gets injured in an accident are they covered?
  • I have a DUI can I still get coverage?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Insurance coverage ads bend the truth

Drivers can’t ignore all the ads that claim the best car insurance rates from the likes of State Farm and Allstate. They all state the claim that drivers will save a bundle after switching to them.

How does each company charge less that you’re paying now? This is the trick they use.

Companies quote the lowest rates for the type of driver that will add to their bottom line. An example of a desirable risk might be described as a female over age 40, carries full coverage, and has a high credit rating. A driver that meets those criteria receives the best rates and therefore will save if they switch.

Potential insureds who fall outside the requirements will see a more expensive rate and ends up with business not being written. If you pay close attention to the ads, they say “people who switch” not “everyone who quotes” save that much money. That is how companies can claim big savings.

Different companies use different criteria so it is so important to get price quotes at each policy renewal. Because without a comparison, you cannot know with any certainty which company will have the best car insurance rates.

Insurance coverages 101

Understanding the coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.

Auto collision coverage

This covers damage to your Beetle resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a mailbox, colliding with another moving vehicle, rolling your car, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Volkswagen Beetle.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like doctor visits, X-ray expenses, rehabilitation expenses and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a bird, vandalism and damage from flooding. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance

Liability coverage protects you from damage that occurs to other people or property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims like funeral expenses, medical services, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Buy online or local, you save

We just covered some good ideas how you can lower your 2018 Volkswagen Beetle insurance premium rates. The most important thing to understand is the more rate quotes you have, the better likelihood of getting cheap auto insurance. You may even discover the biggest savings come from the smaller companies. They may have significantly lower prices on certain market segments compared to the large companies like Geico and State Farm.

Budget-friendly car insurance is definitely available online in addition to local insurance agencies, and you need to price shop both to have the best chance of lowering rates. Some car insurance companies do not offer price quotes online and many times these small, regional companies provide coverage only through independent agents.

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