2018 Volkswagen Beetle Convertible Car Insurance Quotes

Want better insurance coverage rates for your Volkswagen Beetle Convertible? Having to pay for high-priced insurance coverage can take a big chunk out of your savings and make it hard to pay other bills.

Due to the abundance of different company options, it can be impossible to choose the most cost effective company.

It’s a great practice to do price comparisons at least once a year because insurance coverage prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest price for Beetle Convertible insurance six months ago there is a good chance you can find better rate quotes now. There are lots of tips to save on insurance coverage online but in this article, you’re going to get some good information on how to reduce your insurance coverage bill.

How to find cheap car insurance

Most companies provide insurance quotes direct online. Comparing rates online is pretty painless because it’s just a matter of typing in your coverage preferences as detailed in the form. Behind the scenes, their rating system makes automated requests for credit information and your driving record and provides a quote based on these and other factors. Online quotes helps simplify price comparisons, but the time it takes to visit several different sites and type in the same information is a waste of time. But it’s very important to do this if you are searching for a lower rate.

The better way to compare rates

A more efficient way to lower your car insurance bill uses just one form that analyzes rates from multiple companies. The form is fast, reduces the work, and makes online shopping much easier to do. Immediately after submitting the form, your coverage is rated and you are able to buy your choice of the quotes returned.

If you find a better price you can click and sign and buy the new coverage. This process only takes a few minutes and can result in significant savings.

In order to get comparison pricing now, simply click here to open in new window and submit the form. If you have a policy now, it’s recommended you input your coverages identical to your current policy. Using the same limits helps guarantee you are getting rate quotes for similar insurance coverage.

Car insurance quotes and discounts

Some insurers do not advertise all possible discounts in a way that’s easy to find, so we break down a few of the more common as well as the least known credits that may apply to you.

  • Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Club Memberships – Being in qualifying clubs or civic groups is a good way to get lower rates when shopping for car insurance.
  • Pay Now and Pay Less – By paying your entire bill at once as opposed to paying monthly you could save 5% or more.
  • College Student Discount – Older children living away from home attending college and leave their car at home could qualify for this discount.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, you’re out of luck.

A list of car insurance companies and the discounts they provide can be read below.

  • Geico may include discounts for air bags, multi-vehicle, daytime running lights, membership and employees, and driver training.
  • MetLife offers discounts for accident-free, good driver, good student, multi-policy, and claim-free.
  • State Farm has savings for good student, good driver, anti-theft, Drive Safe & Save, and accident-free.
  • Progressive offers premium reductions for homeowner, online quote discount, online signing, good student, continuous coverage, and multi-policy.
  • Mercury Insurance has discounts for multi-policy, good student, good driver, type of vehicle, anti-theft, and annual mileage.
  • 21st Century discounts include anti-lock brakes, early bird, good student, defensive driver, air bags, student driver, and 55 and older.
  • Allstate offers discounts including good student, utility vehicle, new car, safe driver, passive restraint, and senior citizen.

If you want low cost auto insurance quotes, ask all the companies what discounts are available to you. Some credits might not be offered on policies in your area. For a list of insurers who offer cheap car insurance quotes, click here to view.

Situations that may require an agent’s advice

When choosing the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions can help discover if your situation may require specific advice.

  • What are the financial responsibility laws in my state?
  • Who is covered when they drive my 2018 Volkswagen Beetle Convertible?
  • Do I need medical payments coverage since I have good health insurance?
  • Will my rates increase for filing one claim?
  • How much liability do I need to cover my assets?
  • When would I need rental car insurance?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I buy only the required minimum liability coverage?
  • Is my teen driver covered when they drive my company car?
  • Is my teenager covered with friends in the car?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Smart consumers save every year

Many things are part of the equation when premium rates are determined. Some are obvious such as traffic violations, but some are more obscure such as whether you are married or how safe your car is.

The factors shown below are some of the most rate-impacting factors that factor into premiums.

  • Premiums are affected by your credit rating – Credit score can be an important factor in calculating your auto insurance rates. So if your credit rating can use some improvement, you could pay less to insure your 2018 Volkswagen Beetle Convertible if you improve your credit rating. Insureds that have excellent credit tend to be more responsible than those with lower ratings.
  • More traffic equals higher rates – Residing in a rural area can save you money when insuring your vehicles. Fewer people translates into fewer accident claims in addition to lower liability claims Urban drivers tend to have more auto accidents and more time behind the wheel. More time on the road statistically corresponds to a higher accident and claim rate.
  • Safer occupants lowers rates – Vehicles with high crash test scores tend to have lower insurance rates. Safer cars reduce injuries and fewer serious injuries means less claims paid which can result in lower premiums.
  • Male costs may be higher – Over time, data shows females are less aggressive when driving. It does not mean males are worse at driving than females. Men and women cause auto accidents in similar percentages, but guys have costlier accidents. Men also statistically have more aggressive citations like DWI (DUI) or reckless driving. Youthful male drivers are the most expensive to insure so they pay the highest premiums.
  • Liability risk factors in – The liability section of your policy will afford coverage if a jury decides you are liable for causing damage or personal injury in an accident. This coverage provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.
  • Is you job costing you more? – Did you know your auto insurance rates can be affected by your occupation? Occupational choices like military generalspolice officers and financial analysts generally have the highest rates attributed to intense work requirements and long work days. Conversely, occupations such as actors, historians and the unemployed receive lower rates for Beetle Convertible insurance.
  • Marriage can save on auto insurance – Your spouse may earn you lower rates when buying auto insurance. Having a spouse demonstrates that you tend to be more financially stable and it’s statistically proven that married couples file fewer claims.
  • Do you qualify for a multi-policy discount? – Many insurers allow discounts to policyholders that purchase more than one policy. It’s known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even with this discount applied, it’s still a good idea to compare rates to confirm you are receiving the best rates possible.

Smaller companies may have the best rates

Respected companies like 21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. They all make the same claim that people will save just by moving your policy. How does each company give you a lower rate? Just pay attention to how they say it.

Most companies look for specific characteristics for the driver that will add to their bottom line. One example of a desirable risk should be over the age of 35, has a low-risk occupation, and drives a vehicle with a low ISO rating. A driver who fits that profile will get low prices and will save when switching.

Potential customers who do not fit these standards will be charged more expensive rates which results in the customer buying from someone else. The ad wording is “drivers that switch” not “everybody who quotes” save that much when switching. This is how companies can make those statements.

Because of the profiling, drivers should get price quotes at each policy renewal. It’s not possible to predict which company will have the best rates at this point in time.

Specific coverages for a Volkswagen Beetle Convertible

Having a good grasp of insurance can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages available from insurance companies.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from flooding, hitting a bird, falling objects, a broken windshield and vandalism. 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.

Liability coverage – Liability insurance provides protection from injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like court costs, medical services, legal defense fees and structural damage. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Volkswagen Beetle Convertible.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as dental work, EMT expenses, X-ray expenses, prosthetic devices and hospital visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision coverage – Collision insurance covers damage to your Beetle Convertible from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, colliding with a tree, rolling your car, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Save your cold hard cash

When buying insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice liability coverage limits and learned later that the few dollars in savings costed them thousands. The goal is to get the best coverage possible at the best cost, not the least amount of coverage.

In this article, we presented some good ideas how you can reduce 2018 Volkswagen Beetle Convertible insurance car insurance rates online. The key thing to remember is the more you quote auto insurance, the higher your chance of finding inexpensive auto insurance. Consumers may even find the lowest car insurance rates come from a small mutual company. Smaller companies may have significantly lower premium rates on certain market segments compared to the large companies like Progressive or Geico.

Cheaper 2018 Volkswagen Beetle Convertible insurance is available both online as well as from independent agents, so get free auto insurance quotes from both of them in order to have the best price selection to choose from. Some insurance providers may not have online quoting and most of the time these small insurance companies prefer to sell through independent agents.

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