Compare 2012 Volkswagen Beetle Insurance Rates

Looking for cheaper auto insurance rates for your Volkswagen Beetle? Nobody I know likes paying for auto insurance, especially when they are aware that they could find better prices if they shop around.

Many insurance companies vie to insure your vehicles, and because of this it can be hard to compare insurance companies and get the definite best price available.

If you have car insurance now, you stand a good chance to be able to save some money using this information. Choosing the best insurance company for you is quite easy. But consumers need to have an understanding of how big insurance companies price insurance differently and take advantage of how the system works.

Which insurance is cheapest?

Comparing insurance rates is a ton of work if you don’t know the most efficient way. You can waste a few hours (or days) driving to local insurance agents in your area, or you can utilize online quoting to get pricing more quickly.

Most of the best insurance companies enroll in a system that enables customers to enter their coverage request one time, and every company returns a rated price for coverage. This prevents consumers from doing quote requests to every company.

To compare rates now click here to open in new window.

The only drawback to getting quotes like this is buyers cannot specifically choose the providers to get pricing from. If you wish to select specific providers to compare rates, we have a listing of companies who write insurance in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but ensure you are comparing identical quote information for every company. If you use differing limits it’s not possible to get a fair rate comparison. Quoting even small variations in insurance coverages or limits may result in large price differences. And when quoting insurance, remember that quoting more helps you find a lower rate than you’re paying now. Some smaller insurers to not give prices over the internet, so you should also compare price quotes from the smaller companies as well.

Insurance coverage discounts are available to cut your rates

The price of auto insurance can be rather high, but you might find some hidden discounts that can drop the cost substantially. Some trigger automatically when you purchase, but less common discounts must be asked about before you will receive the discount. If you’re not getting every credit available, you are paying more than you should be.

Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control are safer to drive and therefore earn up to a 10% discount.
Discount for Low Mileage – Fewer annual miles on your Volkswagen can earn cheaper rates.
Auto/Life Discount – Select companies reward you with a discount if you purchase a life insurance policy as well.
Waiver for an Accident – This one isn’t a discount, but some insurance companies allow you one accident before your rates go up so long as you are claim-free for a certain period of time.
Active Military Service – Having a family member in the military could be rewarded with lower insurance coverage rates.

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Despite the appearance that you could get a free insurance coverage policy, you won’t be that lucky.

Popular insurance coverage companies and some of their more popular discounts are detailed below.

GEICO includes discounts for multi-vehicle, anti-lock brakes, five-year accident-free, seat belt use, anti-theft, and good student.
MetLife offers discounts including multi-policy, good driver, good student, claim-free, and accident-free.
Progressive policyholders can earn discounts including homeowner, continuous coverage, online quote discount, multi-vehicle, online signing, good student, and multi-policy.
Travelers offers premium reductions for multi-car, driver training, IntelliDrive, good student, payment discounts, continuous insurance, and save driver.
SAFECO may offer discounts for drive less, teen safety rewards, safe driver, teen safe driver, and anti-theft.
AAA has discounts for good student, AAA membership discount, multi-car, education and occupation, anti-theft, multi-policy, and good driver.

Before buying, ask every prospective company to give you their best rates. Some discounts listed above may not apply to policies everywhere. To see a list of insurance companies who offer insurance coverage discounts, click this link.

Everyone needs different car insurance coverages

When choosing the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different so this has to be addressed. For example, these questions might point out if your situation would benefit from professional advice.

Does my policy pay for OEM or aftermarket parts?
Am I covered if hit by an uninsured driver?
Are rental cars covered under my policy?
When would I need rental car insurance?
Can my teen drive my company car?
Can I get a multi-policy discount?
Do I need to file an SR-22 for a DUI in my state?
Is my ex-spouse still covered by my policy?
Should I buy only the required minimum liability coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Insurance coverage considerations

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are the normal coverages offered by insurance companies.

Auto liability

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

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like legal defense fees, loss of income, court costs and pain and suffering. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

UM/UIM Coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that 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 is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like surgery, ambulance fees and pain medications. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as rock chips in glass, falling objects, damage from a tornado or hurricane and hail damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

This coverage covers damage to your Beetle resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like backing into a parked car, hitting a mailbox, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.