Cheaper 2013 Volkswagen Beetle Convertible Insurance Quotes

No one likes buying car insurance, especially when they could get a better deal. Many car insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the best rates possible.

You should take the time to do price comparisons as often as possible since rates change quite often. Despite the fact that you may have had the lowest premium rates on Beetle Convertible coverage last year there is a good chance you can find better prices now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the quickest way to find better coverage at a better price.

Auto insurance discounts are available to slash your rates

Auto insurance is neither fun to buy or cheap, but you can get discounts that you may not know about. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be manually applied prior to receiving the credit.

  • Save with More Vehicles Insured – Buying coverage for multiple cars on one policy can reduce the rates for all insured vehicles.
  • Include Life Insurance and Save – Larger insurance companies have a lower price if you buy auto and life insurance together.
  • Telematics Devices – People who choose to allow driving data collection to spy on where and when they drive by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they are good drivers.
  • Early Switch Discount – A few auto insurance companies give discounts for switching companies prior to your current policy expiration. You can save around 10% with this discount.
  • Organization Discounts – Joining qualifying clubs or civic groups is a good way to get lower rates when shopping for auto insurance.

While discounts sound great, it’s important to understand that many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, insurance companies wouldn’t stay in business.

The best auto insurance companies and a partial list of their discounts include:

  • State Farm discounts include defensive driving training, good student, passive restraint, Steer Clear safe driver discount, Drive Safe & Save, multiple policy, and multiple autos.
  • American Family offers discounts including defensive driver, mySafetyValet, accident-free, good driver, and air bags.
  • GEICO offers premium reductions for good student, multi-vehicle, air bags, five-year accident-free, federal employee, and emergency military deployment.
  • 21st Century may have discounts that include good student, anti-lock brakes, student driver, teen driver, and automatic seat belts.
  • Progressive includes discounts for continuous coverage, multi-vehicle, multi-policy, online signing, good student, online quote discount, and homeowner.

Before buying, ask every company which discounts you may be entitled to. Some of the earlier mentioned discounts might not be offered in your area. To find auto insurance companies that offer some of these discounts, follow this link.

Compare insurance coverage quotes

Getting cheaper 2013 Volkswagen Beetle Convertible insurance coverage pricing is surprisingly easy. The only thing you need to do is take a few minutes getting comparison quotes to see which company has cheap car insurance quotes. Insurance prices can be quoted in just a few minutes using one of these methods.

  1. One of the fastest ways to get quotes for comparison is a comparison rater form click here to open form in new window. This quick form prevents you from having to do a different quote for each price estimate. One form submission gets you price quotes from multiple companies.
  2. A more time consuming way to find more affordable insurance requires a trip to each individual company website and get a separate price quote. For sake of this example, let’s say you are doing a rate comparison from USAA, Allstate and State Farm. You would need to visit each site and type in your information over and over, which explains why we recommend starting with the first method.

    For a list of companies in your area, click here.

However you get your quotes, make sure you are using the exact same quote information for each quote you get. If you have unequal deductibles or liability limits you will not be able to decipher which rate is best.

Six tips to get more affordable insurance premiums

Multiple criteria are considered when you get a price on insurance. Some are pretty understandable such as your driving record, but other criteria are not as apparent like your continuous coverage or your financial responsibility.

  • Annual mileage impacts costs – Driving more miles in a year’s time the more it will cost to insure it. Almost all companies rate vehicles partially by how you use the vehicle. Cars and trucks that sit idle most of the time receive better premium rates than cars that get driven a lot. A policy that improperly rates your Beetle Convertible is throwing money out the window. Make sure your vehicle rating reflects the correct driver usage.
  • Know your credit rating – A driver’s credit score will be a significant factor in calculating your car insurance rates. Insureds that have very good credit scores tend to be better risks to insure than drivers who have poor credit. If your credit history can use some improvement, you could potentially save money when insuring your 2013 Volkswagen Beetle Convertible if you improve your credit rating.
  • Your employer may affect premiums – Did you know your car insurance rates can be affected by your occupation? Occupations such as military generalsairline pilots and medical professionals have higher rates than the rest of us attributed to high stress levels and lots of time spent away from family. On the other hand, occupations such as professors, historians and homemakers generally pay rates lower than average on Beetle Convertible coverage.
  • Multiple policies with one company can save – Most larger insurers provide a discount to insureds who have multiple policies with them. It’s known as a multi-policy discount. The amount of the discounts can be ten or even up to twenty percent in some cases. Even if you qualify for this discount already, it’s in your best interest to comparison shop to help guarantee you have the best rates. You may still save even more even if you have your coverage with different companies
  • Where you live is a factor – Being located in smaller towns and rural areas of the country can save you money when buying car insurance. Less people means fewer accidents and also fewer theft and vandalism claims. Residents of big cities regularly have more aggressive driving styles and much longer commute distances. More time commuting means more chances of being involved in an auto accident.
  • Premiums increase with driving tickets – Drivers who don’t get tickets pay lower auto insurance prices compared to bad drivers. Getting just one speeding ticket can boost insurance rates substantially. People who have careless tickets such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to submit a SR-22 form with their state’s licensing department in order to legally drive a vehicle.

Everyone needs different insurance coverage coverages

When it comes to buying proper insurance coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that can aid in determining whether you would benefit from an agent’s advice.

  • How do I insure my teen driver?
  • What can I do if my company won’t pay a claim?
  • Is my state a no-fault state?
  • Does my policy pay for OEM or aftermarket parts?
  • What discounts do I qualify for?
  • Does insurance cover tools stolen from my truck?
  • Does insurance cover damages from a DUI accident?
  • Will I lose any money if I cancel my policy before it expires?
  • How much underlying liability do I need for an umbrella policy?
  • What is roadside assistance coverage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

What auto insurance coverages do you need?

Having a good grasp of your auto insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most auto insurance policies.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as fire damage, theft, falling objects and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2013 Volkswagen Beetle Convertible.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like chiropractic care, X-ray expenses and nursing services. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Liability car insurance – Liability insurance protects you from damage that occurs to other people or property that is your fault. This insurance protects YOU against other people’s claims. Liability 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. You might see limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as repair costs for stationary objects, bail bonds, loss of income, legal defense fees and medical expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision – This coverage will pay to fix damage to your Beetle Convertible caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like backing into a parked car, sideswiping another vehicle, hitting a parking meter and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

The bottom line

We’ve covered quite a bit of information on how to compare 2013 Volkswagen Beetle Convertible insurance prices online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even find the best prices are with a small local company. They can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.

When you buy car insurance online, it’s not a good idea to buy less coverage just to save a little money. In many cases, an insured dropped liability coverage limits only to regret they didn’t have enough coverage. Your objective should be to buy a smart amount of coverage at the lowest possible cost and still be able to protect your assets.

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