2013 Volkswagen Beetle Insurance Cost

Trying to find the cheapest insurance rates for your Volkswagen Beetle? Tired of not being able to scrape enough together to buy insurance? You are no different than the majority of other consumers.

Because you have many options, it can be challenging to pick the right insurance company.

Insurance prices are influenced by these factors

The best way to find cheaper insurance is to take a look at the different types of things that help determine the level of your policy premiums. If you have a feel for what impacts premium levels, this allows you to make good choices that could help you find better insurance rates.

  • Get hitched and get cheaper prices – Getting married can get you a discount when buying insurance. Having a spouse usually means you are more mature and it’s statistically proven that married couples file fewer claims.
  • Teenagers are high risk – Young drivers are proven to be less responsible with other occupants in the car and because of this, their insurance rates are much higher. Having to add a beginning driver onto a policy can break the bank. Older, more experienced drivers are more cautious drivers, file fewer claims and get fewer tickets.
  • Liability insurance risk factors in – Your policy’s liability coverage is the protection in the event that you are ruled to be at fault for damages from an accident. This coverage provides legal defense coverage starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Prevent coverage lapses – Having a lapse in insurance coverage is a sure-fire way to trigger a rate increase. In addition to paying higher rates, getting caught without coverage can result in a revoked license or a big fine.
  • Better premiums with anti-theft devices – Buying a car with an alarm system can save you some money. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent your car from being stolen.
  • Your employer is a factor – Did you know your job can affect your rates? Occupations such as military personnelpolice officers and accountants tend to have the highest rates attributed to job stress and incredibly demanding work hours. On the flip side, jobs like professors, athletes and performers receive lower rates for Beetle insurance.
  • Bad credit will cost you – Credit score is a large factor in determining what you pay for insurance. Therefore, if your credit score is not that good, you may save money insuring your 2013 Volkswagen Beetle by improving your rating. Consumers who have very high credit ratings tend to be more responsible and file fewer claims than drivers with lower credit ratings.
  • Add-on coverages that aren’t used – Insurance companies have many optional add-on coverages that can add up if you don’t pay attention. Coverages for replacement cost coverage, towing, and Farm Bureau memberships are probably not needed. The coverages may be enticing initially, but now you might not need them so remove them from your policy.

How to get free insurance quotes online

There are a lot of ways to compare insurance prices but some are less time-consuming than others. You can spend countless hours driving to insurance companies in your area, or you can utilize the internet to accomplish the same thing much quicker.

All the larger companies participate in a marketplace that allows shoppers to complete one form, and each participating company then gives them pricing based on the submitted data. This eliminates the need for quote forms for each company.

To use this form to compare rates click to open in new window.

The single downside to using this type of system is that consumers can’t choose which carriers you want to price. So if you want to select individual companies to compare rates, we have a page of companies who write insurance in your area. Click here to view list.

How you compare quotes is your choice, just ensure you are comparing equivalent coverage limits for each comparison quote. If you are comparing mixed coverages it’s impossible to make a fair comparison for your Volkswagen Beetle. Just slight variations in insurance coverages may cause a big price difference. Keep in mind that quoting more will increase your chances of finding a lower rate. Some regional insurers cannot provide quotes online, so it’s important to compare price estimates from the smaller companies as well.

These discounts can cut insurance rates

Companies don’t always list the entire discount list in a way that’s easy to find, so the list below details both the well known and also the lesser-known credits available to lower your premiums when you buy auto insurance online.

  • Senior Citizens – If you’re over the age of 55, you may be able to get a discount up to 10% for Beetle insurance.
  • Low Mileage Discounts – Keeping the miles down on your Volkswagen may enable drivers to earn substantially lower prices.
  • Telematics Data – Insureds who allow their company to study driving habits through the use of a telematics system like Allstate’s Drivewise might get better premium rates if they have good driving habits.
  • Government Employee Discount – Active or former government employment could provide a small rate reduction for Beetle insurance depending on your company.
  • Student Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class if it’s offered in school.
  • Claim-Free Discount – Claim-free drivers can earn big discounts as opposed to drivers who are more careless.

As a footnote on discounts, most of the big mark downs will not be given to your bottom line cost. Most only reduce individual premiums such as comp or med pay. So even though they make it sound like you could get a free insurance policy, insurance companies wouldn’t stay in business.

Car insurance companies that may have these benefits possibly include:

Double check with all the companies how many discounts you can get. Some discounts listed above might not be offered in your state.

When do I need an agent’s advice?

When it comes to buying the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that might help in determining whether or not you might need professional guidance.

  • Do I pay less if my vehicle is kept in my garage?
  • Are split liability limits better than a combined single limit?
  • Will my insurance pay for OEM parts?
  • Should I buy more coverage than the required minimum liability coverage?
  • What discounts do I qualify for?
  • What if I owe more than I can insure my car for?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Car insurance policy coverages for a Volkswagen Beetle

Understanding the coverages of car insurance helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages available from car insurance companies.

Liability insurance

Liability insurance can cover damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as legal defense fees, medical services, structural damage, emergency aid and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like funeral costs, doctor visits, prosthetic devices and surgery. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Beetle.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive protection

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like vandalism, a broken windshield, hitting a bird and damage from getting keyed. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage protection

This pays for damage to your Beetle caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a mailbox, scraping a guard rail, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

You can do this!

Affordable 2013 Volkswagen Beetle insurance can be bought from both online companies in addition to local insurance agencies, and you need to price shop both to have the best selection. Some auto insurance companies don’t offer the ability to get a quote online and these smaller providers prefer to sell through local independent agencies.

Throughout this article, we presented some good ideas how you can get a better price on 2013 Volkswagen Beetle insurance. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Consumers may even find the most savings is with some of the smallest insurance companies. Smaller companies may have significantly lower rates on certain market segments than their larger competitors like State Farm and Allstate.

Much more information about auto insurance can be found on the following sites: