2014 Volkswagen Beetle Convertible Insurance Quotes

Trying to find better auto insurance rates for your Volkswagen Beetle Convertible? Purchasing lower-cost auto insurance on the web might seem intimidating for consumers that are relatively new to comparing rates on the web. With such a large number of online companies available, how can drivers have time to compare them all to find cheaper auto insurance rates?

Choosing the best insurance company for you is not rocket science. Essentially everyone who shops for insurance should be able to find lower rates. But car owners must know the way insurance companies market insurance on the web and take advantage of how the system works.

Informed decisions result in lower insurance rates

A large part of saving on insurance coverage is knowing the rating factors that aid in calculating your premiums. When you understand what determines premiums, this helps enable you to make changes that may reward you with better insurance coverage rates. Many factors are used when premium rates are determined. Some factors are common sense such as traffic violations, but some are less obvious such as your credit history or your commute time.

The itemized list below are some of the most rate-impacting factors that factor into your rates.

  • Multi-policy discounts can save money – Most major companies will award better rates for people who buy several policies from them, otherwise known as a multi-policy discount. The discount can be five, ten or even twenty percent. Even if you’re getting this discount drivers will still want to compare other company rates to help guarantee you have the best rates. You may still be able to find better rates by insuring with multiple companies.
  • Improve your credit rating and save – A driver’s credit history factor in determining premium rates. People with very high credit ratings tend to file fewer claims and have better driving records than drivers who have worse credit. If your credit score could use some work, you could save money insuring your 2014 Volkswagen Beetle Convertible if you improve your credit rating.
  • Commute or pleasure use – Driving a lot of miles in a year’s time the higher your rates will be. Most companies charge to insure your cars based on their usage. Cars that sit idle most of the time get more affordable rates than vehicles that have high annual mileage. Incorrect rating for your Beetle Convertible may be wasting your money. It’s always a good idea to double check that your vehicle rating correctly shows the correct usage.
  • Alarm systems lowers prices – Owning a car with advanced anti-theft systems can help lower your premiums. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent vehicle theft.

Affordable insurance

Most larger insurance companies like GEICO, State Farm and Progressive allow you to get coverage prices on their websites. Getting online quotes is very simple as you simply type in your coverage information into the quote form. Once you submit the form, their rating system automatically retrieves your credit score and driving record and returns a price quote.

Online quotes streamlines rate comparisons, but the time it takes to visit different websites and type in your information can get tiresome after awhile. But it’s very important to get many rate quotes if you want to find a better rate.

There is an easier way to compare rates

A better way to compare rates makes use of a single form that gets price quotes from a lot of companies. The form is fast, eliminates form submissions, and makes price shopping online much easier to do. After sending the form, your coverage is rated with multiple companies and you can pick your choice of the quotes that you receive. If you find a better price you can click and sign and purchase the new policy. The whole process can be completed in a matter of minutes and can result in significant savings.

In order to fill out one form to compare multiple rates now, click here and enter your information. If you have a policy now, it’s recommended you complete the form with the limits and deductibles as shown on your current policy. This ensures you will have comparison quotes based on identical coverages.

Don’t be fooled by advertising claims

Respected companies like GEICO, State Farm and Progressive constantly bombard you with television, radio, and online ads. They all seem to state the claim about saving some big amount if you get a free insurance coverage quote and switch your coverage to them. How is it plausible that every one can give you a lower rate?

All the different companies have a certain “appetite” for a prospective insured that earns them the highest profit. A good example of a driver they prefer may be between 30 and 50, carries high limits, and drives less than 7,500 miles a year. Someone that meets those criteria will get low car insurance rates and will also save a lot of money.

Consumers who are not a match for the “perfect” profile will be quoted a higher premium and the customer not purchasing. If you listen closely, the ads state “people that switch” not “everyone that quotes” can get the lowest rates when switching. That’s why insurance companies can claim big savings. This illustrates why you need to get insurance coverage quotes as often as possible. It is impossible to predict with any certainty which company will provide the lowest prices.

Verify you’re earning every discount

Companies offering auto insurance don’t always list all available discounts in a way that’s easy to find, so the list below details some of the best known as well as some of the hidden discounts that you may qualify for.

  • Cautious Driver Discounts – Safe drivers can get discounts for up to 45% lower rates on Beetle Convertible coverage than drivers with accident claims.
  • Bundle and Save – If you can bundle your auto and home insurance and insure them with the same company you could get a discount of 10% to 20% off each policy.
  • Good Student – Excelling in school may save as much as 25% on a insurance coverage quote. Many companies even apply the discount to college students until age 25.
  • Data Collection Discounts – Insureds who allow driving data collection to monitor where and when they drive by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks as long as the data is positive.
  • Distant College Student Discount – who attend college more than 100 miles from home and don’t have a car could get you a discount.
  • Auto/Life Discount – Car insurance companies who offer life insurance give a discounted price on car insurance if you buy auto and life insurance together.

You can save money using discounts, but some credits don’t apply to the overall cost of the policy. Most cut specific coverage prices like medical payments or collision. So even though you would think all those discounts means the company will pay you, that’s just not realistic. But all discounts should definitely cut your car insurance premiums.

A few popular companies and their possible discounts are included below.

  • GEICO has discounts for seat belt use, anti-theft, federal employee, military active duty, air bags, and emergency military deployment.
  • MetLife offers premium reductions for defensive driver, accident-free, good student, claim-free, multi-policy, and good driver.
  • State Farm discounts include driver’s education, good student, good driver, Steer Clear safe driver discount, Drive Safe & Save, and anti-theft.
  • Progressive may offer discounts for online quote discount, multi-vehicle, online signing, good student, multi-policy, homeowner, and continuous coverage.
  • Mercury Insurance may include discounts for type of vehicle, multi-policy, multi-car, anti-theft, and professional/association.
  • 21st Century may have discounts that include homeowners, good student, early bird, teen driver, 55 and older, defensive driver, and automatic seat belts.
  • Allstate offers discounts including early signing, auto/life discount, economy car, multi-policy, and 55 and retired.

When getting free insurance coverage quotes, it’s a good idea to each company or agent which discounts you may be entitled to. Some discounts may not be offered in your area. If you would like to choose from a list of car insurance companies with significant discounts, click here.

When should I discuss my situation with an agent?

When buying coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique.

For example, these questions can help discover whether or not you might need an agent’s assistance.

  • Am I covered if I drive in a foreign country?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my policy cover me when driving someone else’s vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I benefit by insuring my home with the same company?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does coverage extend to Mexico or Canada?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form.

Educate yourself about insurance coverages

Knowing the specifics of insurance helps when choosing appropriate coverage for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills for dental work, doctor visits, chiropractic care, surgery and ambulance fees. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as theft, vandalism and hitting a bird. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

This pays for damage to your Beetle Convertible caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, hitting a mailbox, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Volkswagen Beetle Convertible.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Auto liability insurance

Liability insurance provides protection from damage that occurs to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like pain and suffering, repair costs for stationary objects, bail bonds, medical services and legal defense fees. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Shop Smart and Save

Cheap 2014 Volkswagen Beetle Convertible insurance is available both online as well as from independent agents, and you need to price shop both to have the best rate selection. Some insurance companies do not provide price quotes online and usually these regional insurance providers provide coverage only through independent agents.

As you go through the steps to switch your coverage, it’s not a good idea to reduce needed coverages to save money. In many instances, an accident victim reduced comprehensive coverage or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to find the BEST coverage at the best cost, but don’t skip important coverages to save money.

People change insurance companies for a variety of reasons including delays in responding to claim requests, an unsatisfactory settlement offer, lack of trust in their agent or even extreme rates for teen drivers. Whatever your reason, finding a new insurance company is actually quite simple.

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