2014 Volkswagen Beetle Insurance Rates – 9 Discounts for Best Quotes

Searching for better insurance coverage rates for your Volkswagen Beetle? Purchasing cheaper insurance coverage can seem to be somewhat intimidating for consumers not familiar with buying insurance on the web. With a ridiculous number of insurance companies available, how are we expected to have time to compare each option to find better rates?

Finding affordable coverage is not rocket science. If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. But drivers do need to understand the way companies price insurance differently and take advantage of how the system works.

How much is auto insurance?

There are several ways to compare auto insurance prices but there is one way that is less time-consuming than others. You could spend the better part of a day talking to insurance companies in your area, or you could save time and use online quotes to maximize your effort.

Many popular insurance companies participate in a marketplace where insurance shoppers send in one quote, and each participating company then gives them pricing based on the submitted data. This prevents consumers from doing form submissions to each company. To find out what other companies charge click here to start a free quote.

The single downside to getting quotes like this is buyers cannot specifically choose the companies you want to price. So if you prefer to pick from a list of companies to compare, we have a listing of the cheapest auto insurance companies in your area. Click to view list.

However you get your quotes, ensure you are comparing identical quote data on every quote. If you have unequal deductibles or liability limits it’s not possible to determine which company has the best rates. Slightly different coverage limits could mean much higher rates. And when quoting auto insurance, remember that comparing all the rates in your area increases the change that you will find better pricing. Some regional insurers cannot provide online rate quotes, so you also need to get rates from them as well.

Find hidden discounts on auto insurance

Companies that sell car insurance don’t necessarily list every possible discount very clearly, so below is a list a few of the more common as well as the least known savings tricks you should be using when you buy insurance coverage online.

• Home Ownership Discount – Owning a home can earn you a little savings since owning and maintaining a home is proof that your finances are in order.
• Early Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
• Driver Education Discount – It’s a good idea to have your young drivers successfully complete driver’s ed class in high school.
• Paperwork-free – A handful of insurance companies may give you up to $50 simply for signing digitally online.
• Telematics Devices – Drivers who elect to allow their company to look at their driving habits by using a small device installed in their vehicle such as State Farm’s In-Drive might see lower rates if they exhibit good driving behavior.
• Air Bags and Passive Restraints – Cars that have air bags may earn rate discounts of 20 to 30 percent.
• Accident-Free Discounts – Drivers who stay claim-free are rewarded with significantly better rates on insurance coverage quote as opposed to insureds who have frequent claims or accidents.
• Anti-lock Brake Discount – Cars and trucks with ABS and/or traction control are much safer to drive and will save you 10% or more.
• Discount for Low Mileage – Low annual miles could earn cheaper prices.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most cut specific coverage prices like collision or personal injury protection. Even though it appears you could get a free auto insurance policy, company stockholders wouldn’t be very happy.

A few popular companies and their possible discounts are:

• State Farm offers premium reductions for student away at school, defensive driving training, safe vehicle, driver’s education, good driver, accident-free, and passive restraint.
• Farmers Insurance has savings for electronic funds transfer, teen driver, alternative fuel, early shopping, and pay in full.
• GEICO discounts include air bags, emergency military deployment, membership and employees, defensive driver, multi-policy, good student, and five-year accident-free.
• American Family has discounts for early bird, TimeAway discount, air bags, defensive driver, bundled insurance, and accident-free.
• Nationwide may include discounts for good student, family plan, Farm Bureau membership, easy pay, and accident-free.
• Progressive offers discounts for online signing, good student, homeowner, continuous coverage, multi-vehicle, online quote discount, and multi-policy.

If you need lower rates, check with each company or agent the best way to save money. Some credits might not apply in your area. To find providers with discount rates, follow this link.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that could help you determine whether or not you could use an agent’s help.

• Does insurance cover tools stolen from my truck?
• Why does it cost so much to insure a teen driver?
• Am I covered when driving in Canada or Mexico?
• Do I need motorclub coverage?
• I don’t drive much so do I pay less?
• How do I insure my teen driver?
• Does my liability insurance cover pulling a trailer or camper?
• Do I need roadside assistance coverage?
• Is extra glass coverage worth it?
• When would I need rental car insurance?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance 101

Having a good grasp of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as chiropractic care, surgery, X-ray expenses and funeral costs. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverages – This pays for damage to your Beetle from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as driving through your garage door, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Liability car insurance – Liability coverage protects you from damage that occurs to other people or property. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as emergency aid, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people 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.

Comprehensive coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, vandalism and fire damage. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.