Cheap 2015 Volkswagen Beetle Insurance Cost

Searching for better insurance prices for a new or used Volkswagen Beetle could be a painful process, but you can use a few tricks to find lower rates.

There is a better way to compare insurance rates so we’re going to tell you the absolute fastest way to get price quotes for a new or used Volkswagen and locate the lowest price from local insurance agents and online providers.

Consumers need to get comparison quotes as often as possible because insurance prices are constantly changing. Even if you got the lowest rates on Beetle coverage last year you may be paying too much now. Forget all the misinformation about insurance because you’re about to learn one of the quickest ways to properly buy coverages while reducing your premium.

First Step: Get free auto insurance quotes

Effectively comparing auto insurance prices can be a daunting task if you don’t know the best way to get rate quotes. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you can utilize the internet to get pricing more quickly.

Most car insurance companies participate in a marketplace that enables customers to send in one quote, and at least one company returns a competitive quote based on the submitted data. This system prevents you from having to do form submissions to each company.

To get comparison pricing now click here to open in new window.

The only drawback to pricing coverage this way is you don’t know exactly which insurance companies you will receive quotes from. So if you prefer to choose specific providers to request quotes from, we have a listing of companies who write auto insurance in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but make sure you use the exact same coverage limits for every company. If you enter different values for each quote it will be very difficult to get a fair rate comparison.

But they said I’d save $486 a year!

Drivers constantly see and hear ads for cheaper insurance coverage from the likes of State Farm, Allstate and GEICO. All the companies have a common claim that drivers can save some big amount after switching to them.

How is it possible that every company can cost less than your current company? Here is how they do it.

Insurance companies require specific criteria for the type of driver that is profitable for them. For example, a profitable risk profile might have to be a married male, carries full coverage, and drives a vehicle with a low ISO rating. Someone that hits that “sweet spot” will get a cheap rate quote and therefore will pay quite a bit less when switching companies.

Potential insureds who fall outside the ideal profile will get higher premiums which translates to the customer not purchasing. Company advertisements say “customers who switch” not “everybody who quotes” save that much when switching. That is how companies can lure you into getting a quote.

This emphasizes why drivers should get a wide range of price quotes. It is impossible to guess the company that will be your best fit.

Auto insurance companies offer lots of discounts

Insuring your fleet can be pricey, but there could be available discounts to help offset the cost. Some trigger automatically when you purchase, but some may not be applied and must be requested specifically before you get the savings.

  • More Vehicles More Savings – Buying coverage for multiple vehicles with one company may reduce the rate for each vehicle.
  • Senior Citizen Rates – If you qualify as a senior citizen, you are able to get better auto insurance rates on Beetle coverage.
  • Professional Memberships – Being a member of a qualifying organization can get you a small discount on auto insurance.
  • Defensive Driving Course – Passing a class that teaches defensive driving techniques is a good idea and can lower rates if your company offers it.
  • Paperless Signup – A handful of larger companies will provide an incentive for buying your policy on your computer.
  • Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.
  • Drive Less and Save – Fewer annual miles on your Volkswagen could earn discounted auto insurancerates on garaged vehicles.

Discounts save money, but please remember that some credits don’t apply to the entire cost. Most cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Some of the insurance companies that may include most of these discounts are:

When comparing rates, check with each insurance company what discounts are available to you. Some credits may not apply in your area. To see companies who offer online auto insurance quotes, click here to view.

Do I just need basic coverages?

When choosing the best insurance coverage coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining if your situation might need an agent’s assistance.

  • Do I need added coverage for expensive stereo equipment?
  • Do I need medical payments coverage since I have good health insurance?
  • Should I have combined single limit or split liability limits?
  • Are my tools covered if they get stolen from my vehicle?
  • What is the ISO rating for a 2015 Volkswagen Beetle?
  • Does my 2015 Volkswagen Beetle need full coverage?
  • When does my teenage driver need to be added to my policy?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Insurance specifics

Having a good grasp of insurance helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverage

Collision insurance covers damage to your Beetle resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sustaining damage from a pot hole, backing into a parked car, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as falling objects, theft, damage from flooding, hail damage and a broken windshield. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Volkswagen Beetle.

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 very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto liability

Liability insurance can cover damages or injuries you inflict on other’s property or people. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things like medical services, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for expenses for things like nursing services, hospital visits, pain medications, surgery and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Spend less. Save more.

As you quote insurance, it’s very important that you do not buy poor coverage just to save money. There are too many instances where an insured cut liability limits or collision coverage only to find out they didn’t have enough coverage. The proper strategy is to buy enough coverage at the best price, not the least amount of coverage.

Drivers who switch companies do it for any number of reasons including high prices, delays in paying claims, policy cancellation and unfair underwriting practices. Regardless of your reason for switching companies, finding a great new company can be pretty painless.

Budget-conscious 2015 Volkswagen Beetle insurance can be purchased on the web and also from your neighborhood agents, and you need to comparison shop both to have the best selection. Some insurance companies may not have rates over the internet and most of the time these smaller providers work with independent agencies.

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