2016 Volkswagen Beetle Insurance Quotes

Want cheaper auto insurance rates for your Volkswagen Beetle? Trying to find cheaper insurance for a Volkswagen Beetle can turn out to be an all-consuming task, but you can use our auto insurance buying tips and make it easy.

There is a better way to compare auto insurance rates and you need to know the best way to quote coverages for your Volkswagen and get the best price possible from local insurance agents and online providers.

It’s a good idea to shop coverage around occasionally since rates change frequently. Even if you got the best rate on Beetle insurance two years ago you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the best methods to lower your rates without sacrificing coverage.

Where can I get the cheapest auto insurance?

Finding a better price on auto insurance is not a difficult process. All that’s required is to invest a little time comparing rate quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This method saves time by eliminating separate quotation requests for each company. One quote request will return quotes from several companies.It’s the quickest way to get rates.
  2. A less efficient way to get quotes online is spending the time to visit each company’s website and go through the quote process again. For instance, let’s assume you want rates from Progressive, Allstate and GMAC. In order to compare rates, you need to go to every website and enter your information, which can take a lot of time. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but do your best to enter the same quote information for each comparison quote. If the quotes have mixed coverages then you won’t be able to determine the lowest rate for your Volkswagen Beetle.

Discounts to earn affordable auto insurance rates

Auto insurance can be pricey, but you may be missing some discounts that could drop your premiums quite a bit. Some discounts apply automatically when you complete an application, but some discounts are required to be asked about before being credited.

  • Student Driver Training – Cut your cost by having your teen driver sucessfully take a drivers education course in school.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on Beetle insurance depending on your auto insurance provider.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to use a seat belt may be able to save a few bucks off the personal injury premium cost.
  • Good Grades Discount – Maintaining excellent grades can earn a discount of 20% or more. This discount can apply until age 25.
  • Membership in Organizations – Being a member of certain professional organizations can get you a small discount on your policy.
  • Homeowners Savings – Just owning your own home may trigger a policy discount on auto insurance because maintaining a house requires personal responsibility.
  • Theft Deterent Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Switch and Save Discount – A few companies give discounts for switching to them early. You can save around 10% with this discount.
  • Multiple Cars – Insuring multiple cars with one company can get a discount on all vehicles.
  • Defensive Driver – Participating in a defensive driver course could cut 5% off your bill depending on where you live.

Discounts lower rates, but some of the credits will not apply to the entire policy premium. Most only cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way.

If you would like to see a list of companies with discount rates, follow this link.

Tailor your insurance coverage coverage to you

When choosing coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

For example, these questions might point out if your insurance needs would benefit from professional advice.

  • Am I covered when driving in Canada or Mexico?
  • How many claims can I have before being cancelled?
  • Does coverage extend to my business vehicle?
  • Are rental cars covered under my policy?
  • Are my friends covered when driving my car?
  • I have health insurance so do I need medical payments coverage?
  • Does my 2016 Volkswagen Beetle qualify for pleasure use?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Car insurance 101

Having a good grasp of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverage – This coverage covers damage to your Beetle resulting from colliding 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 coverage pays for claims like hitting a mailbox, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive auto coverage – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, falling objects, damage from a tornado or hurricane, theft and hail damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability car insurance – Liability coverage can cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things like legal defense fees, funeral expenses, court costs, medical services and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Volkswagen Beetle.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are set the same as your liablity limits.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for expenses like rehabilitation expenses, surgery, X-ray expenses, hospital visits and doctor visits. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Feed the piggy bank

More affordable insurance coverage is attainable from both online companies and also from your neighborhood agents, so you need to quote insurance with both in order to have the best chance of saving money. Some companies may not provide the ability to get a quote online and these smaller companies sell through independent agents.

Drivers change insurance companies for a number of reasons such as high rates after DUI convictions, being labeled a high risk driver, delays in responding to claim requests or poor customer service. It doesn’t matter what your reason, finding a new company can be pretty painless.

When getting insurance quotes online, never reduce coverage to reduce premium. There have been many situations where drivers have reduced full coverage only to find out that their decision to reduce coverage ended up costing them more. Your objective should be to purchase plenty of coverage at the best price.

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