2016 Volkswagen Beetle Convertible Insurance Rates – 5 Ways to Save

Are you burned out from wondering where the money will come from to pay your car insurance bill each month? You have the same problem as millions of other vehicle owners. Multiple auto insurance companies compete for your business, so it can be very hard to choose a insurance company to find the best price available.

It’s a great practice to do price comparisons once or twice a year since insurance prices change quite often. Despite the fact that you may have had the lowest rates on Beetle Convertible insurance at your last renewal other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to learn how to use the internet to find better rates and still maintain coverage.

If you have a policy now or need a new policy, you will benefit by learning to get lower rates while maintaining coverages. Choosing the best insurance company for you is not rocket science. Drivers only need to know how to shop their coverage around online.

How to lower your auto insurance cost

Cutting your auto insurance rates is an easy way to save money. You just have to take the time getting comparison quotes to discover which company has inexpensive insurance coverage quotes. Insurance prices can be quoted in a couple of different ways.

  • If you’re in a hurry, the quickest way to find the lowest comparison rates is a comparison rater form click to view form in new window. This method prevents you from having to do boring form submissions for each company. Taking the time to complete one form gets you price quotes from multiple companies.
  • A slightly less efficient method to compare prices consists of going to each individual company website and complete a new quote form. For examples sake, let’s assume you want to compare prices for USAA, Safeco and Farmers. To do that, you would have to spend time going to each site individually and type in your information over and over, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.
  • Even if you have time, the least recommended method to find cheaper rates is calling or driving to each insurance agency near you. The ability to get quotes online eliminates the middleman unless you’re the type of person who wants the professional advice of a local agency. You can, however, comparison shop your insurance online but purchase the actual policy in an agency.

How you compare quotes is your choice, just compare nearly identical coverages and limits with every price quote. If you are comparing different liability limits it’s not possible to get a fair rate comparison.

Can switching companies really save?

Drivers get pounded daily by advertisements that claim the cheapest premium rates from companies such as GEICO, State Farm and Progressive. They all seem to try to convey promises about savings if you switch your insurance coverage coverage to their company.

How does each company sell you cheaper insurance coverage?

Many companies have specific characteristics for the type of driver they prefer to insure. One example of a driver they prefer might be described as over the age of 50, insures multiple vehicles, and drives a lower-performance vehicle. A propective insured who meets those qualifications gets the lowest prices and most likely will save a lot of money.

Potential customers who cannot meet the “perfect” profile will get more expensive rates with the end result being the customer buying from someone else. If you listen closely, the ads state “people that switch” not “everybody who quotes” save that much. That is how insurance companies can confidently state the savings.

Different companies use different criteria so you really should get as many free insurance coverage quotes as possible. Because without a comparison, you cannot know with any certainty which company will have the best premium rates.

These five discounts can reduce auto insurance rates

Insurance can be prohibitively expensive, but you can get discounts to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but a few must be inquired about prior to getting the savings.

  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase auto and life insurance together.
  • Discount for Good Grades – This discount could provide a savings of up to 20% or more. You can use this discount normally until age 25.
  • Home Ownership Discount – Owning a house may earn you a small savings since home ownership requires a higher level of personal finance.
  • Memberships – Having an affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums on your policy.
  • Federal Employees – Active or retired federal employment could qualify for a slight premium decrease on Beetle Convertible insurance with certain companies.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like you could get a free auto insurance policy, it doesn’t quite work that way.

The best auto insurance companies and some of the premium reductions they offer can be found below.

  • State Farm discounts include good driver, defensive driving training, multiple autos, multiple policy, student away at school, and Steer Clear safe driver discount.
  • Progressive may include discounts for online quote discount, multi-vehicle, homeowner, good student, multi-policy, and continuous coverage.
  • Travelers offers discounts including save driver, IntelliDrive, driver training, early quote, new car, and good student.
  • American Family policyholders can earn discounts including Steer into Savings, early bird, air bags, multi-vehicle, bundled insurance, and mySafetyValet.
  • Liberty Mutual offers discounts for safety features, exclusive group savings, preferred payment discount, new graduate, and new move discount.

Check with each insurance company what discounts are available to you. All car insurance discounts may not apply to policies in your area. To find companies with discount auto insurance rates, click here.

When do I need an agent’s advice?

When it comes to choosing coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique and your policy should reflect that. These are some specific questions could help you determine if your situation would benefit from professional advice.

  • Are rock chip repairs covered?
  • Does coverage extend to my business vehicle?
  • I have health insurance so do I need medical payments coverage?
  • Does my insurance cover a custom paint job?
  • Does my policy cover me when driving someone else’s vehicle?
  • Should I put collision coverage on all my vehicles?
  • Can I afford to pay high deductible claims out of pocket?
  • Can my babysitter drive my car?
  • Do I have coverage if my license is suspended?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.

Insurance policy specifics

Knowing the specifics of a insurance policy can help you determine which coverages you need for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. Shown next are the normal coverages found on most insurance policies.

Collision coverage – Collision coverage pays for damage to your Beetle Convertible caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as hitting a parking meter, colliding with a tree and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, hitting a deer, damage from flooding and rock chips in glass. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage – This gives you protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are set the same as your liablity limits.

Medical costs insurance – Med pay and PIP coverage pay for short-term medical expenses such as hospital visits, X-ray expenses, prosthetic devices, ambulance fees and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Liability car insurance – Liability insurance protects you from damage that occurs to other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like attorney fees, legal defense fees, funeral expenses, emergency aid and repair costs for stationary objects. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Take this to the bank

Low-cost 2016 Volkswagen Beetle Convertible insurance is attainable online in addition to many insurance agents, and you should compare rates from both to have the best rate selection. Some insurance providers may not provide price quotes online and these small, regional companies only sell coverage through independent insurance agencies.

You just read a lot of tips how to shop for 2016 Volkswagen Beetle Convertible insurance online. The key thing to remember is the more providers you compare, the better your chances of lowering your premium rates. You may even find the lowest car insurance rates are with a company that doesn’t do a lot of advertising. These companies often have lower premium rates on specific markets compared to the large companies like Progressive or GEICO.

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