How Much Does 2017 Volkswagen Beetle Convertible Insurance Cost?

Searching for better auto insurance rates for your Volkswagen Beetle Convertible? High-priced Volkswagen Beetle Convertible insurance can dry up your accounts and put the squeeze on your family’s finances. Comparing rate quotes is an excellent way to make ends meet.

You have multiple car insurance companies to choose from, and though it is a good thing to be able to choose, so many choices can make it hard to find the best rates.

Smart consumers take time to do price comparisons every six months because insurance prices are variable and change quite frequently. Just because you found the best price for Beetle Convertible insurance on your last policy other companies may now be cheaper. There are lots of tips to save on auto insurance on the internet, but in this article, you’re going to get some tested techniques to slash your auto insurance rates.

The purpose of this post is to tell you the most effective way to quote insurance. If you are paying for car insurance now, you will be able to lower your premiums substantially using these techniques. Consumers just need to understand the best way to compare rates online.

Finding insurance coverage

There are multiple methods to compare insurance coverage prices but some are less labor-intensive and much quicker. You can spend countless hours talking to insurance companies in your area, or you can stay home and use the internet to achieve your goal.

Most car insurance companies participate in a marketplace where insurance shoppers enter their policy data once, and each participating company can give them a price based on the submitted data. This saves time by eliminating quotation requests for each company.

To compare rates using this form now click here to start a free quote.

One minor caviat to using this type of form is that you can’t choose which carriers you want pricing from. If you wish to select specific providers for rate comparison, we put together a list of insurance coverage companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just be sure you’re using exactly the same coverage information for every company. If you enter different data you can’t possibly make a fair comparison for your Volkswagen Beetle Convertible.

Get cheap auto insurance with these tips

One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that help determine the price you pay for auto insurance. If you know what controls the rates you pay, this empowers consumers to make smart changes that can earn you lower auto insurance prices. Many factors are part of the calculation when quoting car insurance. Most are fairly basic like a motor vehicle report, but some are more obscure such as your marital status and annual miles driven.

The list below includes a partial list of the pieces that factor into premiums.

  • Males are more aggressive – Over the last 30 years, statistics show that females take fewer risks when driving. It does not mean men are worse drivers. They both have fender benders in similar percentages, but the men tend to have more serious accidents. Not only that, but men also receive more major tickets such as DWI and reckless driving.
  • Alarm systems systems cut rates – Driving a car with advanced anti-theft systems can help lower your premiums. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent vehicle theft.
  • Teenagers vs. older drivers – Young drivers are proven to be careless and easily distracted behind the wheel so they pay higher auto insurance rates. Adding a teenage driver onto a policy can increase premiums substantially. Mature drivers are more responsible, file fewer claims and receive fewer citations.
  • Safer vehicles cost less to insure – Vehicles with good safety scores tend to have better insurance rates. These vehicles result in less severe injuries and fewer injuries means lower claim amounts and thus lower rates.

Auto insurance quotes and discounts

Properly insuring your vehicles can get expensive, but you might already qualify for some discounts that could help you make your next renewal payment. Some trigger automatically when you get a quote, but lesser-known reductions have to be inquired about before you get the savings. If you do not double check each discount you qualify for, you could be getting lower rates.

  • Home Ownership Discount – Just being a homeowner can help you save on auto insurance because of the fact that having a home shows financial diligence.
  • Cautious Drivers – Insureds who avoid accidents may save up to 50% more for Beetle Convertible insurance as compared to drivers with claims.
  • Discounts for New Vehicles – Buying a new car model can save you some money because new vehicles are generally safer.
  • No Claim Discounts – Insureds with no claims or accidents have much lower rates as opposed to drivers with a long claim history.
  • Defensive Driver Discount – Taking a course in driver safety can save you 5% or more if your company offers it.
  • Passenger Safety Discount – Cars that have air bags and/or automatic seat belt systems can get savings of 20 to 30 percent.
  • Good Student Discount – A discount for being a good student could provide a savings of up to 20% or more. Earning this discount can benefit you up until you turn 25.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • E-sign Discounts – Some auto insurance companies provide a small discount for buying your policy on your computer.

Policy discounts save money, but some of the credits will not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, it doesn’t quite work that way.

Large auto insurance companies and some of the premium reductions they offer are:

  • Progressive has savings for homeowner, online quote discount, online signing, multi-vehicle, continuous coverage, and multi-policy.
  • The Hartford may have discounts that include driver training, anti-theft, bundle, vehicle fuel type, defensive driver, good student, and air bag.
  • Mercury Insurance has discounts for multi-car, multi-policy, annual mileage, accident-free, age of vehicle, and ease of repair.
  • GEICO offers discounts including emergency military deployment, federal employee, anti-theft, five-year accident-free, defensive driver, military active duty, and membership and employees.
  • AAA offers premium reductions for education and occupation, good driver, multi-car, AAA membership discount, and good student.
  • State Farm may include discounts for passive restraint, defensive driving training, multiple policy, safe vehicle, multiple autos, Drive Safe & Save, and student away at school.

Before you buy a policy, ask every company which discounts you qualify for. All car insurance discounts might not apply everywhere. If you would like to choose from a list of insurers who offer cheap auto insurance quotes, click this link.

Situations that may require an agent’s advice

When it comes to choosing proper insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether or not you would benefit from an agent’s advice.

  • Am I covered if I break a side mirror?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can my babysitter drive my car?
  • Am I covered if I drive in a foreign country?
  • What is medical payments coverage?
  • Can I afford low physical damage deductibles?
  • How much underlying liability do I need for an umbrella policy?
  • Is my Volkswagen Beetle Convertible covered if I use it for business?

If you can’t answer these questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage options for a 2017 Volkswagen Beetle Convertible

Understanding the coverages of a insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types found on most insurance policies.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills such as pain medications, prosthetic devices, dental work, hospital visits and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, fire damage and damage from flooding. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision insurance

This coverage pays for damage to your Beetle Convertible caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, sideswiping another vehicle, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Liability car insurance

Liability coverage can cover damages or injuries you inflict on a person or their property in an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things such as attorney fees, funeral expenses, repair bills for other people’s vehicles, repair costs for stationary objects and medical services. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Make an honest buck

As you restructure your insurance plan, it’s not a good idea to reduce needed coverages to save money. There have been many situations where an insured dropped full coverage and learned later they didn’t have enough coverage. Your focus should be to buy the best coverage you can find at an affordable rate, but do not sacrifice coverage to save money.

We just showed you many ideas to shop for 2017 Volkswagen Beetle Convertible insurance online. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the lowest prices are with the smaller companies. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.

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