Compare 2017 Volkswagen Beetle Insurance Quotes

Searching for lower insurance rates for your Volkswagen Beetle? Overwhelmed by the crazy number of insurance providers in your area? Many other people are as well. Drivers have such a vast assortment of providers available that it is a big hassle to find a cheaper company.

Consumers need to get comparison quotes periodically due to the fact that insurance prices change frequently. Even if you got the best rates on Beetle insurance at your last renewal the chances are good that you can find a lower rate quote today. Block out anything you think you know about insurance because you’re going to learn how to quote online to remove unneeded coverages and save money.

If you currently have car insurance, you will be able to cut costs considerably using this information. Shopping for the best protection is easy if you know what you’re doing. Although consumers must learn how companies compete online because it can help you find the best coverage.

Compare free insurance price quotes

All the larger insurance companies make it easy to get coverage price quotes from their websites. Comparing prices online is pretty easy as you just type in the coverages you want into a form. Once entered, their system automatically retrieves credit information and your driving record and generates a price based on these and other factors.

Being able to quote online helps simplify price comparisons, but the time required to go to different websites and type in the same information is monotonous and tiresome. But it’s necessary to get many rate quotes if you want to find better prices.

Keep reading for an easier way to compare prices

A more efficient way to compare rates uses just one form that gets prices from many companies. The form is fast, eliminates repetitive work, and makes price shopping online much simpler. After your information is entered, it is quoted with multiple companies and you can pick any or none of the returned quotes.

If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. The whole process takes just a few minutes to complete and could lower your rates considerably.

To save time and get comparison pricing now, click here to open in a new tab and begin entering your coverage information. To compare your current rates, we recommend you type in your coverages just like they are on your policy. This ensures you will get a fair comparison based on the exact same insurance coverage.

Can you really save $397 a year?

Popular insurance providers such as 21st Century, Allstate and State Farm regularly use ads on TV and radio. They all convey the message that drivers can save some big amount if you change to their company. But how can every company charge less that you’re paying now? It’s all in the words they use.

All companies have underwriting criteria for the type of insured that will be a good risk. One example of a profitable insured could be a mature driver, owns their home, and drives newer vehicles. A driver that meets those criteria will get the preferred rates and will probably save money with a new company.

Insureds who do not fit the requirements will be quoted more expensive rates which translates to business not being written. The ads state “drivers who switch” not “all people who quote” save that much. That is how insurance companies can make claims that they all have the best rates.

This really emphasizes why drivers must compare as many free auto insurance quotes as you can. It’s impossible to know the company that will have the lowest prices for your situation.

Good decisions result in lower insurance premiums

Multiple criteria are used when you get a price on insurance. Most are fairly basic such as your driving history, although some other factors are not as apparent such as whether you are married or your vehicle rating.

The following are some of the factors that factor into rates.

  • Cheaper to insure women? – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. Now that doesn’t mean males are worse at driving than females. Both genders tend to get into fender benders in similar percentages, but the male of the species have costlier accidents. Men also statistically get more serious tickets such as reckless driving.
  • Your address can push rates up or down – Living in small towns and rural areas may provide you with better prices when talking about car insurance. People who live in big cities have to deal with more traffic problems and much longer commute distances. Fewer drivers translates into fewer accident claims and also fewer theft and vandalism claims.
  • What’s your car’s IIHS safety rating? – Cars with five star safety ratings tend to have lower insurance rates. Safer cars have better occupant injury protection and reduced instances of injuries translates directly to fewer claims which can result in lower premiums. If your Volkswagen earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Don’t skimp on liability coverage – Your policy’s liability coverage provides coverage in the event that you are found to be at fault for physical damage or personal injury to other. Liability provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.

Get lower rates by applying discounts

Companies don’t necessarily list the complete list of policy discounts in an easy-to-find place, so the following is a list of some of the more common as well as some of the hidden discounts that you may qualify for.

  • Multi-Vehicle Discounts – Having multiple cars with one company can get a discount for every vehicle.
  • Discounts for Cautious Drivers – Drivers who avoid accidents can pay as much as 50% less on Beetle insurance than their less cautious counterparts.
  • Low Miles Discount – Driving less may allow you to get lower rates due to less chance of an accident.
  • Discounts for Government Workers – Employees or retirees of the government may reduce rates when you quote auto insurance on Beetle insurance with certain companies.
  • Sign Online – A handful of insurance companies will give a small break simply for signing on the internet.
  • Discount for Multiple Policies – If you can combine your auto and home policy and insure them with the same company you could get a discount of nearly 15% which can help you find cheap auto insurance.
  • Save over 55 – Seniors can get a small discount on rates on Beetle insurance.
  • Use Seat Belts – Requiring all passengers to buckle up could cut 10% or more off the PIP or medical payment premium.
  • Accident Free – Drivers with accident-free driving histories are rewarded with significantly better rates on auto insurance quote when compared to bad drivers.
  • Professional Memberships – Participating in a qualifying organization could trigger savings when shopping for insurance.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as comprehensive or collision. Even though the math looks like all the discounts add up to a free policy, it doesn’t quite work that way.

Some of the insurance companies who may offer some of the discounts shown above are:

If you want affordable auto insurance quotes, ask all the companies the best way to save money. Depending on the company, some discounts may not apply in your area. To see insurance companies that offer discounts, follow this link.

Your insurance coverage coverage should be tailored to you

When choosing the right insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that can help discover if your insurance needs may require specific advice.

  • Are rock chip repairs covered?
  • Am I covered when driving in Canada or Mexico?
  • Do I need higher collision deductibles?
  • Do I pay less if my vehicle is kept in my garage?
  • Are all vehicle passengers covered by medical payments coverage?
  • How can I find cheaper teen driver insurance?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance coverage considerations

Knowing the specifics of your policy can help you determine which coverages you need and the correct deductibles and limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for EMT expenses, rehabilitation expenses, chiropractic care, prosthetic devices and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, hail damage, damage from getting keyed and a broken windshield. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from a collision 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 can pay for things such as colliding with another moving vehicle, damaging your car on a curb, driving through your garage door, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages do not exceed the liability coverage limits.

Liability car insurance

Liability insurance will cover injuries or damage you cause to other’s property or people. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as medical expenses, pain and suffering and structural damage. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Pennies from heaven

You just learned some good ideas how to reduce 2017 Volkswagen Beetle insurance auto insurance rates online. It’s most important to understand that the more times you quote, the higher your chance of finding cheap auto insurance. You may be surprised to find that the lowest auto insurance rates come from some of the lesser-known companies.

Insureds leave their current company for many reasons like lack of trust in their agent, high rates after DUI convictions, delays in paying claims or even not issuing a premium refund. It doesn’t matter what your reason, finding the right car insurance provider can be pretty painless.

While you’re price shopping online, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. Your goal should be to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

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