Cheap 2018 Volkswagen Beetle Insurance Quotes

Searching for better auto insurance rates? Consumers have options when looking for the lowest priced Volkswagen Beetle insurance. You can either waste hours calling around getting price quotes or leverage the internet to compare rates. There is a right way and a wrong way to compare auto insurance rates so you’re going to learn the proper way to get price quotes on a Volkswagen and get the cheapest rates.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to lower your premiums substantially using this strategy. Consumers just need to learn the proper methods to buy car insurance on the web.

Compare quotes for insurance

There are a lot of ways you can shop for insurance but some are less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with insurance companies in your area, or you can stay home and use the internet to get pricing more quickly.

The majority of car insurance companies participate in an industry program where prospective buyers enter their policy data once, and every company provides a quote determined by their information. This system prevents you from having to do form submissions for each company. To get comparison pricing now click here (opens in new window).

The only drawback to getting quotes like this is that you can’t choose which companies to receive prices from. So if you want to select specific providers to receive pricing from, we have assembled a list of the cheapest insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but make sure you are using exactly the same coverages and limits with each company. If you have unequal deductibles or liability limits it will be impossible to determine which rate is truly the best.

Save money with these discounts

Some insurers don’t necessarily list all their discounts very clearly, so the next list breaks down both well-publicized and also the lesser-known discounts that you can inquire about if you buy insurance online.

Federal Government Employee – Active or retired federal employment may qualify for a discount when you quote insurance for Beetle coverage with select insurance companies.
Save with More Vehicles Insured – Having more than one vehicle on a single policy qualifies for this discount.
No Claims – Claim-free drivers are rewarded with significantly better rates on insurance quote in comparison to drivers with a long claim history.
Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it will make them better drivers and lower rates.
No Charge for an Accident – Not a discount per se, but some insurance companies will forgive one accident without raising rates with the catch being you have to be claim-free prior to the accident.
Discount for Life Insurance – Not all car insurance companies offer life insurance, but some may give you better car insurancerates if you take out life insurance.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that you can get free auto insurance, companies don’t profit that way. Any amount of discount will help reduce your overall bill.

A few popular companies and some of their more popular discounts include:

Progressive may offer discounts for good student, continuous coverage, online quote discount, multi-policy, and online signing.
The Hartford policyholders can earn discounts including driver training, defensive driver, air bag, anti-theft, and bundle.
Mercury Insurance has savings for multi-car, good student, annual mileage, accident-free, ease of repair, and type of vehicle.
GEICO offers premium reductions for military active duty, defensive driver, anti-lock brakes, anti-theft, multi-policy, and multi-vehicle.
AAA may have discounts that include good driver, multi-policy, pay-in-full, education and occupation, multi-car, AAA membership discount, and good student.
State Farm offers discounts including Drive Safe & Save, accident-free, multiple autos, good student, defensive driving training, and student away at school.

If you are trying to find the cheapest insurance quotes, ask each company or agent what discounts are available to you. All car insurance discounts may not apply to policyholders in your area. To locate companies who offer free car insurance quotes, click here to view.

Auto insurance can be complex

When it comes to buying coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

For example, these questions may help you determine whether you might need professional guidance.

How can I get my company to pay me more for my totalled car?
Should I file a claim if it’s only slightly more than my deductible?
Am I covered if I wreck a rental car?
Why is insurance for a teen driver so high?
Will my vehicle be repaired with OEM or aftermarket parts?
What can I do if my company won’t pay a claim?
Is there coverage for injuries to my pets?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverages 101

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Volkswagen Beetle.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for collisions

Collision insurance will pay to fix damage to your Beetle resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as scraping a guard rail, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Auto liability

This can cover damage or injury you incur to other’s property or people in an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different 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 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as medical expenses, court costs, pain and suffering and legal defense fees. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as prosthetic devices, nursing services, ambulance fees and surgery. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as vandalism, damage from flooding, hail damage, damage from getting keyed and a broken windshield. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.