2018 Volkswagen Beetle Convertible Car Insurance Quotes

Looking for cheaper car insurance rates? Shoppers have a choice when shopping for low-cost Volkswagen Beetle Convertible insurance. They can either spend hours calling around trying to get quotes or use the internet to make rate comparisons. There are more efficient ways to buy car insurance and we’ll show you the proper way to quote coverages for a new or used Volkswagen and find the lowest price from both online companies and local agents.

Consumers need to check car insurance prices at least once a year because insurance prices are rarely the same from one policy term to another. Even if you got the lowest price on Beetle Convertible coverage two years ago there may be better deals available now. Don’t believe everything you read about car insurance out there, but in this article, you’re going to get some good information on how to lower your car insurance premiums.

Discount insurance quotes

Insurance can cost an arm and a leg, but discounts can save money and there are some available to reduce the price significantly. A few discounts will automatically apply at the time of quoting, but a few need to be requested specifically before you get the savings.

  • Resident Student – College-age children who are enrolled in higher education away from home without a vehicle on campus may be able to be covered for less.
  • Telematics Data – Insureds who allow driving data collection to look at vehicle usage remotely such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as the data is positive.
  • Sign Online – A few larger online companies will give a small break shop insurance on your computer.
  • Auto/Life Discount – Larger companies have a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Discounts for New Vehicles – Insuring a vehicle that is new can cost up to 25% less due to better safety requirements for newer vehicles.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The good student discount can last until age 25.

Drivers should understand that some credits don’t apply to the entire policy premium. Most cut individual premiums such as liability and collision coverage. Even though it may seem like you can get free auto insurance, you’re out of luck.

A few companies that possibly offer these discounts are:

If you need affordable insurance quotes, ask all the companies which discounts can lower your rates. Some of the discounts discussed earlier might not be offered on policies in your state.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out if you would benefit from an agent’s advice.

  • When should my teen driver be added to my policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Where can I find DUI or SR-22 insurance?
  • What is covered by UM/UIM coverage?
  • Does coverage extend to my business vehicle?
  • How can I find cheaper teen driver insurance?
  • Can I afford low physical damage deductibles?
  • What is the rate difference between pleasure use and commuting?
  • Does my liability insurance cover pulling a trailer or camper?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverage information

Knowing the specifics of auto insurance helps when choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses like prosthetic devices, nursing services and pain medications. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability

Liability coverage will cover damage that occurs to other people or property. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like court costs, loss of income, legal defense fees and pain and suffering. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as falling objects, damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a deer and hitting a bird. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This gives you protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision coverage protection

Collision insurance covers damage to your Beetle Convertible from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a ditch, crashing into a building, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

More effort can pay off

Some insurance companies may not offer online rate quotes and usually these small, regional companies only sell coverage through local independent agents. Budget-conscious 2018 Volkswagen Beetle Convertible insurance can be bought online and from local insurance agents, so you need to compare both in order to have the best chance of saving money.

As you restructure your insurance plan, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where someone sacrificed comprehensive coverage or liability limits only to find out that the savings was not a smart move. Your goal should be to buy enough coverage at a price you can afford, but do not sacrifice coverage to save money.

We covered many tips how you can reduce 2018 Volkswagen Beetle Convertible insurance prices online. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding affordable insurance. Drivers may discover the lowest prices come from a smaller regional carrier.

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