Volkswagen Beetle Insurance Rates

You have lots of choices when trying to find low-cost insurance for your Volkswagen vehicle. You can buy direct from your neighborhood insurance agent or shop online to compare pricing from car insurance companies. Shopping for car insurance from online rate quotes is easy and at the same time you will probably save money.

Consumers not familiar with comparison shopping may think shopping for cheap Beetle insurance is more work than they want to put in. To find the best car insurance prices, there are several ways to get quotes and find the best price. The simplest method to find the lowest Beetle insurance cost consists of shopping online. It is quite easy and can be accomplished by visiting this page.

What factors impact car insurance premiums?

Insurance rates for a Volkswagen Beetle can be significantly different based upon several criteria. Taken into consideration are:

The performance level of your Beetle
How many accidents you have had
Whether you insure your home with the same company
Use of your vehicle
Special coverage such as replacement cost
Your profession
Insurance coverage level
Whether you rent or own your home

One last important factor that will help determine the rate you pay on your Volkswagen is the year of manufacture. Older cars and trucks have a reduced actual cash value so repair costs tend to be lower which will push premiums down. Although more recent Volkswagen vehicles may have options included like tire pressure monitors, anti-lock brakes, and forward-collision avoidance that may help provide discounts that lower premiums.

To get a better understanding how much rates will be for your vehicle, select the year of your Beetle from available model years below.

Liability insurance

Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase as large an amount as possible.

Coverage for collisions

Collision coverage will pay to fix damage to your Volkswagen caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder. Beetle collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper Beetle insurance quotes.

Comprehensive protection

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. PIP is only offered in select states but can be used in place of medical payments coverage.

How Much are Volkswagen Beetle Insurance Rates?