How Much Does 2014 Volkswagen Beetle Insurance Cost?

Finding low-cost insurance for a Volkswagen Beetle can turn out to be a lot of work, but you can use these tips to find lower rates.

There is a better way to compare insurance rates and we’ll show you the quickest way to compare rates for a Volkswagen and get the lowest possible price from local insurance agents and online providers.

Which auto insurance is cheapest?

Finding cheaper auto insurance quotes is pretty simple and can save money. Drivers just need to take time getting comparison quotes online from several insurance companies. Shoppers can get rates in several different ways.

• One of the best ways to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This form saves time by eliminating multiple quote forms for each company you want a rate for. A single form gets you coverage quotes direct from many companies. This is by far the quickest method.
• A less efficient way to compare prices requires you to visit each company website and get a separate price quote. For sake of this example, we’ll assume you want to get rates from Liberty Mutual, Geico and Travelers. To do that, you would have to take the time to go to each site to input your insurance information, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.

The method you choose is up to you, but make sure you are using the exact same coverage limits on every quote. If you have higher or lower deductibles then you won’t be able to make an equal comparison.

Lower rate quotes with discounts

Insuring your fleet can be pricey, but there could be significant discounts that can dramatically reduce your bill. Some of these disounts will be visible when you quote, but some need to be specially asked for in order for you to get them. If you check and find you aren’t receiving every discount available, you are throwing money away.

• Discount for Life Insurance – Larger insurance carriers have a discounted insurance coverage rate on car insurance if you buy some life insurance too.
• Buy New and Save – Insuring a new car can cost up to 25% less since new vehicles have better safety ratings.
• Military Discounts – Being on active deployment in the military can result in better premium rates.
• Telematics Devices – Drivers who elect to allow data collection to analyze driving manner by installing a telematics device such as State Farm’s In-Drive could possibly reduce rates as long as the data is positive.
• Multiple Policy Discount – When you combine your homeowners and auto insurance with the same insurance company they may give you a discount of at least 10% off all policies.

We need to note that some credits don’t apply to the overall cost of the policy. Most only cut individual premiums such as collision or personal injury protection. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way. But any discount will definitely reduce the cost of coverage.

Companies and some of the premium reductions they offer are:

• Progressive may include discounts for online quote discount, multi-vehicle, online signing, good student, continuous coverage, homeowner, and multi-policy.
• AAA may have discounts that include education and occupation, AAA membership discount, good student, anti-theft, multi-policy, pay-in-full, and multi-car.
• Farmers Insurance may offer discounts for mature driver, electronic funds transfer, early shopping, bundle discounts, and teen driver.
• Geico has savings for emergency military deployment, multi-policy, daytime running lights, five-year accident-free, and membership and employees.
• Esurance includes discounts for multi-car, anti-theft, anti-lock brakes, claim free, and Switch & Save.
• SAFECO offers premium reductions for teen safety rewards, multi-car, homeowner, accident prevention training, bundle discounts, and teen safe driver.
• State Farm offers discounts including passive restraint, good student, multiple policy, student away at school, good driver, and accident-free.

When getting a coverage quote, ask all companies you are considering what discounts are available to you. All car insurance discounts might not be offered on policies in your area. To locate companies that offer the discounts shown above, click this link.

What is the best car insurance coverage?

When choosing coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that may help highlight whether or not you might need professional guidance.

• Can I afford to buy a different vehicle if my 2014 Volkswagen Beetle is totaled?
• Is my 2014 Volkswagen Beetle covered for flood damage?
• Do all my vehicles need collision coverage?
• Who is covered when they drive my 2014 Volkswagen Beetle?
• Does coverage extend to my business vehicle?
• Am I covered if I crash into my own garage door?
• Is my ex-spouse still covered by my policy?
• What is roadside assistance coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Auto insurance coverages

Understanding the coverages of a car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive coverages

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from getting keyed, fire damage, rock chips in glass and vandalism. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as ambulance fees, X-ray expenses, surgery and dental work. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Liability auto insurance

Liability insurance will cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things like repair costs for stationary objects, loss of income, attorney fees and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

This coverage will pay to fix damage to your Beetle resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a ditch, backing into a parked car, colliding with another moving vehicle, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Beetle.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Final thoughts

When getting insurance quotes online, never buy poor coverage just to save money. There have been many cases where an insured cut full coverage only to regret at claim time they didn’t purchase enough coverage. Your goal is to get the best coverage possible at an affordable rate.

Throughout this article, we presented a lot of information how to reduce 2014 Volkswagen Beetle insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even find the biggest savings come from the least-expected company.

Drivers change insurance companies for many reasons like policy cancellation, policy non-renewal, high rates after DUI convictions or not issuing a premium refund. Whatever your reason, finding a new company can be less work than you think.

For more information, link through to the following helpful articles:

• Crash Avoidance Technologies FAQ (iihs.org)
• Information for Teen Drivers (Geico)
• Side Impact Crash Tests (iihs.org)
• Coverage Information (Progressive Insurance)
• Safety Tips for Teen Drivers (Insurance Information Insitute)