2018 Volkswagen Beetle Convertible Insurance Cost

Want lower insurance coverage rates for your Volkswagen Beetle Convertible? Did you make the mistake of buying high-priced insurance coverage? Believe me, many drivers have buyer’s remorse.

Since drivers have many options when it comes to insurance coverage, it’s difficult to pick the most affordable company.

It’s smart to compare prices on a regular basis since prices change quite often. Even if you think you had the best rates on Beetle Convertible insurance at your last renewal the chances are good that you can find a lower rate quote today. There is a lot of bad advice regarding insurance coverage on the internet, but by reading this article, you’re going to learn some great ideas on how to buy insurance coverage cheaper.

Shopping for the lowest cost car insurance is easy if you know what you’re doing. Essentially every driver who shops for car insurance will most likely be able to save money. Although drivers do need to know how insurance companies price insurance differently and apply this information to your search.

Why your insurance costs might be higher

Smart consumers have a good feel for some of the elements that are used to determine the price you pay for car insurance. If you understand what determines premiums, this allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Shown below are some of the most rate-impacting factors used by insurance companies to determine premiums.

• Careless drivers pay higher costs – How you drive has a lot to do with how much you pay for insurance. Drivers with clean records pay less for auto insurance than people who have multiple driving citations. Having just one speeding ticket may cause rates to rise by as much as twenty percent. Drivers who get flagrant violations like reckless driving or DUI may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
• Certain vocations raise car insurance rates – Careers such as judgesair traffic controllers and financial analysts usually pay the highest average rates due to intense work situations and extremely grueling work hours. On the flip side, occupations such as actors, athletes and the unemployed have the lowest average rates on Beetle Convertible insurance.
• Only buy extra policy coverages you need – Policies have additional extra coverages that sound like a good idea at the time when buying car insurance. Add-on coverages like rental car reimbursement, better glass coverage, and extra life insurance coverage may be wasting your money. They may seem good when you first buy your policy, but if you have no use for them eliminate them to save money.
• Single drivers take more risk – Being married can get you a discount when buying car insurance. Having a spouse generally demonstrates drivers are more stable financially and insurance companies reward insureds because married drivers get in fewer accidents.
• How old are your drivers? – Mature drivers are proven to be safer behind the wheel, cost insurance companies less in claims and tend to be get fewer driving tickets.Teenage drivers have a tendency to get distracted easily when at the wheel of a vehicle so car insurance rates are higher.
• Drive a safer car and pay less – Cars with five star safety ratings tend to have lower insurance rates. Safer cars have better occupant injury protection and better occupant protection means less claims paid which can mean better rates for you.
• Inexpensive frequent insurance claims are not good – Insurance companies provide most affordable rates to policyholders who do not rely on their insurance for small claims. If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Insurance coverage is intended for major claims that would cause financial hardship.
• High deductibles equal low rates – Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Examples of covered claims are a broken side mirror, hitting a deer, and damage caused by flying debris. The deductibles are how much you are required to spend out-of-pocket if a claim is determined to be covered. The more the insured has to pay upfront, the less money you will pay for car insurance on Beetle Convertible insurance.

Car insurance quotes comparison

To find cheap insurance coverage quotes, there are several ways to get quotes from all the different companies. One of the best ways to find the cheapest 2018 Volkswagen Beetle Convertible insurance rates is to perform an online rate comparison. It’s really quite simple and can be done using a couple different methods.

1. The fastest and easiest way to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This method keeps you from doing separate quote forms for every prospective company. In just a few minutes this one form will get you price quotes from several companies.
2. A less efficient way to find better pricing consists of going to the website for each individual company and get a separate price quote. For sake of this example, we’ll pretend you want to compare Geico, Farmers and Progressive. To get each rate you have to go to each individual site and punch in your information repeatedly, which can be really labor intensive. For a list of links to companies insuring cars in your area, click here.
3. The least efficient way to find cheaper rates is to spend time driving to insurance agencies in your area. Quoting and buying insurance online eliminates the middleman unless you require the personal advice of a licensed agent. It is possible to get prices online but still have the advice of a local agent.

You can choose any of those ways to find more affodable coverage, but compare nearly identical deductibles and coverage limits for each price quote. If the quotes have higher or lower deductibles it’s not possible to find the best deal for your Volkswagen Beetle Convertible. Just a small difference in coverage limits can result in a big premium difference. It’s important to know that comparing more rates from different companies helps locate a better price.

But they said I’d save $415 a year!

Companies like Allstate, Geico and Progressive regularly use television and radio advertisements. They all make the same claim that people will save just by switching your policy. But how can every company make almost identical claims? It’s all in the words they use.

All the different companies look for specific characteristics for the type of driver that earns them the most money. One example of this type of insured might be over the age of 45, has other policies, and drives a safe vehicle. Any person that matches those criteria gets the lowest car insurance rates and will save when they switch companies.

Potential customers who don’t measure up to the ideal profile must pay a higher rate which translates to the customer not purchasing. If you listen closely, the ads state “drivers that switch” not “all people who quote” can save as much as they claim. That is how companies can make the claims of big savings.

This really drives home the point why it’s extremely important to get a wide range of price quotes. It’s impossible to know which insurance companies will fit you best based on your risk profile.

Affordable auto insurance quotes with discounts

Companies offering auto insurance don’t always list every disount available in a way that’s easy to find, so we break down a few of the more common as well as the least known discounts that you may qualify for.

• Discount for Passive Restraints – Cars that have air bags can receive discounts of 20 to 30 percent.
• Good Driver Discount – Safe drivers may save up to 50% more on Beetle Convertible insurance than less cautious drivers.
• Discount for Life Insurance – Not all auto insurance companies offer life insurance, but some may give you a small discount if you purchase life insurance.
• Distant Student – Youth drivers who attend college more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
• Military Rewards – Being on active deployment in the military could qualify you for better prices.
• Data Collection Discounts – Policyholders that allow driving data collection to spy on driving manner by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they are good drivers.
• Own a Home and Save – Simply owning a home can earn you a little savings since home ownership requires a higher level of personal finance.
• Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving can save 10% or more on medical payment and PIP coverage.
• No Claims – Drivers who don’t have accidents are rewarded with significantly better rates on insurance coverage quote as compared to drivers with a long claim history.

As is typical with insurance, many deductions do not apply to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way.

Auto insurance companies who may offer most of these discounts include:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

When comparing rates, check with every prospective company the best way to save money. Some credits may not apply to policies everywhere. To see a list of insurance companies that can offer you the previously mentioned discounts, click here.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions could help you determine if your situation may require specific advice.

• Should I file a claim if it’s only slightly more than my deductible?
• How can I force my company to pay a claim?
• Is business equipment covered while in my vehicle?
• I don’t drive much so do I pay less?
• Is there coverage for injuries to my pets?
• Am I covered if I crash into my own garage door?
• Can I get a multi-policy discount?
• Can I afford low physical damage deductibles?
• Does coverage extend to a rental car in a foreign country?
• Does my liability insurance cover pulling a trailer or camper?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Learn about auto insurance coverages for a Volkswagen Beetle Convertible

Having a good grasp of a auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on most auto insurance policies.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for expenses like pain medications, dental work, ambulance fees and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Liability car insurance

Liability insurance can cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims like pain and suffering, legal defense fees, emergency aid and medical services. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, damage from getting keyed, vandalism and fire damage. The most a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage protection

This coverage will pay to fix damage to your Beetle Convertible resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like backing into a parked car, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Beetle Convertible.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Save your hard earned cash

We covered many tips how you can compare 2018 Volkswagen Beetle Convertible insurance prices online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may even find the biggest savings come from a lesser-known regional company. Some small companies can often provide lower rates in certain areas compared to the large companies like Allstate and Progressive.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where an accident victim reduced full coverage only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at the best cost while still protecting your assets.

Other resources

• How to Avoid Staged Accidents (State Farm)
• Credit and Insurance Scores (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)
• Things to Know Before you Cancel Insurance (Allstate)
• Distracted Driving Statistics (Insurance Information Insitute)