2018 Volkswagen Beetle Insurance Quotes

Tired of sacrificing to buy auto insurance? Your situation is no different than most other people.

Insurance companies such as Geico, Progressive and Allstate all promote huge savings with ads and it can be hard to sift through the bull and find the best price available.

Smart consumers take time to check auto insurance prices once or twice a year because prices are adjusted regularly by insurance companies. Just because you had the best deal for Beetle insurance last year you can probably find a better rate now. Block out anything you think you know about auto insurance because it’s time to teach you one of the easiest ways to find better rates and still maintain coverage.

How to buy car insurance

To get inexpensive insurance quotes, there a variety of ways to obtain and compare prices from different insurance companies. The easiest way by far to find affordable 2018 Volkswagen Beetle insurance rates is to use the internet to compare rates. This can be done by using one of the methods below.

1. The easiest and least time consuming way to compare a lot of rates at once is a comparison rater form click to view form in new window. This form prevents you from having to do separate quotation requests for each company you want a rate for. Taking the time to complete one form will get you price quotes instantly.
2. A more difficult way to compare prices consists of going to the website for every company you want to comare and request a quote. For example, we’ll assume you want to compare State Farm, Geico and Farmers. You would need to navigate to each company’s site and type in your information over and over, which is why the first method is more popular.

   To view a list of companies in your area, click here.

Compare rates however you want, just try to keep the same coverage limits for every company. If each company quotes mixed coverages it will be impossible to make a fair comparison for your Volkswagen Beetle. Just slight variations in insurance coverages or limits could throw off the whole comparison. And when price shopping your coverage, comparing all the rates in your area provides better odds of finding more affordable insurance. Some insurance companies are not set up to provide price estimates online, so you also need to get price quotes from the smaller companies as well.

Do you qualify for discounts?

Some providers do not list all their discounts in an easy-to-find place, so the list below contains some of the more common and also the lesser-known credits available to lower your premiums when you buy insurance online.

• Home Ownership Discount – Simply owning a home may trigger a policy discount on car insurance due to the fact that maintaining a home is proof that your finances are in order.
• Onboard Data Collection – Policyholders that allow their company to study when and where they use their vehicle by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they are good drivers.
• Theft Deterent – Cars equipped with anti-theft or alarm systems are stolen with less frequency and earn discounts up to 10% off your insurance quote.
• Auto/Home Discount – If you combine your auto and home policies and place coverage with the same company you will save up to 20% and get you the cheapest insurance.
• Claim-Free Discount – Drivers who stay claim-free pay less as compared to drivers with a long claim history.
• Smart Student Discounts – Being a good student can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
• Discount for Swiching Early – Some car insurance companies reward drivers for signing up before your current coverage expires. You can save around 10% with this discount.
• Discounts for Good Drivers – Insureds who avoid accidents could pay up to 40% less for Beetle insurance compared to rates paid by drivers with frequent claims.
• Waiver for an Accident – This one isn’t a discount, but a handful of insurance companies permit an accident without getting socked with a rate hike if you have no claims for a certain period of time.
• Pay Now and Pay Less – By making one initial payment rather than spreading payments over time you could save up to 5%.

Consumers should know that most discounts do not apply to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck. But all discounts will lower your policy cost.

For a list of providers with discount car insurance rates, click this link.

Smart buyers save every year

It’s important that you understand a few of the rating criteria that come into play when calculating your premiums. If you know what determines premiums, this helps enable you to make changes that may reward you with lower premium levels. Multiple criteria are taken into consideration when pricing auto insurance. Most are fairly basic such as traffic violations, but other factors are more transparent like where you live or your commute time.

• Stress out and pay more – Occupations like real estate brokerspolice officers and emergency personnel are shown to have higher premium rates attributed to high stress levels and lots of time spent at work. On the flip side, careers like professors, historians and retirees have lower than average premiums for Beetle insurance.
• Vehicle features that cut prices – Purchasing a vehicle with anti-theft technology or alarm system can save you some money. Theft prevention features like OnStar, LoJack tracking, and tamper alarms all help stop your car from being stolen.
• How much liability insurance do you need? – A critical coverage on your policy, liability insurance provides coverage in the event that a jury decides you are liable for personal injury or accident damage. It will provide legal defense up to the limits shown on your policy. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
• Expect high rates for teens – Older drivers are shown to be more cautious, cost insurance companies less in claims , and are generally more financially stable.Inexperience drivers tend to be careless and easily distracted when driving with friends so insurance rates are higher.
• Coverage lapses lead to higher insurance rates – Allowing your coverage to lapse can be a sure-fire way to bump up your insurance costs. Not only will you pay more, being ticketed for driving with no insurance may earn you fines or a revoked license. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
• Low coverage deductibles cost more – Physical damage protection, also called comprehensive and collision insurance, covers your vehicle from damage. A few examples of covered claims would be a broken side mirror, damage from fire, and having your car stolen. The deductibles are how much you are required to spend before a claim is paid by your company. The more money you have to pay, the better rate you will receive for Beetle insurance.
• Stay claim-free and reduce rates – Auto insurance companies generally give most affordable rates to people who do not rely on their insurance for small claims. If you frequently file small claims, you can expect either higher rates or even cancellation. Your insurance policy is intended to be relied upon for claims that pose a financial burden.

Don’t assume everyone needs the same car insurance coverage

When buying proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can help discover whether or not you might need professional guidance.

• Do I need medical payments coverage since I have good health insurance?
• I have a DUI can I still get coverage?
• Are rental cars covered under my policy?
• How much liability coverage do I need in my state?
• Is a blown tire covered by insurance?
• Does my medical payments coverage pay my health insurance deductible?
• Can I afford low physical damage deductibles?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Coverages available on your car insurance policy

Having a good grasp of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types available from car insurance companies.

Comprehensive auto coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, fire damage, hail damage, damage from a tornado or hurricane and vandalism. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Volkswagen Beetle.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like hospital visits, pain medications and nursing services. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverages – This pays for damage to your Beetle from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like backing into a parked car, scraping a guard rail, rolling your car, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability car insurance – Liability insurance protects you from damages or injuries you inflict on a person or their property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things such as loss of income, emergency aid, structural damage, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Don’t throw your cash in the trash

We just covered many ways to compare 2018 Volkswagen Beetle insurance prices online. The most important thing to understand is the more times you quote, the higher your chance of finding the cheapest insurance. You may even find the best prices are with an unexpected company. Regional companies may have significantly lower rates on certain market segments than their larger competitors like Progressive or Geico.

Some companies may not offer the ability to get quotes online and usually these regional insurance providers only sell coverage through independent insurance agents. Cheap 2018 Volkswagen Beetle insurance is attainable from both online companies and also from your neighborhood agents, so you need to compare both so you have a total pricing picture.

More information is available at these links:

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)