Compare 2013 Volkswagen Beetle Convertible Insurance Cost

Searching for lower car insurance rates for your Volkswagen Beetle Convertible? Wish you could get out of high-priced car insurance? It’s quite common and there are many consumers feeling the pinch from expensive car insurance.

Insurance companies such as State Farm, Progressive and Geico all claim big savings, bombarding you with ad campaigns and consumers find it hard to ignore the flashy ads and find the best price available.

You should take the time to quote other rates occasionally because insurance prices fluctuate regularly. Just because you found the lowest price on Beetle Convertible coverage two years ago a different company probably has better rate quotes today. Forget all the misinformation about car insurance because it’s time to teach you the quickest way to reduce your cost while increasing coverage.

Verify you’re getting every discount

Car insurance can cost a lot, but there are discounts available to cut the cost considerably. Some of these disounts will be visible at quote time, but some may not be applied and must be specially asked for before they will apply.

  • Discount for Life Insurance – If the company offers life insurance, you could get a lower premium rate if you buy life insurance from them.
  • Payment Method – If you can afford to pay the entire bill rather than spreading payments over time you could save up to 5%.
  • Discounts for Federal Employees – Being employed by or retired from a federal job could provide a small rate reduction on Beetle Convertible coverage with a few insurance companies.
  • Discounts for New Vehicles – Buying coverage on a new vehicle can save up to 30% since newer models have better safety ratings.
  • Cautious Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% on Beetle Convertible coverage than drivers with accident claims.
  • Bundle and Save – If you insure your home and vehicles with the same company you will save nearly 15% which can help you find inexpensive car insurance.
  • Multi-car Discount – Purchasing coverage when you have all your vehicles with the same insurance company can get a discount on all vehicles.
  • Lower Rates for Military – Being on active duty in the military may lower your premium rates slightly.
  • Defensive Driver – Taking a class that teaches driver safety techniques could earn you a small percentage discount depending on where you live.

Discounts lower rates, but most discounts do not apply the the whole policy. Most only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, that’s just not realistic.

For a list of insurers with the best insurance discounts, click this link.

Finding insurance

Shopping for lower insurance rates can take hours if you don’t understand the easiest way. You could waste time talking to agents in your area, or you can stay home and use the internet to get prices fast.

Many insurance companies enroll in a system where insurance shoppers enter their policy data once, and every company can provide price quotes based on that data. This eliminates the need for form submissions to each company.

To use this form to compare rates click here to start a free quote.

The only drawback to using this type of form is you cannot specify the providers to get pricing from. If you would rather choose specific insurance companies to compare rates, we have a listing of insurance companies in your area. View list of insurance companies.

The approach you take is up to you, just make darn sure you compare exactly the same information for every company. If your comparisons have different coverage information it will be impossible to determine which rate is truly the best. Just slight variations in insurance coverages or limits can mean a large discrepancy in price. Just keep in mind that comparing more quotes will increase your chances of finding a better price.

Get cheap insurance costs by understanding these factors

Many different elements are part of the calculation when pricing auto insurance. Most are fairly basic like your driving record, but others are not as apparent such as whether you are married or how safe your car is.

The following are some of the most common factors insurance coverage companies consider when setting your rates.

  • Liability protection limits should be high – A critical coverage on your policy, liability insurance will afford coverage in the event that a court rules you are at fault for damages from an accident. Liability insurance provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to comp and collision, so do not skimp.
  • Companies want multiple policies – Most larger insurance coverage companies will give discounts to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even if you already get this discount, it’s in your best interest to check prices from other companies to confirm you are receiving the best rates possible. It’s possible to still save even more by splitting coverages up.
  • How your age affects premiums – Teenage drivers have a tendency to be inattentive and easily distracted behind the wheel and because of this, their insurance coverage rates are much higher. Adding a beginning driver onto your insurance coverage can be very expensive. Older people are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
  • What are your deductibles? – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Volkswagen. Some coverage claims are a windshield shattered by a rock, damage caused by hail, or theft. Comp and collision deductibles tell how much you are required to pay before your insurance coverage pays a claim. The more expense you choose to pay out-of-pocket, the less your insurance coverage will be on Beetle Convertible coverage.

When should I discuss my situation with an agent?

When choosing coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that may help you determine if your insurance needs may require specific advice.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I missing any policy discounts?
  • What is UM/UIM insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my insurance cover my expensive audio equipment?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I covered by my spouse’s policy after a separation?
  • Why am I required to buy liability insurance?
  • Why does it cost so much to insure a teen driver?
  • If my pet gets injured in an accident are they covered?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Coverage specifics

Learning about specific coverages of your policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages found on most auto insurance policies.

Collision coverages – Collision insurance will pay to fix damage to your Beetle Convertible resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as sideswiping another vehicle, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive insurance – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from getting keyed, vandalism, a broken windshield and hail damage. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like rehabilitation expenses, hospital visits, chiropractic care and nursing services. They are utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2013 Volkswagen Beetle Convertible.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto liability insurance – This provides protection from damage or injury you incur to a person or their property that is your fault. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as court costs, bail bonds, repair costs for stationary objects, funeral expenses and medical services. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Find Good Coverage for Less

Lower-priced 2013 Volkswagen Beetle Convertible insurance can be sourced on the web as well as from insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide rates over the internet and these smaller providers sell through local independent agents.

We’ve covered some good ideas how to compare 2013 Volkswagen Beetle Convertible insurance premium rates online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding inexpensive car insurance. Drivers may discover the best premium rates are with some of the lesser-known companies. They often have lower prices on specific markets than the large multi-state companies such as Progressive or Geico.

When you buy car insurance online, you should never reduce coverage to reduce premium. There have been many situations where an insured cut comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at the best possible price and still be able to protect your assets.

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