Lower Your 2013 Volkswagen Beetle Car Insurance Rates

I can’t think of a single person who looks forward to paying premiums for car insurance, especially knowing they are paying too much. Having so many online and local companies to choose from, it’s nearly impossible to choose the most cost effective company.

How to get free car insurance quotes online

Finding low cost 2013 Volkswagen Beetle car insurance rates is a fairly straight forward process. Consumers just need to take the time getting comparison quotes online with multiple companies. This can be done by following the guidelines below.

  1. The simplest way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This style of form prevents you from having to do a different quote for each price estimate. Taking the time to complete one form gets prices estimates from car insurance companies with the best prices.
  2. A more time consuming way to analyze rates consists of visiting the website of each company and repeat the quote process. For sake of this example, we’ll assume you want to compare rates from Progressive, Esurance and State Farm. In order to compare rates, you need to go to each individual site to enter the same coverage data repeatedly, which can get old fast. For a list of links to companies insuring cars in your area, click here.

You can choose any of those ways to find more affodable coverage, but do your best to use the exact same coverage limits for each price quote. If your comparisons have different limits and deductibles on each one you will not be able to decipher which rate is best.

Drivers can save with these discounts

Some providers don’t always publicize every possible discount very clearly, so the list below gives a summary of a few of the more common and also the lesser-known car insurance savings.

  • Air Bags and Passive Restraints – Factory air bags or motorized seat belts may qualify for discounts of 20% or more.
  • Military Deployment Discount – Being deployed with a military unit could qualify you for better car insurance rates.
  • New Vehicle Savings – Adding a new car to your policy can save you some money due to better safety requirements for new model year vehicles.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for substantially lower rates.
  • Claim Free – Good drivers with no accidents pay less as compared to drivers with a long claim history.
  • Sign Early and Save – A few companies allow discounts for switching policies before your current expiration date. You may see this discount when you get car insurance quotes online.
  • Discount for Life Insurance – Insurance companies who offer life insurance give a break if you buy a life policy as well.

Don’t be surprised that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

If you would like to view insurers that can offer you the previously mentioned discounts, click here.

Smart buyers can reduce insurance rates

Multiple criteria are used in the calculation when you get a price on insurance. Most are fairly basic such as traffic violations, but some are not quite as obvious like your vehicle usage or your vehicle rating.

  • Women tend to cost less – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. However, this does not mean females are better drivers. Females and males cause accidents in similar numbers, but the men cause more damage. Men also tend to have more aggressive citations such as DWI and reckless driving. Male teenagers cause the most accidents and therefore have the most expensive insurance coverage rates.
  • Policy add-ons add up – There are a ton of extra coverages that you can get tricked into buying on your Beetle policy. Insurance for rental car reimbursement, towing coverage, and extra life insurance coverage may be costing you every month. They may seem like a good idea when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Big cities mean more claims – Being located in smaller towns and rural areas of the country has it’s advantages when it comes to insurance coverage. Urban drivers regularly have more road rage incidents and much longer commute distances. Lower population means reduced accidents in addition to lower liability claims
  • Low comp and collision deductibles can be expensive – Your deductibles state the amount of money you are required to spend if a claim is determined to be covered. Physical damage protection, also known as collision and other-than-collision, insures against damage to your car. Some coverage claims would be rearending another vehicle, damage from fire, and damage from wind. The higher the amount you’re willing to pay, the less your insurance coverage will be for Beetle insurance.
  • Uninterrupted coverage lowers prices – Going without insurance can be a quick way to trigger a rate increase. Not only will you pay more, being ticketed for driving with no insurance could earn you a steep fine or even jail time.
  • Driver age impacts premiums – Youthful drivers are statistically proven to be less responsible behind the wheel so they pay higher insurance coverage rates. Having to add a beginning driver to your insurance coverage policy will cause a huge premium hike. More experienced drivers have been proven to be more responsible, cause fewer claims and accidents .

Special considerations

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. These are some specific questions could help you determine whether your personal situation will benefit from professional help.

  • How do I buy GAP insurance?
  • Will filing a claim cost me more?
  • When should I buy a commercial auto policy?
  • Does my 2013 Volkswagen Beetle qualify for pleasure use?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is extra glass coverage worth it?
  • Should I buy only the required minimum liability coverage?
  • What exactly is covered by my policy?
  • How can I find cheaper teen driver insurance?
  • Should I buy full coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Auto insurance 101

Understanding the coverages of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as doctor visits, X-ray expenses and prosthetic devices. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

Liability coverage

Liability insurance will cover damage or injury you incur to other’s property or people. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things like bail bonds, attorney fees, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

This pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, damage from flooding and fire damage. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision coverage covers damage to your Beetle resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like driving through your garage door, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

A tidy conclusion

We just showed you a lot of information how to compare 2013 Volkswagen Beetle insurance prices online. It’s most important to understand that the more you quote car insurance, the higher the chance of saving money. You may even discover the most savings is with the smaller companies. Smaller companies often have lower rates on specific markets compared to the large companies like State Farm or Progressive.

Budget-friendly insurance can be bought both online and with local insurance agents, and you need to price shop both to have the best selection. Some companies do not provide the ability to get quotes online and most of the time these small insurance companies sell through local independent agents.

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