Save on 2014 Volkswagen Beetle Insurance Rates

Searching for cheaper insurance for your Volkswagen Beetle can normally be a painful process, but you can use a few tricks and make it easy. There is a better way to buy car insurance so we’re going to tell you the absolute fastest way to quote coverages for a new or used Volkswagen and find the best price possible from local insurance agents and online providers.

It’s smart to get comparison quotes on a regular basis since insurance rates are variable and change quite frequently. Even if you got the best premium rates on Beetle coverage on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the best methods to remove unneeded coverages and save money.

Cheap auto insurance

Shopping for lower auto insurance rates can be a lot of work if you aren’t aware of the most efficient way. You can waste hours discussing policy coverages with agents in your area, or you could use the internet to get prices fast.

Many popular insurance companies take part in a program where insurance shoppers only type in their quote data once, and each participating company returns a rated price based on that information. This eliminates the need for form submissions to every company.

To find out what other companies charge click here to start a free quote.

The one disadvantage to using this type of form is you can’t choose which providers you want to price. So if you want to select specific providers for rate comparison, we have a listing of the cheapest auto insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but compare apples-to-apples quote data with every price quote. If you have different values for each quote then you won’t be able to get a fair rate comparison.

Find hidden discounts to get affordable auto insurance quotes

Some insurance providers don’t list the complete list of policy discounts very clearly, so we break down both well-publicized and also the lesser-known credits available to lower your premiums when you buy insurance online.

  • Early Renewal Discounts – Some larger companies give discounts for signing up prior to your current policy expiration. It can save you around 10%.
  • Passive Restraint Discount – Factory options such as air bags or automatic seat belts can receive discounts up to 30%.
  • Homeowners Savings – Owning your own home or condo can save a few bucks because owning a home demonstrates responsibility.
  • E-sign – Many insurance companies will give you a small discount just for signing your application on the internet.
  • Discount for Low Mileage – Driving less may enable drivers to earn substantially lower premium rates.
  • Good Grades Discount – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Anti-theft System – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and will save you 10% or more.

Don’t be shocked that some credits don’t apply to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. Even though it appears all the discounts add up to a free policy, auto insurance companies aren’t that generous.

A few companies that possibly offer some of the above discounts include:

When getting a coverage quote, ask all the companies how you can save money. Depending on the company, some discounts might not be available to policyholders in your state. If you would like to choose from a list of insurers with discount rates, click this link.

Tailor your car insurance coverage to you

When buying adequate coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine if your situation would benefit from professional advice.

  • When do I need to add a new car to my policy?
  • Do I have coverage when using my vehicle for my home business?
  • What happens if I owe more than my 2014 Volkswagen Beetle is worth?
  • If my pet gets injured in an accident are they covered?
  • What is the difference between comprehensive and collision coverage?
  • Is a blown tire covered by insurance?
  • Should I put collision coverage on all my vehicles?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Quote Volkswagen Beetle insurance cheaper

It’s important that you understand a few of the rating criteria that go into determining the level of your policy premiums. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that may result in lower insurance prices.

The following are some of the items companies use to determine premiums.

  • How many coverages with the same company – Some insurance companies provide lower prices to buyers who carry more than one policy in the form of a multi-policy discount. Even if you already get this discount, it’s in your best interest to check prices from other companies to help guarantee you have the best rates. You may still be able to save more without the discount by splitting coverages up.
  • Liability protection – Your policy’s liability coverage will provide protection if ever you are found liable for causing personal injury or damage in an accident. This coverage provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to comp and collision, so do not cut corners here.
  • Higher deductibles lower prices – Physical damage protection, aka comp and collision, covers your vehicle from damage. Some coverage claims could be colliding with a building, hail damage, and damage from a fallen tree branch. Physical damage deductibles define the amount the insured will be required to pay before a claim is paid by your company. The larger the amount you have to pay, the less your insurance will be on Beetle coverage.
  • The more you drive the more you pay – The more you drive your Volkswagen in a year’s time the higher the price you pay to insure it. Most insurance companies rate vehicles based upon how the vehicle is primarily used. Cars and trucks that sit idle most of the time can be on a lower rate level than vehicles that are driven to work every day. It’s a smart idea to ensure your insurance declarations sheet properly reflects the proper vehicle usage, because improper ratings can cost you money. Having the wrong rating on your Beetle is just wasting money.
  • Cautious drivers pay less – Having a clean driving record has a lot to do with how much you pay for insurance. Good drivers get better rates than people who have multiple driving citations. Just one ticket may increase your cost by as much as twenty percent. People who have multiple tickets like DUI or willful reckless driving may be required to maintain a SR-22 with their state motor vehicle department in order to keep their license.
  • Being married can save you money – Your spouse may cut your premiums on your insurance bill. Marriage usually means you are more responsible and statistics prove drivers who are married are more cautious.
  • Your address can push rates up or down – Choosing to live in areas with lower population can be a good thing when insuring your vehicles. People in densly populated areas tend to have congested traffic and more severe claims. Fewer drivers on the road means less chance of accidents and lower theft and vandalism rates.
  • Mature drivers save more – Older insureds are viewed as being more responsible, tend to file fewer claims , and usually have better credit.Young drivers tend to be inattentive and easily distracted when at the wheel of a vehicle so they pay higher insurance rates.

Insurance advertising tricks

Consumers can’t escape the ads for insurance savings from the likes of Allstate, Geico and Progressive. All the ads state the claim about how much you will save just by switching your coverage to them.

How does every insurance company give you a better price? Here is how they do it.

Insurance companies quote the lowest rates for the type of driver they prefer to insure. An example of this type of risk profile may need to be over the age of 50, has a low-risk occupation, and drives newer vehicles. Anyone who matches that profile will get a cheap rate quote and is almost guaranteed to save when switching.

Insureds who may not quite match those criteria will see a higher premium which results in the customer buying from a different company. Company advertisements say “people who switch” not “everybody who quotes” save money. That’s why insurance companies can confidently make claims like that. That is why you really should compare as many free insurance quotes as you can. Because you never know which insurance companies will provide you with the cheapest prices.

Insurance coverage basics

Knowing the specifics of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as scraping a guard rail, rolling your car, sustaining damage from a pot hole, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for X-ray expenses, EMT expenses, nursing services, pain medications and ambulance fees. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as theft, hitting a bird, damage from a tornado or hurricane and damage from getting keyed. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability car insurance

This coverage can cover damage or injury you incur to other people or property that is your fault. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for claims like emergency aid, medical services and court costs. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Money doesn’t grow on trees

You just learned a lot of techniques to compare 2014 Volkswagen Beetle insurance prices online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest prices are with a small mutual company.

When searching for cheap insurance quotes, it’s very important that you do not reduce coverage to reduce premium. In too many instances, an accident victim reduced collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy enough coverage at an affordable rate and still be able to protect your assets.

Affordable 2014 Volkswagen Beetle insurance is attainable online as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some companies may not offer the ability to get quotes online and most of the time these regional insurance providers work with independent agencies.

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