How Much Does 2014 Volkswagen Beetle Convertible Insurance Cost?

Looking for lower car insurance rates for your Volkswagen Beetle Convertible? Finding low-cost insurance for a Volkswagen Beetle Convertible can be difficult, but you can learn the following methods and make it easy. There are more efficient ways to compare car insurance rates and we’ll show you the best way to compare rates on a Volkswagen and get the best price possible from both online companies and local agents.

You may qualify for discounts

Companies do not list every available discount very clearly, so the next list breaks down both well-publicized and also the more inconspicuous discounts that may be available.

  • Lower Rates for Military – Having an actively deployed family member could mean lower premium rates.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle up before driving can save 10% or more on medical payment and PIP coverage.
  • Low Miles Discount – Driving less may enable drivers to earn lower rates due to less chance of an accident.
  • Full Payment Discount – By making one initial payment rather than paying monthly you can avoid monthly service charges.
  • Good Student – This discount may save you up to 25%. You can use this discount normally until age 25.

We need to note that most credits do not apply to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, auto insurance companies aren’t that generous. Any amount of discount will definitely reduce your premiums.

Companies and their offered discounts are included below.

  • Geico may have discounts that include anti-lock brakes, good student, defensive driver, multi-vehicle, emergency military deployment, and five-year accident-free.
  • Auto-Owners Insurance offers premium reductions for air bags, paid in full, teen driver, multi-policy, and anti-lock brakes.
  • American Family may include discounts for good driver, TimeAway discount, good student, mySafetyValet, and defensive driver.
  • Esurance policyholders can earn discounts including multi-car, Pac-12 alumni, good driver, Switch & Save, renters, and anti-lock brakes.
  • Progressive includes discounts for online quote discount, online signing, homeowner, good student, multi-vehicle, and multi-policy.
  • State Farm discounts include good driver, anti-theft, driver’s education, safe vehicle, multiple policy, and accident-free.
  • AAA has savings for pay-in-full, multi-policy, good student, anti-theft, and education and occupation.

Before purchasing a policy, check with every prospective company the best way to save money. All car insurance discounts might not be offered on policies in your area.

Affordable insurance coverage quotes online

Shopping for lower insurance coverage rates can take hours if you don’t know the most efficient way to do it. You can waste hours talking to agents in your area, or you can utilize online quoting to quickly compare rates.

Most of the best insurance companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and each participating company returns a competitive quote for coverage. This prevents consumers from doing quote requests to each company. To find out how much you’re overpaying now click here (opens in new window).

The one disadvantage to comparing rates this way is that you can’t choose the providers to get pricing from. If you wish to select individual companies to compare prices, we have a page of companies who write insurance coverage in your area. Click here to view list.

It’s your choice how you get your quotes, but do your best to use identical coverage limits on every quote. If you use mixed coverages it’s impossible to decipher which rate is best.

Why you might pay lower rates

Lots of factors are used when pricing auto insurance. Most are fairly basic such as traffic violations, but other criteria are not as apparent like where you live or your commute time.The best way to find cheaper car insurance is to take a look at some of the things that aid in calculating car insurance rates. If you understand what controls the rates you pay, this empowers consumers to make smart changes that will entitle you to cheaper rates.

  • Don’t skimp on liability coverage – The liability section of your policy will provide protection when you are found to be at fault for causing damage or personal injury in an accident. This coverage provides you with a defense in court to attempt to prove you were not liable. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
  • Your address can affect prices – Residing in a rural area is a good thing when shopping for auto insurance. City drivers tend to have more aggressive driving styles and more time behind the wheel. Fewer people corresponds to lower accident rates and lower theft and vandalism rates.
  • Guys are more aggressive – The statistics show that men are more aggressive behind the wheel. It does not mean women are BETTER drivers than men. They both have fender benders in similar numbers, but the male of the species tend to have more serious accidents. Men also receive more costly citations like DWI (DUI) or reckless driving. Teenage male drivers are the most expensive to insure and therefore are the most expensive to insure.
  • Younger drivers cost more – Inexperience drivers tend to be careless and easily distracted when at the wheel of a vehicle so they pay higher car insurance rates. Older insureds are more cautious drivers, cost insurance companies less in claims and get fewer tickets.
  • Pay less with a high NHTSA crash test rating – Vehicles that have high safety ratings can get you lower premiums. Highly rated vehicles help reduce the chance of injuries in an accident and better occupant protection means less claims paid which can mean better rates for you. If your Volkswagen Beetle Convertible scored better than four stars on Safercar.gov it is probably cheaper to insure.
  • Discounts for married couples – Walking down the aisle can get you a discount on your car insurance bill. Having a significant other usually means you are more mature and insurance companies like that married couples file fewer claims.
  • Lower prices for being claim-free – If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance companies generally give the lowest premiums to drivers that do not abuse their auto insurance. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

There’s no such thing as the perfect insurance coverage policy

When buying the right insurance coverage for your vehicles, there really is no one size fits all plan. Every insured’s situation is different.

These are some specific questions may help highlight whether or not you could use an agent’s help.

  • Where can I find high-risk insurance?
  • Does insurance cover tools stolen from my truck?
  • Do I need special endorsements for business use of my vehicle?
  • Should I buy only the required minimum liability coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • Why am I required to get a high-risk car insurance policy?
  • How much can I save by bundling my policies?
  • Am I covered if I drive in a foreign country?
  • Is my ex-spouse still covered by my policy?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.

Specific coverages for a Volkswagen Beetle Convertible

Knowing the specifics of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a parking meter, colliding with another moving vehicle, scraping a guard rail, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for bills for hospital visits, nursing services, prosthetic devices and pain medications. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability coverage will cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as repair bills for other people’s vehicles, emergency aid, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive car insurance

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, vandalism, theft and damage from getting keyed. The most your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your 2014 Volkswagen Beetle Convertible.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Shop Smart and Save

When you buy auto insurance online, don’t be tempted to buy less coverage just to save a little money. In many instances, an insured cut liability coverage limits and discovered at claim time that they should have had better coverage. The aim is to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.

Some insurance providers may not offer the ability to get a quote online and most of the time these small insurance companies only sell coverage through independent agents. Affordable 2014 Volkswagen Beetle Convertible insurance can be sourced from both online companies and from local agencies, and you should be comparing both to have the best selection.

Insureds leave their current company for a variety of reasons including delays in paying claims, being labeled a high risk driver, unfair underwriting practices and even high prices. Whatever your reason, finding a new car insurance company can be easy and end up saving you some money.

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