2015 Volkswagen Beetle Car Insurance Cost – 6 Tricks for Best Prices

High-priced Volkswagen Beetle insurance can bleed your monthly budget and force you to cut corners elsewhere.

Many insurance companies compete for your business, so it can be very hard to choose a insurance company to get the best rate

It’s smart to take a look at other company’s rates quite often since rates are rarely the same from one policy term to another. Even if you think you had the best premium rates for Beetle coverage two years ago other companies may now be cheaper. There is a lot of wrong information about insurance on the web, but you can learn some tested techniques to reduce your insurance bill.

Free car insurance quotes

All major car insurance companies like Allstate, Geico and Progressive provide insurance quotes direct online. Getting quotes doesn’t take much effort as you just enter your required coverages into a form. Once you submit the form, the company’s rating system automatically retrieves credit information and your driving record and generates pricing information. Being able to quote online makes it easy to compare insurance prices but the time it takes to visit many different websites and complete many quote forms is a waste of time. But it’s very important to have as many quotes as possible in order to find better prices.

An easier way to compare car insurance pricing uses one simple form to obtain quotes from a bunch of companies at once. It saves time, requires much less work on your part, and makes price shopping online much more enjoyable and efficient. After sending the form, it is rated and you can select any of the price quotes you receive. If a lower price is quoted, it’s easy to complete the application and purchase coverage. The entire process just takes a couple of minutes and could lower your rates considerably.

To fill out one form to compare multiple rates now, click here and enter your vehicle and coverage information. To compare your current rates, we recommend you input deductibles and limits exactly as they are listed on your policy. This helps ensure you will be getting rate comparison quotes for similar insurance coverage.

Why you might not save $490 a year

Car insurance companies such as Allstate, Geico and Progressive consistently run ads on television and other media. They all seem to state the claim about savings if you get a free car insurance quote and switch your coverage to them. How is it plausible that every one can have lower policy pricing?

All companies offer their best rates for a prospective insured that will most likely be profitable. One example of a profitable customer might have to be between the ages of 30 and 45, has a clean driving record, and drives a lower-performance vehicle. Any person that hits that “sweet spot” will probably get cheap auto insurance rates and will probably save when they switch companies.

Drivers who are not a match for these stringent criteria will probably have to pay higher prices which results in the customer not purchasing. If you listen closely, the ads state “customers that switch” not “all people who quote” can get the lowest rates when switching. That’s why insurance companies can claim big savings. This really illustrates why drivers must do a quote comparison often. Because without a comparison, you cannot know the company that will give you the biggest savings.

Cheap insurance coverage rates with discounts

Insurance coverage can be pricey, but you may find discounts that can drop the cost substantially. Some trigger automatically when you quote, but once in a while a discount must be specifically requested prior to receiving the credit.

  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Include Life Insurance and Save – Select insurance carriers reward you with lower rates if you buy life insurance.
  • Multi-policy Discount – When you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
  • Mature Driver Discount – Drivers that qualify as senior citizens may qualify for a discount up to 10% for Beetle coverage.
  • Resident Student – Children living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Telematics Discount – Insureds who allow their insurance coverage company to scrutinize their driving habits by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they show good driving skills.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Most cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

If you would like to choose from a list of insurers with discount rates, click here.

Tailor your car insurance coverage to you

When choosing the right insurance coverage, there is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.

  • Why am I required to get a high-risk car insurance policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Will my insurance pay for OEM parts?
  • Is my teen driver covered when they drive my company car?
  • Can I rate high risk drivers on liability-only vehicles?
  • What if I don’t agree with a claim settlement offer?
  • How much liability insurance is required?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered when driving someone else’s vehicle?
  • Is a fancy paint job covered?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Detailed coverages of your insurance policy

Learning about specific coverages of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types found on the average insurance policy.

Liability coverages

Liability insurance provides protection from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like medical services, emergency aid, structural damage and bail bonds. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Volkswagen Beetle.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from getting keyed, damage from a tornado or hurricane, fire damage, falling objects and a broken windshield. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for short-term medical expenses for things like chiropractic care, nursing services, surgery and hospital visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Auto collision coverage

This will pay to fix damage to your Beetle caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with another moving vehicle, backing into a parked car, rolling your car, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Save for a rainy day

Throughout this article, we presented many tips how you can lower your 2015 Volkswagen Beetle insurance premium rates. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers could even find that the most savings is with a small mutual company. Regional companies can often insure niche markets at a lower cost compared to the large companies like Progressive and Geico.

As you prepare to switch companies, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut full coverage to discover at claim time that they should have had better coverage. Your goal is to get the best coverage possible at the best cost, but don’t skip important coverages to save money.

Much more information about car insurance can be read on the following sites: