2017 Volkswagen Beetle Convertible Insurance Quotes

Want cheaper auto insurance rates for your Volkswagen Beetle Convertible? Nobody likes having to buy auto insurance, especially when they are aware that the price is too high.

There is such a variety of car insurance companies to pick from, and although it’s nice to have multiple companies, too many choices makes it more difficult to find the best rates.

Finding the best rates is quite easy. Basically, anyone who shops for insurance will more than likely be able to lower their premiums. But consumers must know the way companies sell insurance online and take advantage of how the system works.

Affordable insurance coverage quotes

The are a couple different ways to get quotes from local insurance coverage companies. The simplest method to find affordable Volkswagen Beetle Convertible insurance rates consists of obtaining rate quotes online. It’s really quite simple and can be done in several different ways.

  1. The single most time-saving way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This type of form eliminates the need for multiple quote forms for each company you want a rate for. A single form gets rate comparisons from multiple low-cost companies.
  2. A different way to find better pricing requires a trip to each company’s website and repeat the quote process again and again. For sake of this example, let’s say you need rates from Farmers, Progressive and Allstate. You would have to navigate to each company’s site and type in your information over and over, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The least efficient and most time consuming method to shop rates is to spend time driving to local insurance agencies. Shopping for insurance coverage online reduces the need to sit down with an agent unless you’re the type of person who wants the peace of mind that only an agent can give. You can, however, get prices online but have your policy serviced through an agent.

You can choose any of those ways to find more affodable coverage, but compare identical coverage information for every quote you compare. If you enter higher or lower deductibles it’s not possible to make a fair rate comparison. Quoting even small variations in limits can mean a large discrepancy in price. And when price shopping your coverage, comparing a wide range of rates increases your odds of finding lower pricing. Some smaller insurers to not give price estimates online, so it’s recommended that you also compare quotes from them, too.

Insurance quotes and discounts

Some insurance providers don’t always advertise every discount they offer very clearly, so the following list contains a few of the more common and the more hidden ways to save on insurance.

  • Professional Memberships – Having an affiliation with a qualifying organization may earn a discount on your next renewal.
  • Online Discount – Some larger companies may give you up to $50 for buying your policy digitally online.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you may save 10% to 20% off each policy.
  • Low Mileage – Fewer annual miles on your Volkswagen can earn lower insurancerates on the low mileage vehicles.
  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for reduced rates for Beetle Convertible coverage.
  • Data Collection Discounts – Drivers who elect to allow driving data collection to scrutinize when and where they use their vehicle remotely like Allstate’s Drivewise might see lower rates if their driving habits are good.
  • Include Life Insurance and Save – Some companies give a discounted rate on car insurance if you buy a life policy as well.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to use a seat belt can save 10% or more on the premium charged for medical payments and/or PIP.

Discounts save money, but please remember that most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A few of the larger companies and a selection of discounts are detailed below.

  • State Farm may include discounts for good student, accident-free, student away at school, Steer Clear safe driver discount, and driver’s education.
  • Geico has discounts for five-year accident-free, military active duty, daytime running lights, seat belt use, membership and employees, defensive driver, and federal employee.
  • Progressive may offer discounts for multi-policy, online quote discount, online signing, continuous coverage, good student, and homeowner.
  • 21st Century policyholders can earn discounts including homeowners, defensive driver, automatic seat belts, theft prevention, and early bird.
  • American Family offers discounts for accident-free, multi-vehicle, defensive driver, good driver, and bundled insurance.
  • The Hartford has savings for good student, anti-theft, defensive driver, air bag, and vehicle fuel type.
  • AAA offers premium reductions for pay-in-full, multi-car, education and occupation, anti-theft, and multi-policy.

Before buying, ask every insurance company how many discounts you can get. A few discounts may not be available in your area. If you would like to view providers with discount insurance rates, follow this link.

Situations that may require an agent’s advice

When buying the best insurance coverage, there really is not a cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether you may require specific advice.

  • Exactly who is provided coverage by my policy?
  • Am I covered when driving a rental car?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my 2017 Volkswagen Beetle Convertible qualify for pleasure use?
  • Am I covered when delivering products for my home-based business?
  • Which is better, split liability limits or combined limits?
  • When should I remove comp and collision on my 2017 Volkswagen Beetle Convertible?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Seven things that determine your insurance premiums

Consumers need to have an understanding of the rating factors that come into play when calculating the price you pay for car insurance. When consumers understand what determines premiums, this enables you to make decisions that can help you get better car insurance rates.

  • Your employer and car insurance rates – Occupations like lawyers, social workers and medical professionals generally pay higher premium rates in part from intense work requirements and lots of time spent away from family. On the other hand, occupations like scientists, students and performers have lower than average premiums for Beetle Convertible coverage.
  • Guys pay more for car insurance – Statistics show females are less aggressive when driving. However, this does not mean females are better drivers. Men and women get in accidents in similar numbers, but men get into accidents with more damage. Not only that, but men also get more serious tickets such as DWI and reckless driving. Male teenagers are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
  • Liability coverage is critical – The liability section of your policy is the protection if ever a court rules you are at fault for damages from an accident. Liability insurance provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so do not skimp.
  • Prices increase with policy add-ons – Insurance companies have many extra coverages that sound like a good idea at the time if you aren’t careful. Coverages for rental car coverage, better glass coverage, and additional equipment coverage are examples of these. The coverages may be enticing when you first buy your policy, but your money might be better spent on other coverage so eliminate them to save money.
  • Being married can lower premiums – Having a spouse may earn you lower rates when shopping for car insurance. Having a spouse generally demonstrates drivers are more mature than a single person and statistics prove married couples file fewer claims.
  • Where you live factors in – Residing in a rural area can be a good thing if you are looking for the lowest rates. Drivers who live in large cities tend to have more auto accidents and higher rates of accident claims. Lower population means less chance of accidents in addition to lower liability claims
  • Drive less and pay lower prices – The more miles you rack up on your Volkswagen in a year the more you’ll pay to insure it. Most companies apply a rate based on their usage. Vehicles that do not get driven very much cost less to insure than those that get driven frequently. It’s always a good idea to double check that your car insurance policy correctly shows the proper vehicle usage, because improper ratings can cost you money. Having the wrong rating on your Beetle Convertible can result in significantly higher rates.

Parts of your insurance policy

Having a good grasp of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

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

Liability insurance covers claims like medical expenses, loss of income and pain and suffering. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like falling objects, hitting a bird, damage from getting keyed and hitting a deer. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision protection

This covers damage to your Beetle Convertible from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a parking meter, colliding with a tree, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for bills such as nursing services, EMT expenses and rehabilitation expenses. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists 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 2017 Volkswagen Beetle Convertible.

Because many people 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.

Be a Smart Shopper

Throughout this article, we presented many ideas to compare 2017 Volkswagen Beetle Convertible insurance car insurance rates online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest car insurance rates are with a small local company. They can often provide lower premium rates in certain areas compared to the large companies like State Farm or Progressive.

Cheaper 2017 Volkswagen Beetle Convertible insurance is available from both online companies and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who do not provide rates over the internet and usually these smaller companies sell through independent insurance agencies.

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. Too many times, someone dropped collision coverage only to regret at claim time they didn’t have enough coverage. Your objective should be to find the BEST coverage at an affordable rate, but don’t skip important coverages to save money.

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