Cheaper 2017 Volkswagen Beetle Insurance Rates

Looking for better insurance rates for your Volkswagen Beetle? Buying budget-priced insurance may be somewhat intimidating for vehicle owners new to shopping for insurance over the internet. With so many companies competing online, how are we expected to have the ability to compare the different rates to find the cheapest rates?

Where can I get the cheapest insurance?

To get low cost car insurance quotes, there a variety of ways to obtain and compare prices from companies that offer insurance in your state. The recommended way to compare 2017 Volkswagen Beetle insurance prices consists of shopping online. It is quite easy and can be accomplished by using one of the methods below.

  1. One of the fastest ways to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This form prevents you from having to do separate quotes for each price estimate. A single, simple form compares rates instantly.It’s the quickest way to get rates.
  2. A more difficult way to compare prices requires a trip to each individual company website and fill out their own quote form. For example, we’ll pretend you want rates from USAA, Geico and American Family. You would have to spend time going to each site individually and type in your information over and over, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.
  3. The last way to comparison shop rate quotes to and from local insurance agencies. Comparing online rate quotes has made agencies unnecessary unless you want the trained guidance of a local agency. Drivers can comparison shop your insurance online and get advice from an agent in your area.

The method you choose is up to you, but ensure you’re using the exact same coverages and limits with each company. If you are comparing differing limits it will be impossible to find the best deal for your Volkswagen Beetle. Slightly different limits could skew the results. Just remember that quoting more helps increase your odds of locating a better price.

Verify you’re applying every discount

Some insurance providers don’t list the complete list of policy discounts in a way that’s easy to find, so we break down some of the more common and the more hidden discounts you could be receiving when you buy car insurance online.

  • More Vehicles More Savings – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
  • No Claims – Insureds who avoid accidents and claims pay much less in comparison with bad drivers.
  • Anti-theft Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
  • Low Mileage Discounts – Driving less could be rewarded with better premium rates on cars that stay parked.
  • Discount for Passive Restraints – Vehicles equipped with air bags may earn rate discounts of 20 to 30 percent.
  • Distant Student – Children who are enrolled in higher education away from home and leave their car at home can receive lower rates.

Please keep in mind that some credits don’t apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comp or med pay. Even though it appears you can get free auto insurance, insurance companies aren’t that generous.

To view companies who offer insurance discounts, click this link.

When should I discuss my situation with an agent?

When it comes to buying proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions may help you determine whether you might need an agent’s assistance.

  • Am I better off with higher deductibles on my 2017 Volkswagen Beetle?
  • Is a blown tire covered by insurance?
  • Do I need PIP coverage since I have good health insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • I don’t drive much so do I pay less?
  • Can I get a multi-policy discount?
  • How much liability do I need to cover my assets?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does coverage extend to a rental car in a foreign country?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Specific coverage details

Learning about specific coverages of insurance can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, fire damage, damage from getting keyed, hitting a deer and vandalism. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Volkswagen Beetle.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like X-ray expenses, prosthetic devices and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like scraping a guard rail, hitting a parking meter, crashing into a building, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Liability auto insurance

This coverage provides protection from damages or injuries you inflict on a person or their property. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like court costs, funeral expenses, medical expenses, attorney fees and bail bonds. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Be a smart shopper

Drivers switch companies for many reasons like unfair underwriting practices, extreme rates for teen drivers, questionable increases in premium or an unsatisfactory settlement offer. It doesn’t matter what your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

We just showed you many tips how you can get a better price on 2017 Volkswagen Beetle insurance. The key concept to understand is the more times you quote, the better your comparison will be. You may even discover the biggest savings come from a smaller regional carrier.

When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy the best coverage you can find for the lowest price, but do not skimp to save money.

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