2018 Volkswagen Beetle Convertible Car Insurance Quotes – 7 Tips for Best Rates

Are you drained from robbing Peter to pay Paul to insure your Volkswagen every month? You have the same problem as many other drivers.

Lots of car insurance companies contend for your business, and because of this it can be hard to compare insurance companies to discover the definitive best price available.

If you currently have car insurance, you should be able to cut costs considerably using this strategy. Buying car insurance is not rocket science. But car owners can benefit from knowing the way insurance companies determine prices because it can help you find the best coverage.

Drivers can save with these seven money-saving discounts

Car insurance companies do not list all their discounts very clearly, so the next list breaks down both the well known as well as some of the hidden discounts that you may qualify for.

  • Distant Student – Kids who attend college more than 100 miles from home and do not take a car to college may be insured at a cheaper rate.
  • Student Discounts – Excelling in school can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Full Payment Discount – By making one initial payment instead of monthly or quarterly installments you can actually save on your bill.
  • Own a Home and Save – Simply owning a home may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Discount for Low Mileage – Driving fewer miles may allow you to get slightly better rates than normal.
  • Online Discount – Many larger companies provide a small discount for signing up on the internet.
  • Save with a New Car – Buying a new car model can save you some money since new model year vehicles have better safety ratings.

One thing to note about discounts is that most credits do not apply to the entire policy premium. Most only cut specific coverage prices like liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, you’re out of luck.

For a list of insurance companies who offer insurance discounts, follow this link.

How to buy car insurance

There are several ways to compare quotes from many different insurance companies. The fastest way to find competitive Volkswagen Beetle Convertible insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished in several different ways.

  • The most efficient way to find low rates is a comparison rater form click to view form in new window. This easy form keeps you from doing separate forms for every prospective company. Completing one form gets rate comparisons from multiple companies.
  • A less efficient way to get quotes online requires you to visit the website of each company and fill out a new quote form. For sake of this example, we’ll pretend you want comparison quotes from Liberty Mutual, Farmers and GMAC. To do that, you would have to take the time to go to each site to enter the same coverage data repeatedly, which can get old fast. For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just make absolute certain that you use identical coverages for each comparison quote. If you use different liability limits you will not be able to make an equal comparison. Even a minor difference in insurance coverages or limits can mean a large discrepancy in price. And when comparison shopping, comparing a wide range of rates provides better odds of finding a lower rate.

Do I need special coverages?

When it comes to choosing adequate coverage, there really is not a one size fits all plan. Every situation is different and your policy should reflect that. For instance, these questions may help highlight whether or not you would benefit from an agent’s advice.

  • What discounts do I qualify for?
  • Am I covered if I crash into my own garage door?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Can I afford to buy a different vehicle if my 2018 Volkswagen Beetle Convertible is totaled?
  • Can I afford low physical damage deductibles?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Don’t listen to company ads

Insurance coverage providers like Allstate, Geico and Progressive seem to constantly run ads on television and other media. All the companies say the same thing about savings if you just switch to their company. How is it possible that every company can say the same thing?

Many companies have a certain “appetite” for a prospective insured that earns them the most money. A good example of a desirable insured may be between 30 and 50, has no tickets, and has a short commute. Any new insured that meets those criteria will qualify for the lowest premium rates and have a good chance to cut their rates if they switch.

Drivers who are not a match for these criteria will have to pay a higher premium with the end result being the customer buying from someone else. If you listen closely, the ads state “customers that switch” not “everybody who quotes” save that much when switching. This is how insurance companies can confidently make the claims of big savings.

Different companies use different criteria so you absolutely need to compare as many free insurance coverage quotes as you can. It’s just too difficult to predict which insurance coverage company will fit you best based on your risk profile.

Specific coverage details

Learning about specific coverages of car insurance can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverage types found on most car insurance policies.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses for things like hospital visits, surgery, doctor visits and pain medications. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

Collision coverage covers damage to your Beetle Convertible resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a mailbox, crashing into a building, hitting a parking meter, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Liability coverage

This protects you from injuries or damage you cause to other people or property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for 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. Your policy might show values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like pain and suffering, loss of income, funeral expenses and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Volkswagen Beetle Convertible.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, theft, damage from flooding and vandalism. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Save for a rainy day

Low-cost 2018 Volkswagen Beetle Convertible insurance can be sourced on the web in addition to local insurance agencies, and you should be comparing both to have the best chance of lowering rates. Some companies do not offer rates over the internet and these smaller companies only sell through independent agencies.

Throughout this article, we presented some good ideas how you can compare 2018 Volkswagen Beetle Convertible insurance car insurance rates online. The most important thing to understand is the more times you quote, the better your chances of lowering your premium rates. You may even find the lowest car insurance rates come from a small mutual company. These smaller insurers may only write in your state and offer lower premium rates compared to the large companies like Allstate and Progressive.

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