2018 Volkswagen Beetle Insurance Rates

Looking for lower insurance rates for your Volkswagen Beetle? Did you make the mistake of buying an expensive insurance policy? Believe me when I say many drivers feel the same as you.

Insurance companies such as State Farm, Geico and Farmers Insurance continually hit you with ads and it is difficult to sift through the bull and find the best price available.

The cheapest insurance

Most major insurance companies provide pricing on their websites. This process is quite easy because it’s just a matter of typing in your coverage information into the quote form. After you complete the form, the system sends out for credit information and your driving record and generates a price determined by many factors. This simplifies rate comparisons, but the process of having to visit many different websites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to get many rate quotes if you want to find a lower rate.

The smarter way to lower your insurance bill uses one form that gets price quotes from several companies at one time. It’s a real time-saver, requires much less work on your part, and makes quoting online much simpler. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any of the resulting price quotes. If you find a better price you can simply submit the application and purchase coverage. This process only takes a few minutes and could lower your rates considerably.

If you want to compare rates using this form now, click here and enter your information. To compare your current rates, we recommend you enter your coverages exactly as they are listed on your policy. This helps ensure you’re receiving comparison quotes using the same coverage and limits.

Discounts to earn affordable insurance rates

Companies do not advertise the complete list of policy discounts in an easy-to-find place, so we took the time to find a few of the more common in addition to some of the lesser obvious credits that may apply to you.

  • Save over 55 – Drivers over the age of 55 could receive lower premium rates on Beetle coverage.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you may earn up to 20% and get you inexpensive insurance.
  • Claim-Free Discount – Good drivers with no accidents can earn big discounts when compared to frequent claim filers.
  • Full Payment Discount – By paying your entire bill at once instead of making monthly payments you can avoid monthly service charges.
  • Good Drivers – Drivers who don’t get into accidents can save up to 40% or more on their insurance quote on Beetle coverage than drivers with accidents.
  • Seat Belt Discounts – Buckling up and requiring all passengers to buckle up can save a little off PIP or medical payments premium.
  • Multiple Cars – Purchasing coverage when you have multiple cars with one company can get a discount on all vehicles.

It’s important to understand that most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, that’s just not realistic.

Larger insurance companies and some of the discounts can be found below.

  • Progressive may have discounts that include good student, multi-policy, homeowner, online quote discount, online signing, and continuous coverage.
  • MetLife includes discounts for good driver, multi-policy, claim-free, good student, and defensive driver.
  • Mercury Insurance may offer discounts for low natural disaster claims, annual mileage, multi-car, accident-free, location of vehicle, professional/association, and good driver.
  • Nationwide offers premium reductions for good student, easy pay, Farm Bureau membership, anti-theft, multi-policy, business or organization, and accident-free.
  • Geico may include discounts for daytime running lights, military active duty, emergency military deployment, five-year accident-free, seat belt use, membership and employees, and defensive driver.
  • AAA discounts include education and occupation, good driver, good student, multi-policy, anti-theft, and AAA membership discount.

Before you buy a policy, ask all companies you are considering the best way to save money. Some discounts may not be offered in your area. If you would like to see a list of insurance companies with discount rates, follow this link.

Tailor your insurance coverage coverage to you

When buying adequate coverage, there isn’t really a best way to insure your cars. Every situation is different so your insurance should reflect that For instance, these questions might point out if your situation might need an agent’s assistance.

  • Does insurance cover damages from a DUI accident?
  • What is medical payments coverage?
  • How can I get high-risk coverage after a DUI?
  • Does my insurance cover a custom paint job?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered when using my vehicle for business?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Coverages available on your policy

Knowing the specifics of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by car insurance companies.

Collision insurance

Collision insurance pays for damage to your Beetle resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as scraping a guard rail, driving through your garage door, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills for things like ambulance fees, X-ray expenses and nursing services. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your 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 can be used in place of medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Volkswagen Beetle.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a bird, damage from a tornado or hurricane and vandalism. The most your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as legal defense fees, medical services, bail bonds, pain and suffering and attorney fees. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Quote more. Save more.

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at a price you can afford and still be able to protect your assets.

A few companies may not offer internet price quotes and most of the time these smaller companies work with independent insurance agencies. Cheaper car insurance can be purchased from both online companies and from local agencies, so you should be comparing quotes from both to get a complete price analysis.

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