Cheap 2013 Volkswagen Beetle Car Insurance Quotes

Looking for cheaper insurance rates for your Volkswagen Beetle? Nobody anticipates paying for insurance, in particular when the cost is way too high. Popular companies such as Progressive, State Farm and Geico continually bombard you with ad campaigns and it is challenging if not impossible to see through the cute green geckos and mayhem and find the best price available.

If you have insurance now or need new coverage, you can use these techniques to get lower rates and possibly find even better coverage. Choosing the best insurance company for you is not rocket science. Consumers just need to understand how to shop their coverage around online.

Auto insurance quotes comparison

Most of the larger companies allow you to get coverage prices directly from their websites. Getting prices online doesn’t take much effort because it’s just a matter of typing in the amount of coverage you want on the page. Upon sending the form, their rating system pulls information on your driving record and credit history and generates a price based on the information you submitted. Online quotes makes it a lot easier to compare rates but having to visit multiple sites and type in the same information is a waste of time. But it’s also necessary to get many rate quotes if you want to get lower prices.

An easier way to get multiple rate quotes makes use of a single form that analyzes rates from more than one company. It saves time, reduces the work, and makes online shopping much simpler. Once the form is submitted, your coverage is rated with multiple companies and you can pick any one of the resulting price quotes.

If the quotes result in lower rates, you can simply submit the application and purchase coverage. It can be completed in a matter of minutes and could lower your rates considerably.

To save time and get comparison pricing now, click here and fill out the form. If you have coverage now, it’s recommended you complete the form with the coverage information as shown on your current policy. This way, you’re receiving a price comparison based on similar coverages.

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Do you qualify for discount insurance coverage?

The cost of insuring your cars can be expensive, but you may qualify for discounts that may help make it more affordable. Some of these disounts will be visible when you get a quote, but a few must be inquired about before you will receive the discount.

• Multi-policy Discount – If you can combine your auto and homeowners policy with the same company you may earn 10% to 20% off each policy.
• Save over 55 – Drivers over the age of 55 can get a slight reduction on a insurance coverage quote for Beetle coverage.
• Save with More Vehicles Insured – Drivers who insure more than one vehicle with the same company could earn a price break for each car.
• One Accident Forgiven – Not necessarily a discount, but companies like Geico, State Farm, and Progressive will forgive one accident without raising rates so long as you are claim-free before the accident.
• Defensive Driving Course – Passing a course teaching safe driver skills could possibly earn you a 5% discount if you qualify.
• Responsible Driver Discounts – Drivers without accidents can get discounts for up to 45% lower rates for Beetle coverage compared to accident prone drivers.
• Safety Restraint Discount – Drivers who require all vehicle occupants to buckle up could save 15% off the personal injury premium cost.
• Theft Deterent – Cars, trucks, and SUVs equipped with anti-theft or alarm systems help deter theft and will qualify for a discount on a insurance coverage quote.
• Government Employees – Active or retired federal employment could qualify for a slight premium decrease for Beetle coverage with certain companies.

A little note about advertised discounts, most discounts do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. But all discounts will bring down the cost of your policy.

To see a list of companies who offer insurance coverage discounts, follow this link.

What insurance coverages do I need?

When it comes to buying the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions could help you determine if your insurance needs could use an agent’s help.

• Am I covered if I crash into my own garage door?
• Is my 2013 Volkswagen Beetle covered for smoke damage?
• Should I put collision coverage on all my vehicles?
• Are all vehicle passengers covered by medical payments coverage?
• When should I not file a claim?
• Is my ex-spouse still covered by my policy?
• Can I drive in Mexico and have coverage?

If you can’t answer these questions but one or more may apply to you, 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 or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Educated choices result in lower insurance prices

When buying car insurance it’s important to understand the different types of things that help calculate your premiums. If you know what impacts premium levels, this empowers consumers to make smart changes that can earn you cheaper rates.

• If you don’t need it don’t buy it – There are a lot of extra coverages that may not really be needed when buying car insurance. Coverages for personal injury protection, towing coverage, and motor club memberships may be wasting your money. They may seem like a good idea when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
• Always keep your coverage in place – Going without insurance is a sure-fire way to bump up your car insurance costs. Not only will you pay higher rates, not being able to provide proof of insurance may result in a hefty fine and possibly a revoked license. You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
• Save money by staying claim free – Car insurance companies generally give cheaper rates to people who only file infrequent claims. If you are the type of insured that files lots of claims you can expect much higher rates or policy non-renewal. Your insurance policy is meant to be used in the event of more catestrophic claims.
• Safer vehicles cost less to insure – Safe vehicles get lower rates. Safe vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries means lower claim amounts and lower rates for you. If the Volkswagen Beetle earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
• Rates impacted by your city – Choosing to live in a small town may provide you with better prices when buying car insurance. Urban drivers have congested traffic and more time behind the wheel. Fewer people means a lower chance of having an accident in addition to lower liability claims
• Occupation stress can affect rates – Occupational choices like lawyers, executives and miners tend to have the highest rates because of job stress and long work days. Other professions such as professors, athletes and the unemployed generally pay rates lower than average for Beetle coverage.
• Having a spouse is a good thing – Walking down the aisle may save some money when buying car insurance. It demonstrates that you tend to be more mature and responsible and insurance companies like that drivers who are married file infrequent claims.

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But they said I’d save $400 a year!

Consumers constantly see and hear ads for cheaper insurance coverage from companies such as Progressive, Allstate and Geico. All the companies say the same thing that drivers will save a bundle after switching your coverage to them.

How can each company charge lower premium rates? It’s all in the numbers.

Different companies have a certain “appetite” for the right customer they prefer to insure. For instance, a profitable insured may need to be between the ages of 30 and 50, insures multiple vehicles, and drives a lower-performance vehicle. A customer getting a price quote that matches those criteria will get low prices and will save money with a new company.

Insureds who don’t meet this stringent profile may be forced to pay higher premiums and ends up with business going elsewhere. The ads state “customers who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can advertise the way they do.

Because of the profiling, you really should get a wide range of price quotes. It is just not possible to predict which insurance coverage company will fit your personal profile best.

Coverages available on your policy

Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy. These are typical coverages found on most car insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your 2013 Volkswagen Beetle.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are set the same as your liablity limits.

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as driving through your garage door, backing into a parked car, hitting a mailbox, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

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

Comprehensive can pay for claims like hitting a bird, theft and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages

Liability coverage protects you from injuries or damage you cause to other’s property or people in 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, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like structural damage, repair costs for stationary objects, bail bonds, legal defense fees and attorney fees. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills for prosthetic devices, funeral costs, surgery, dental work and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

More comparisons equals lower rates

We’ve covered some good ideas how you can compare 2013 Volkswagen Beetle insurance car insurance rates online. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the biggest savings come from a lesser-known regional company. Smaller companies may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

As you prepare to switch companies, never reduce coverage to reduce premium. There are many occasions where an accident victim reduced collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at the best possible price, but don’t skip important coverages to save money.

More detailed auto insurance information can be read in the articles below:

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Child Safety FAQ (iihs.org)
• Understanding Car Crashes Video (iihs.org)

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