How Much Does 2014 Volkswagen Beetle Convertible Insurance Cost?

Searching for better insurance coverage rates for your Volkswagen Beetle Convertible? Being forced to pay for pricey insurance coverage premiums can sap your checking account and make it hard to pay other bills. Getting a rate comparison is a fast and free way to reduce premiums and put more money in your pocket.

People have many insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, more options can take longer to compare company pricing.

Shopping for affordable auto insurance coverage is not that difficult. Basically, every driver who has to buy auto insurance will more than likely be able to reduce their rates. Although vehicle owners do need to know the way insurance companies price insurance differently and take advantage of how the system works.

Car Insurance Discounts

Car insurance is neither fun to buy or cheap, but there are discounts available that can help lower your rates. Some discounts will apply at the time of quoting, but some must be requested specifically in order for you to get them.

• Cautious Driver Discounts – Accident-free drivers can save as much as half off their rates on Beetle Convertible insurance than less cautious drivers.
• Multi-car Discount – Insuring more than one vehicle with the same company qualifies for this discount.
• Student Discounts – Getting good grades can get you a discount of up to 25%. The discount lasts up until you turn 25.
• No Charge for an Accident – This one isn’t a discount, but certain companies may permit one accident without getting socked with a rate hike as long as you don’t have any claims for a particular time prior to the accident.
• Senior Citizens – Seniors are able to get a slight reduction on a car insurance quote on Beetle Convertible insurance.
• Accident-Free Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote compared to drivers who are more careless.
• Drive Less and Save – Low annual miles can earn lower car insurancerates on the low mileage vehicles.
• Theft Deterent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and will save you 10% or more.
• Defensive Driver Discount – Successfully completing a defensive driving course is a good idea and can lower rates and easily recoup the cost of the course.
• Driver’s Ed – Require your teen driver to sucessfully take a drivers education course in school.

It’s important to understand that most discount credits are not given the the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates you can get free auto insurance, you aren’t that lucky.

Some companies that may offer most of the discounts above include:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

If you want inexpensive car insurance quotes, ask each company or agent what discounts are available to you. All car insurance discounts might not be available to policyholders in your area. If you would like to view car insurance companies that offer the discounts shown above, click here.

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Compare insurance coverage price quotes online

The majority of larger companies make it easy to get prices on the web. Comparing rates online is very simple as you just type in the coverages you want on the page. After the form is submitted, their rating system orders your driving and credit reports and gives you a price quote based on these factors. Online price quotes simplifies rate comparisons, but having to visit multiple sites and type in the same information can be a bit repetitive. Unfortunately, it is important to compare as many rates as possible if you are searching for a better rate.

There is a better way to compare rates

The quickest way to find lower prices uses one simple form to return rates from many companies. It saves time, reduces the work, and makes online price comparison much easier to do. After your information is entered, it is quoted with multiple companies and you can pick your choice of the returned quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The whole process only takes a few minutes and may save quite a bit of money.

To save time and use this form to compare rates, simply click here to open in new window and fill out the form. If you have coverage now, it’s recommended you replicate coverages and limits as close as possible to your current policy. This makes sure you will have rate quotes using the same coverage and limits.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there is no best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether your personal situation might need professional guidance.

• Can my teen driver be rated on a liability-only vehicle?
• Do I have any recourse if my insurance company denies a claim?
• Should I have combined single limit or split liability limits?
• What can I do if my company denied a claim?
• Are all vehicle passengers covered by medical payments coverage?
• What is the rate difference between pleasure use and commuting?
• Is my state a no-fault state?

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

Car insurance coverages and their meanings

Knowing the specifics of a car insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types offered by car insurance companies.

Collision coverage protection

This will pay to fix damage to your Beetle Convertible resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with a tree, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like vandalism, hitting a deer, damage from flooding and fire damage. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills for rehabilitation expenses, chiropractic care, doctor visits and surgery. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Volkswagen Beetle Convertible.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability auto insurance

This will cover injuries or damage you cause to a person or their property by causing an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for claims such as emergency aid, repair bills for other people’s vehicles, medical expenses and pain and suffering. How much liability should you purchase? That is your choice, but buy higher limits if possible.

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Be a money saver!

In this article, we presented a lot of tips how to get a better price on 2014 Volkswagen Beetle Convertible insurance. The most important thing to understand is the more times you quote, the better your comparison will be. Drivers may discover the best price on insurance is with a small mutual company. Regional companies may have significantly lower rates on certain market segments compared to the large companies like Geico and State Farm.

As you go through the steps to switch your coverage, make sure you don’t reduce needed coverages to save money. In too many instances, an insured dropped liability coverage limits and discovered at claim time they didn’t purchase enough coverage. Your focus should be to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.

Even more information can be found by following these links:

• Neck Injury FAQ (iihs.org)
• Auto Insurance 101 (About.com)
• Electronic Stability Control FAQ (iihs.org)
• Insuring a Leased Car (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Vehicle Size and Weight FAQ (iihs.org)

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