Lower Your 2014 Volkswagen Beetle Insurance Quotes

Trying to find cheaper car insurance rates? Buyers have a choice when searching for affordable Volkswagen Beetle insurance. They can either waste time calling around getting price quotes or use the internet to make rate comparisons. There are both good and bad ways to buy car insurance so we’re going to tell you the proper way to quote coverages for a new or used Volkswagen and find the best price possible either online or from local insurance agents.

It’s a great practice to shop coverage around before your next renewal because rates are rarely the same from one policy term to another. Despite the fact that you may have had the best premium rates for Beetle coverage a couple years back you may be paying too much now. Ignore everything you know about car insurance because I’m going to teach you one of the best ways to remove unneeded coverages and save money.

The easiest way to compare car insurance rates is to know all the major auto insurance companies pay for the opportunity to give free rates quotes. To start a quote, the only thing you need to do is provide details like the make and model of your vehicles, your general credit rating, whether your vehicle is owned or leased, and what your job is. The rating information is automatically sent to multiple insurance coverage providers and they respond with quotes almost instantly.

Affordable insurance coverage rates with discounts

Some providers do not advertise all disounts very clearly, so the following is a list of some of the more common and the harder-to-find credits that you can use to lower your rates. If you are not receiving all the discounts available, you are throwing money away.

• Military Rewards – Being deployed with a military unit could qualify you for better insurance coverage rates.
• Multiple Vehicles – Buying insurance for primary and secondary vehicles with the same insurance coverage company can get a discount for every vehicle.
• ABS Braking Discount – Cars and trucks that have steering control and anti-lock brakes can avoid accidents and the ABS can save up to 10%.
• Bundled Policy Discount – If you have multiple policies with the same company you may save as much as 10 to 15 percent.
• Passive Restraints – Options like air bags or automatic seat belts may earn rate discounts of more than 20%.
• Pay Now and Pay Less – If paying your policy premium upfront rather than paying in monthly installments you could save 5% or more.
• Membership in Organizations – Belonging to a civic or occupational organization is a good way to get lower rates when shopping for insurance coverage.
• Telematics Data Discounts – Drivers that enable their company to study driving habits through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks as long as they are good drivers.

A little disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. Even though it appears adding up those discounts means a free policy, it just doesn’t work that way.

To find insurance coverage companies that provide some of the discounts listed above, click this link.

Tailor your auto insurance coverage to you

When it comes to choosing adequate coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out whether or not you might need professional guidance.

• Does liability extend to a camper or trailer?
• At what point should I drop full coverage?
• What is the minimum liability in my state?
• How can I get high-risk coverage after a DUI?
• Why am I required to buy high-risk coverage?
• Is there coverage for injuries to my pets?
• Should I sign the liability waiver when renting a car?
• Can I get a multi-policy discount?
• What happens if I owe more than my 2014 Volkswagen Beetle is worth?
• Do I need higher collision deductibles?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Coverage specifics

Learning about specific coverages of insurance aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like rehabilitation expenses, X-ray expenses, pain medications, chiropractic care and surgery. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants 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 your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Auto liability

This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like structural damage, bail bonds and medical services. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding 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 things such as sustaining damage from a pot hole, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like theft, falling objects, damage from getting keyed, fire damage and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

More comparisons equals lower rates

Insureds change insurance companies for many reasons like unfair underwriting practices, delays in responding to claim requests, high rates after DUI convictions and an unsatisfactory settlement offer. No matter why you want to switch, finding a great new company can be pretty painless.

We just presented some good ideas how you can shop for 2014 Volkswagen Beetle insurance online. The most important thing to understand is the more providers you compare, the higher your chance of finding low cost car insurance. Drivers may discover the best prices are with a small mutual company.

Budget-friendly insurance can be found from both online companies in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money. A few companies may not offer online rate quotes and these small insurance companies provide coverage only through independent agents.

Additional articles

• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• Shopping for a Safe Car (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)