2015 Volkswagen Beetle Insurance Rates – 7 Tips to Save

Getting more affordable auto insurance on the internet may be intimidating for consumers who are beginners to quoting and comparing rates and buying auto insurance on the web. With so many options of insurers available, how can consumers have a chance to compare every company in order to find the best available price?

Consumers should take time to get comparison quotes periodically because insurance rates are variable and change quite frequently. If you had the lowest rate on Beetle insurance a couple years back a different company probably has better prices today. Ignore everything you know about auto insurance because we’re going to show you the best way to remove unneeded coverages and save money.

If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these techniques. The purpose of this article is to instruct you on the best way to quote coverages. But vehicle owners need to have an understanding of the methods companies use to sell online because it can help you find the best coverage.

Cheaper rates by getting these seven discounts

Insurance coverage is expensive, but there may be some discounts that could drop your premiums quite a bit. Some trigger automatically at quote time, but once in a while a discount must be manually applied prior to getting the savings.

• Data Collection Discounts – Insureds who allow companies to look at driving manner by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they are good drivers.
• Accident Free – Claim-free drivers are rewarded with significantly better rates on car insurance quote when compared to bad drivers.
• Bundle and Save – If you combine your homeowners and auto policies and insure them with the same company you could save at least 10 to 15 percent or more.
• Air Bags and Passive Restraints – Cars that have air bags or motorized seat belts may earn rate discounts of more than 20%.
• Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Beetle insurance than drivers with accidents.
• Smart Student Discounts – Maintaining excellent grades may save as much as 25% on a car insurance quote. Most companies allow this discount up until you turn 25.
• Switch and Save Discount – A few larger companies give discounts for switching to them prior to your current policy expiring. Ten percent is about the average savings.

One last thing about discounts, many deductions do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, you’re out of luck.

Companies and their offered discounts include:

• State Farm may offer discounts for student away at school, multiple policy, Drive Safe & Save, accident-free, and good driver.
• Geico offers premium reductions for multi-vehicle, emergency military deployment, good student, membership and employees, driver training, and air bags.
• Allstate policyholders can earn discounts including anti-theft, new car, passive restraint, utility vehicle, and teenSMART discount.
• SAFECO may include discounts for accident prevention training, drive less, anti-lock brakes, safe driver, teen safety rewards, and teen safe driver.
• Farm Bureau discounts include multi-vehicle, 55 and retired, good student, multi-policy, and renewal discount.
• Progressive may have discounts that include online signing, homeowner, multi-vehicle, good student, and online quote discount.
• AAA has savings for multi-car, education and occupation, good student, AAA membership discount, and multi-policy.

Before purchasing a policy, check with every prospective company which discounts can lower your rates. Discounts might not apply in your area.

The quickest way to compare car insurance rates is to realize almost all companies actually pay money for the chance to provide you with free rate quotes. All consumers are required to do is give the companies some data including whether the vehicles are used for commuting, how much education you have, the ages of drivers, and if it has an anti-theft system. That rating information is instantly sent to multiple different insurance companies and you receive quotes instantly.

If you would like to compare rates now, click here and enter your zip code.

Your insurance coverage should be tailored to you

When it comes to buying coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different.

For example, these questions can help discover if your insurance needs may require specific advice.

• How can I get high-risk coverage after a DUI?
• When should I not file a claim?
• Can I afford low physical damage deductibles?
• Is my babysitter covered when using my vehicle?
• Where can I find high-risk insurance?
• Do I need an umbrella policy?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Learn about auto insurance coverages for a Volkswagen Beetle

Learning about specific coverages of your policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Coverage for collisions

Collision insurance pays for damage to your Beetle caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Volkswagen Beetle.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability car insurance

Liability insurance will cover damage that occurs to people or other property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as emergency aid, loss of income, repair bills for other people’s vehicles, attorney fees and medical expenses. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, damage from a tornado or hurricane and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for expenses such as rehabilitation expenses, chiropractic care and EMT expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

In Summary

Throughout this article, we presented a lot of tips how to shop for 2015 Volkswagen Beetle insurance online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the best price on insurance coverage is with the least-expected company.

People leave their current company for many reasons like unfair underwriting practices, questionable increases in premium, extreme rates for teen drivers and poor customer service. It doesn’t matter why you want to switch switching insurance coverage companies is easier than you think.

Some insurance providers may not offer price quotes online and many times these smaller providers provide coverage only through local independent agents. More affordable insurance coverage is possible online and from local agencies, so you need to compare both to have the best rate selection.

Additional insurance coverage information can be found at the links below

• Collision Insurance Coverage (Nationwide)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• Airbag FAQ (iihs.org)