How Much Does 2016 Volkswagen Beetle Convertible Car Insurance Cost?

Searching for cheaper insurance rates for your Volkswagen Beetle Convertible? I can’t think of a single person who loves paying for insurance, especially when they know their premiums are through the roof. Due to the fact that there are so many online and local companies to choose from, it can be diffult for drivers to pick the most cost effective insurance provider.

This information will help educate you on how to get online quotes and some tips to save money. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Drivers only need to know the tricks to shop over the internet.

Get lower rates by taking advantage of discounts

The price of auto insurance can be rather high, but you may qualify for discounts that could help you make your next renewal payment. Some discounts will apply when you quote, but occassionally some discounts must be asked for before being credited. If you aren’t receiving every discount you deserve, you may be paying too high a price.

• ABS Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive so you can save 10 percent or more.
• Discount for Passive Restraints – Factory air bags or automatic seat belts can qualify for discounts up to 30%.
• Senior Citizens – If you’re over the age of 55, you may receive a small decrease in premiums on Beetle Convertible insurance.
• Discounts for Federal Employees – Active or retired federal employment may qualify for a discount when you quote insurance coverage on Beetle Convertible insurance with some insurance companies.
• Active Service Discounts – Being deployed with a military unit may lower your premium rates slightly.

Discounts save money, but please remember that most discounts do not apply to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. So when it seems like adding up those discounts means a free policy, companies don’t profit that way.

Auto insurance companies that may offer most of the discounts above include:

• American Family
• Farm Bureau
• State Farm
• Travelers
• The Hartford
• Geico
• Progressive

It’s a good idea to ask each company or agent the best way to save money. A few discounts might not apply in your state.

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How much car insurance do I need?

When it comes to choosing adequate coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you may require specific advice.

• Where can I find high-risk insurance?
• Can I make deliveries for my home business?
• Am I covered when using my vehicle for business?
• Why do I only qualify for high-risk insurance?
• Can I rent a car in Mexico?
• Are rental cars covered under my policy?

If you can’t answer these questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

The insurance bait and switch

Drivers can’t avoid all the ads for cheaper insurance by Progressive, Geico, Allstate and State Farm. All the ads have a common claim that you’ll save big if you move your insurance policy to them.

But how can every company lower your car insurance rates? This is the way they can do it.

Insurance providers have a certain “appetite” for the type of customer that earns them the highest profit. For example, a driver they prefer might be between the ages of 30 and 45, has a clear driving record, and insures a new vehicle. A propective insured that fits those parameters receives the best premium rates and is almost guaranteed to save when they switch companies.

Potential insureds who cannot meet the “perfect” profile will get higher premiums and this results in business going elsewhere. The ads state “people that switch” not “everyone that quotes” save that much. That’s why insurance companies can confidently advertise the way they do.

Each company has different criteria, so you really should do a price quote comparison at every renewal. It is just not possible to predict the company that will have the lowest car insurance rates for your situation.

Educate yourself about insurance coverages

Knowing the specifics of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. These are typical coverage types found on the average insurance policy.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Volkswagen Beetle Convertible.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverages

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as theft, hitting a bird, damage from flooding, hail damage and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses for things like prosthetic devices, chiropractic care, hospital visits, rehabilitation expenses and nursing services. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability

Liability insurance provides protection from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as emergency aid, loss of income, court costs, pain and suffering and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Auto collision coverage

Collision coverage will pay to fix damage to your Beetle Convertible from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like hitting a parking meter, rolling your car, driving through your garage door, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

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You can do this!

More affordable insurance is available from both online companies as well as from independent agents, and you should be comparing both to have the best selection. There are still a few companies who may not offer online quoting and many times these small, regional companies only sell through local independent agencies.

In this article, we covered a lot of techniques to get a better price on 2016 Volkswagen Beetle Convertible insurance. It’s most important to understand that the more you quote insurance coverage, the better your comparison will be. You may be surprised to find that the best price on insurance is with the smaller companies. They can often insure niche markets at a lower cost compared to the large companies like Progressive and Geico.

More information is available below:

• Teen Driver Statistics (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)
• Rollover Crash FAQ (iihs.org)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Car Insurance: When not to Skimp (BankRate.com)

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