Cheap 2016 Volkswagen Beetle Insurance Cost

Buyers have a choice when searching for the best price on Volkswagen Beetle insurance. They can either spend hours driving around trying to get quotes or use the internet to make rate comparisons.

There are more efficient ways to find insurance coverage online so we’re going to tell you the absolute fastest way to quote coverages for a new or used Volkswagen and find the lowest price from both online companies and local agents.

Consumers need to take a look at other company’s rates quite often because insurance coverage prices go up and down regularly. Even if you got the best price on Beetle coverage two years ago there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about insurance coverage because you’re about to find out the easiest way to find great coverage at a great price.

These discounts can reduce insurance rates

Insuring your fleet can be pricey, but there may be some discounts to help offset the cost. Some discounts apply automatically at quote time, but some need to be manually applied prior to receiving the credit.

• Homeowners Savings – Being a homeowner may earn you a small savings because it is proof of financial responsibility.
• Multiple Vehicles – Purchasing coverage when you have more than one vehicle on the same insurance policy can reduce rates for all insured vehicles.
• Passenger Safety Discount – Cars that have air bags or automatic seat belts may get savings of 20% or more.
• New Car Discount – Buying insurance on a new vehicle can get you a discount because new model year vehicles keep occupants safer.
• Switch and Save Discount – Some insurance companies give discounts for switching to them prior to your current policy expiration. This can save 10% or more.
• Bundled Policy Discount – When you combine your homeowners and auto insurance with one insurance company you will save at least 10% off all policies.
• Pay Early and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may have a lower total premium amount.
• Accident Free – Drivers who don’t have accidents can earn big discounts when compared to accident-prone drivers.

Consumers should know that some credits don’t apply to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, it’s just not the way it works.

A few companies that may include some of the above discounts may include but are not limited to:

• Geico
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

Before purchasing a policy, check with every prospective company which discounts can lower your rates. Some credits might not be offered in your area. If you would like to view insurance companies that offer multiple discounts, follow this link.

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Buy insurance coverage online

There are several ways to compare insurance coverage prices and some are less time-consuming than others. You could waste time talking about coverages with insurance agencies in your area, or you can stay home and use the web to get the quickest rates.

Many popular insurance companies enroll in a system that allows shoppers to submit their information once, and each company provides a quote based on the submitted data. This prevents consumers from doing form submissions to each company.

To access this free quoting program, click to open in new window.

The only downside to doing it this way is you don’t know exactly which carriers you want to price. If you would rather choose individual companies to compare rates, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

The approach you take is up to you, just be sure you’re using identical coverages on every quote. If your comparisons have differing limits it will be next to impossible to determine the best price for your Volkswagen Beetle.

When do I need an agent’s advice?

When it comes to buying proper insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine if your situation would benefit from an agent’s advice.

• Does my insurance cover my expensive audio equipment?
• Will I be non-renewed for getting a DUI or other conviction?
• Can I afford to buy a different vehicle if my 2016 Volkswagen Beetle is totaled?
• Is my teenager covered with friends in the car?
• Do I need an umbrella policy?
• Should I have combined single limit or split liability limits?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Learn about auto insurance coverages for a Volkswagen Beetle

Knowing the specifics of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, crashing into a building, scraping a guard rail, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as prosthetic devices, pain medications and nursing services. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Volkswagen Beetle.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto liability insurance

This provides protection from injuries or damage you cause to other’s property or people in an accident. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for things like medical expenses, repair costs for stationary objects, structural damage and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive protection

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, damage from flooding, vandalism, theft and a broken windshield. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

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A little work can save a LOT of money

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. There have been many cases where consumers will sacrifice liability limits or collision coverage to discover at claim time that it was a big mistake. The proper strategy is to buy a smart amount of coverage at an affordable rate and still be able to protect your assets.

We just showed you a lot of techniques to lower your 2016 Volkswagen Beetle insurance prices. The key thing to remember is the more times you quote, the better chance you’ll have of finding low cost insurance coverage. Consumers could even find that the biggest savings come from some of the lesser-known companies.

Budget-conscious 2016 Volkswagen Beetle insurance is definitely available both online and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get quotes online and many times these small insurance companies only sell coverage through independent agencies.

More detailed insurance information is available at these sites:

• Speed and Speed Limit FAQ (iihs.org)
• Child Safety Seats (Insurance Information Insitute)
• Older Drivers FAQ (iihs.org)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• Rental Reimbursement Coverage (Allstate)

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