Save on 2018 Volkswagen Beetle Insurance Quotes

Consumers have a choice when looking for the best price on Volkswagen Beetle insurance. You can either waste hours contacting agents getting price quotes or use the internet to compare rates. There is a better way to shop for car insurance so you’re going to learn the quickest way to price shop coverage on a Volkswagen and find the cheapest rates from local insurance agents and online providers.

How to shop insurance online

Most larger insurance companies such as Allstate and Progressive provide insurance quotes on the web. Obtaining pricing is fairly straightforward as you simply type in your coverage information on the page. Upon sending the form, the system gets your driving record and credit report and gives you a price quote based on these and other factors.

This streamlines rate comparisons, but the process of having to visit many different websites and fill out multiple forms is repetitive and time-consuming. But it’s very important to perform this step if you want to get the best price on insurance.

A better way to find better insurance pricing requires only one form to obtain quotes from several companies at one time. The form is fast, helps eliminate reptitive entry, and makes comparison shopping much easier. As soon as you send your information, your coverage is rated and you can choose your choice of the quotes returned. If a lower price is quoted, you simply finish the application and purchase the new policy. The whole process takes 15 minutes at the most and can result in significant savings.

To find out what other companies charge, simply click here to open in new window and submit the form. If you have coverage now, it’s recommended you complete the form with the insurance coverages as shown on your current policy. Using the same limits helps guarantee you will have comparison quotes based on similar coverages.

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Four tips to get cheap insurance prices

Part of the insurance buying process is learning some of the factors that help determine the level of your policy premiums. When consumers understand what influences your rates, this enables you to make decisions that can help you get better insurance rates. Many factors are part of the equation when premium rates are determined. A few of the factors are predictable like your driving record, but other factors are more obscure like your vehicle usage or your commute time.

The factors shown below are some of the most common factors used by your company to calculate premiums.

• Drive fewer miles and save – The higher the mileage driven every year the more it will cost to insure it. A lot of insurance companies charge to insure your cars based upon how the vehicle is primarily used. Cars that sit idle most of the time cost less to insure than those used for commuting. Improper usage on your Beetle can result in significantly higher rates. Ask your agent if your vehicle rating properly reflects annual mileage.
• Accidents can be expensive – Having a clean driving record impacts your car insurance rates tremendously. Good drivers pay lower auto insurance prices compared to drivers with tickets. Having a single moving violation may cause rates to rise to the point where it’s not affordable. Drivers who get serious citations such as reckless driving or DUI are required to complete a SR-22 with their state in order to legally drive a vehicle.
• Gender impacts rates – Over the last 50 years, statistics have shown females are less aggressive when driving. This data doesn’t prove that women are better drivers. Males and females are responsible for auto accidents at a similar rate, but men tend to have more serious accidents. Not only are claims higher, but men receive more costly citations like DUI and reckless driving. Young men ages 16 to 20 are several times more likely to be in an accident and therefore are the most expensive to insure.
• Do thieves like your car? – Owning a car with advanced anti-theft systems can save you a little every year. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.

Discounts for lower-cost insurance rates

Insurance is neither fun to buy or cheap, but you may find discounts that can help lower your rates. Certain discounts will be applied at quote time, but some may not be applied and must be asked about in order for you to get them.

• Organization Discounts – Belonging to certain professional organizations could trigger savings on your bill.
• Driver Safety – Taking time to complete a course in safe driver can save you 5% or more and make you a better driver.
• Anti-lock Brake System – Cars, trucks, and SUVs with ABS braking systems or traction control have fewer accidents and will save you 10% or more.
• Telematics Discount – Insureds who allow data collection to monitor where and when they drive remotely like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they exhibit good driving behavior.
• Accident Forgiveness Coverage – Not necessarily a discount, but a handful of insurance companies will let one accident slide before your rates go up if you have no claims for a specific time period.
• Multi-line Discount – Larger insurance carriers have a break if you buy some life insurance in addition to your auto policy.
• Theft Prevention System – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
• Auto/Home Discount – When you have multiple policies with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.

Remember that some credits don’t apply to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way. But all discounts will help reduce your insurance premiums.

A partial list of companies who might offer these discounts may include but are not limited to:

• AAA
• Progressive
• State Farm
• Esurance
• Nationwide

Before buying, ask all companies you are considering how many discounts you can get. All car insurance discounts may not apply to policies in every state. To see a list of companies that offer multiple discounts, click here to view.

You may need specialized insurance coverage

When it comes to choosing coverage, there really is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that may help you determine if your situation would benefit from professional advice.

• Am I covered if I hit a deer?
• Do I really need UM/UIM coverage?
• Will I be non-renewed for getting a DUI or other conviction?
• What if I don’t agree with a claim settlement offer?
• What is the difference between comprehensive and collision coverage?
• Do I need PIP coverage since I have good health insurance?
• Am I insured when driving a different vehicle?
• Are all vehicle passengers covered by medical payments coverage?
• What is medical payments coverage?
• Do I need replacement cost coverage on my 2018 Volkswagen Beetle?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

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Insurance coverage specifics

Learning about specific coverages of a insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Collision – This pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as crashing into a ditch, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for expenses for surgery, funeral costs, nursing services, prosthetic devices and ambulance fees. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your 2018 Volkswagen Beetle.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Auto liability – This protects you from damages or injuries you inflict on other people or property in an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as medical services, funeral expenses and bail bonds. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance – This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like theft, damage from a tornado or hurricane, damage from getting keyed and a broken windshield. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Do the work, save more money

While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at an affordable rate, but don’t skip important coverages to save money.

Budget-friendly auto insurance can be purchased on the web as well as from insurance agents, and you should compare rates from both to get a complete price analysis. Some companies may not provide rate quotes online and most of the time these smaller providers only sell coverage through local independent agents.

People who switch companies do it for a number of reasons such as extreme rates for teen drivers, an unsatisfactory settlement offer, high prices and even policy non-renewal. It doesn’t matter what your reason, finding a great new company is not as hard as you think.

Helpful learning opportunities

• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• What is a Telematics Device? (Allstate)
• Auto Insurance Learning Center (State Farm)
• Teen Driving Statistics (iihs.org)

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