2018 Volkswagen Beetle Convertible Insurance Rates – 7 Tips to Save

Looking for better auto insurance rates for your Volkswagen Beetle Convertible? Scraping up a payment for pricey Volkswagen Beetle Convertible insurance can take a big chunk out of your family’s budget and make it impossible to make ends meet.

Online insurance companies like Allstate, Progressive and Geico all claim big savings with advertising and it is difficult to sift through the bull and do the work needed to find the best deal.

Consumers need to do price comparisons before your next renewal because auto insurance rates are adjusted regularly by insurance companies. Just because you found the lowest rate on Beetle Convertible insurance two years ago you may be paying too much now. There is lot of inaccurate information about auto insurance online but in just a couple of minutes you can learn some great ways to lower your auto insurance bill.

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these techniques. Finding affordable coverage is quite easy. But vehicle owners do need to learn how big insurance companies determine prices because it can help you find the best coverage.

How to compare free insurance quotes

The majority of larger companies such as Geico, State Farm and Progressive give insurance quotes from their websites. Getting quotes is quite easy as all you need to do is type in the coverages you want as detailed in the form. Behind the scenes, the company’s rating system collects information on your driving record and credit history and returns pricing information based on the data you entered. Online price estimates makes it a lot easier to compare rates but the time required to go to a lot of sites and enter the same data into a form gets old quite quickly. But it’s absolutely necessary to get many rate quotes if you want to get a better rate.

The easy way to compare rates

An easier way to find lower prices makes use of a single form that obtains quotes from many companies. It’s a real time-saver, eliminates repetitive work, and makes price shopping online a lot less work. Immediately after submitting the form, it is rated and you can choose your choice of the resulting price quotes. If a lower price is quoted, you can simply submit the application and purchase the new policy. It can be completed in less than 10 minutes and may result in a nice savings.

To use this form to compare rates, click here and submit the form. If you currently have coverage, we recommend you copy your coverages just like they are on your policy. This makes sure you will get rate comparison quotes for similar coverage.

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Seven discounts for cheap insurance quotes

Insurance is not cheap nor is it fun to buy but you may be missing some discounts that many people don’t even know exist. Certain discounts will be applied when you get a quote, but less common discounts must be manually applied before being credited.

• Early Switch Discount – A few insurance companies offer discounts for buying a policy prior to the expiration date on your current policy. It could save around 10% when you buy insurance coverage online.
• Telematics Devices – Insureds that choose to allow their insurance company to look at driving patterns by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they show good driving skills.
• Multiple Vehicles – Buying a policy with several vehicles on a single policy could earn a price break for each car.
• Discounts for Seat Belt Usage – Drivers who require all occupants to buckle up can save up to 15% off PIP or medical payments premium.
• Low Mileage Discounts – Low annual miles could qualify for discounted prices on garaged vehicles.
• Driver Education Discount – It’s a good idea to have your young drivers successfully complete driver’s ed class in school or through a local driver safety program.
• Federal Government Employee – Active or former government employment could provide a small rate reduction on Beetle Convertible insurance but check with your company.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comp or med pay. So when it seems like it’s possible to get free car insurance, you aren’t that lucky. Any amount of discount will definitely lower your policy cost.

Companies and a partial list of their discounts are outlined below.

• Geico may offer discounts for military active duty, federal employee, multi-policy, defensive driver, and driver training.
• USAA has discounts for good student, military installation, safe driver, vehicle storage, loyalty savings, and multi-vehicle.
• Progressive may have discounts that include homeowner, continuous coverage, multi-vehicle, online signing, good student, and online quote discount.
• American Family discounts include air bags, good driver, mySafetyValet, multi-vehicle, and early bird.
• Esurance has savings for anti-lock brakes, Pac-12 alumni, paid-in-full, multi-car, and online shopper.
• Farmers Insurance offers discounts for bundle discounts, good student, alternative fuel, electronic funds transfer, early shopping, pay in full, and multi-car.
• State Farm may include discounts for student away at school, Steer Clear safe driver discount, driver’s education, good driver, defensive driving training, anti-theft, and Drive Safe & Save.

When getting a coverage quote, ask all the companies how many discounts you can get. A few discounts may not apply to policies in your state. To see insurance companies who offer insurance discounts, follow this link.

You may need specialized car insurance coverage

When choosing the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that may help you determine whether or not you could use an agent’s help.

• When would I need rental car insurance?
• Is motorclub coverage worth it?
• What is UM/UIM insurance?
• What companies insure drivers after a DUI or DWI?
• Should I have a commercial auto policy?
• I have a DUI can I still get coverage?
• When should I not file a claim?
• Are there companies who specialize in insuring high-risk drivers?
• Can I afford low physical damage deductibles?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Car insurance coverage information

Knowing the specifics of a insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types offered by insurance companies.

Coverage for collisions

This coverage covers damage to your Beetle Convertible resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as colliding with another moving vehicle, colliding with a tree, hitting a mailbox, sideswiping another vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as prosthetic devices, ambulance fees, nursing services, X-ray expenses and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

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. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, hitting a deer, damage from flooding and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability auto insurance

Liability coverage will cover damage or injury you incur to a person or their property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like medical expenses, funeral expenses, repair costs for stationary objects, loss of income and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

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Make an honest buck

We just presented a lot of information how to compare 2018 Volkswagen Beetle Convertible insurance car insurance rates online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best price on auto insurance is with a small mutual company. They often have lower premium rates on specific markets compared to the large companies like Progressive or Geico.

As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. There are too many instances where someone dropped full coverage and learned later they didn’t purchase enough coverage. Your goal should be to buy enough coverage at the best cost.

Cost effective 2018 Volkswagen Beetle Convertible insurance is attainable from both online companies as well as from insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies may not offer the ability to get quotes online and many times these regional carriers work with local independent agencies.

Other information

• Red Light Cameras (State Farm)
• Speed and Speed Limit FAQ (iihs.org)
• Collision Insurance Coverage (Nationwide)
• Older Drivers FAQ (iihs.org)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)

Enter your zip code below to view companies that have cheap auto insurance rates.

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