Lower Your 2012 Volkswagen Beetle Car Insurance Rates

Trying to find the cheapest car insurance rates for your Volkswagen Beetle? Searching for the cheapest insurance for a Volkswagen Beetle can normally be difficult, but you can learn the following methods to make it easier.

There are both good and bad ways to buy car insurance so we’re going to tell you the best way to price shop coverage on a Volkswagen and obtain the best price possible either online or from local insurance agents.

How to lower your insurance prices

Multiple criteria are taken into consideration when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, although others are more transparent like your vehicle usage or how safe your car is.Consumers need to have an understanding of some of the elements that come into play when calculating your policy premiums. When you know what positively or negatively influences your rates, this enables you to make decisions that could result in big savings.

• Only buy extra coverages you need – Policies have additional coverages that can add up but may not be useful. Coverages for replacement cost coverage, better glass coverage, and additional equipment coverage are examples of these. They may seem like a good idea at first, but if they’re wasting money think about removing them and cutting costs.
• Consolidate policies with the same company – Some insurance companies afford discounts to customers that buy multiple policies in the form of a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even with this discount applied, drivers will still want to compare rates to make sure you are getting the best deal.
• Cheaper premiums using GPS tracking and theft deterrents – Selecting a car model with anti-theft technology or alarm system can help bring down rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft and help lower rates.
• Frequent car insurance claims will increase rates – If you file a lot of claims you shouldn’t be surprised to get higher premiums or even policy non-renewal. Auto insurance companies award lower rates to policyholders who only file infrequent claims. Insurance coverage is intended to be relied upon for the large, substantial claims.
• Battle of the sexes – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. Now that doesn’t mean females are better drivers. Both sexes are responsible for auto accidents in similar percentages, but the men cause more damage. Men also statistically receive more costly citations like reckless driving and DUI. Males from age 16 to 21 cause the most accidents and therefore are the most expensive to insure.
• Avoid tickets and save – Even a single ticket can increase the cost of insurance forty percent or more. Careful drivers have lower premiums than their less careful counterparts. People who have severe tickets such as DWI, reckless driving or hit and run convictions may find that they have to to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to legally drive.
• Do you have enough liability coverage? – The liability section of your policy will afford coverage if a court rules you are at fault for damages from an accident. It will provide for a legal defense starting from day one. It is affordable coverage compared to other policy coverages, so do not skimp.
• Never let your car insurance expire – Driving any period of time without insurance is against the law and as a result your rates will increase for letting your coverage lapse. In addition to paying higher premiums, the inability to provide proof of insurance could earn you a fine, jail time, or a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.

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Take advantage of every insurance discount

Insurance is expensive, but there’s a good chance there are discounts to help offset the cost. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be specifically requested in order for you to get them.

• Early Switch Discount – Select larger companies give a discount for switching to them before your current coverage expires. It can save you around 10%.
• Theft Deterent – Cars, trucks, and SUVs that have factory anti-theft systems are stolen less frequently and can earn a small discount on your policy.
• Discount for Life Insurance – Select insurance companies reward you with lower prices if you buy auto and life insurance together.
• Smart Student Discounts – Being a good student can earn a discount of 20% or more. This discount can apply up until you turn 25.
• Early Payment Discounts – By paying your policy upfront rather than paying in monthly installments you may have a lower total premium amount.
• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 15% on medical payment and PIP coverage.
• Accident Forgiveness – Not necessarily a discount, but companies like Liberty Mutual and Geico will turn a blind eye to one accident before raising your premiums if you have no claims for a set time period.
• Discount for Passive Restraints – Vehicles equipped with air bags may get savings of more than 20%.
• Senior Citizen Rates – Mature drivers can get reduced rates for Beetle coverage.
• Professional Organizations – Affiliation with a civic or occupational organization could earn you a nice discount on your next renewal.

Discounts lower rates, but some of the credits will not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comp or med pay. Just because you may think having all the discounts means you get insurance for free, nobody gets a free ride.

A few of the larger companies and a selection of discounts include:

• Progressive offers discounts for multi-policy, good student, multi-vehicle, online signing, and homeowner.
• AAA may include discounts for multi-policy, good student, education and occupation, pay-in-full, good driver, anti-theft, and multi-car.
• Farmers Insurance offers premium reductions for youthful driver, early shopping, good student, pay in full, business and professional, teen driver, and bundle discounts.
• Geico includes discounts for anti-lock brakes, federal employee, membership and employees, multi-policy, and defensive driver.
• Esurance may have discounts that include Switch & Save, multi-car, safety device, Pac-12 alumni, and good student.
• SAFECO has discounts for drive less, bundle discounts, multi-car, safe driver, teen safety rewards, and teen safe driver.
• State Farm discounts include student away at school, Drive Safe & Save, passive restraint, driver’s education, defensive driving training, and good student.

When getting a coverage quote, ask each company which credits you are entitled to. A few discounts may not apply to policyholders in every state. For a list of insurers with the best discounts, follow this link.

How to know if you need help

When it comes to choosing adequate coverage, there really is no one size fits all plan. Everyone’s situation is a little different.

For instance, these questions might help in determining whether or not you might need professional guidance.

• Does my insurance cover damage caused when ticketed for reckless driving?
• Can I afford to pay high deductible claims out of pocket?
• Does my medical payments coverage pay my health insurance deductible?
• What companies insure drivers after a DUI or DWI?
• Do I have coverage for damage caused while driving under the influence?
• Am I covered when driving in Canada or Mexico?
• Will filing a claim cost me more?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage basics

Understanding the coverages of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Collision protection

This coverage pays to fix your vehicle from damage from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, crashing into a building, scraping a guard rail and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Medical costs insurance

Med pay and PIP coverage pay for immediate expenses for dental work, surgery, ambulance fees, nursing services and pain medications. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, damage from flooding, damage from a tornado or hurricane and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverages

Liability coverage provides protection from damage that occurs to other people or property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like emergency aid, funeral expenses, medical expenses and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

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Don’t throw your cash in the trash

Drivers who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, policy cancellation, not issuing a premium refund or delays in paying claims. No matter why you want to switch, finding a new insurance company is actually quite simple.

We just covered a lot of ways to shop for 2012 Volkswagen Beetle insurance online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the best price on insurance is with the least-expected company.

Cheaper 2012 Volkswagen Beetle insurance can be sourced on the web and with local insurance agents, so get free auto insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies do not offer rate quotes online and usually these smaller companies only sell through independent agencies.

Even more information can be found at these sites:

• Understanding your Policy (NAIC.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)

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