2018 Volkswagen Beetle Insurance Rates – 6 Savings Tips

Getting the most affordable insurance coverage over the internet might appear rather difficult for drivers new to quoting and online price comparisons. With so many options of insurance companies available, how can anyone have the ability to compare every company in order to find the best price?

Insurance coverage quotes comparison

Most larger insurance companies such as Allstate, Geico and Progressive give insurance quotes from their websites. Getting quotes is pretty easy as you just enter your personal and coverage information into the form. After the form is submitted, their quoting system gets your credit score and driving record and returns a price based on these and other factors.

Online quotes simplifies rate comparisons, but having to visit different websites and type in the same information is a waste of time. But it’s very important to have as many quotes as possible in order to find better insurance coverage pricing.

The easy way to compare rates

An easier way to compare rates is to use a quote form to return rates from multiple companies. This type of form saves time, reduces the work, and makes online shopping much easier to do. After sending your information, it is quoted and you are able to buy your choice of the quotes that you receive.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The whole process just takes a couple of minutes and can result in significant savings.

To compare pricing, click here and enter your information. If you have a policy now, it’s recommended you type in exactly as they are listed on your policy. This ensures you’re receiving a price comparison for the exact same coverage.

Discount car insurance rates

The cost of insuring your cars can be expensive, but you can get discounts that may help make it more affordable. Some trigger automatically at the time of purchase, but a few must be manually applied before they will apply. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Distant College Student Discount – Youth drivers living away from home attending college without a vehicle on campus may qualify for this discount.
  • Theft Prevention System – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Memberships – Being in qualifying employment or professional organizations could earn you a nice discount when getting a auto insurance quote.
  • Air Bag Discount – Options like air bags or motorized seat belts could see savings of 20 to 30 percent.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course as it can save substantially.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn better car insurancerates on cars that stay parked.

Please keep in mind that most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, it’s just not the way it works.

To view providers with the best discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions could help you determine if your situation might need an agent’s assistance.

  • How many claims can I have before being cancelled?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Where can I find high-risk insurance?
  • Should I have combined single limit or split liability limits?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What vehicles should carry emergency assistance coverage?
  • Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form.

But they said I’d save $445 a year!

Big name companies like Allstate, Geico and Progressive continually stream ads in print and on television. They all seem to convey the message that you can save just by moving your coverage. How does each company offer you a better deal? It’s all in how they say it.

Auto insurance companies have strict underwriting profiles for the right customer they prefer to insure. An example of this type of risk profile could be a female over age 40, has never had a policy lapse, and has excellent credit. Any customer who fits those characteristics may get the lowest prices and as a result will probably save when they switch companies.

Consumers who fall outside the ideal profile will be charged a more expensive rate and this can result in business going elsewhere. If you pay close attention to the ads, they say “drivers that switch” not “all people who quote” save that kind of money. That’s the way insurance companies can advertise the savings.

This really illustrates why it’s extremely important to quote coverage with many companies. It is impossible to predict the company that will be your best fit.

Insurance coverage specifics

Knowing the specifics of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

Collision protection

This will pay to fix damage to your Beetle caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a building, backing into a parked car, scraping a guard rail, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to bring the cost down.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Volkswagen Beetle.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Comprehensive coverages

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like vandalism, a broken windshield, hitting a bird, a tree branch falling on your vehicle and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills such as doctor visits, prosthetic devices and ambulance fees. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability insurance will cover damages or injuries you inflict on people or other property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like medical services, court costs and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy as large an amount as possible.

In any little way, save everyday

Lower-priced car insurance can be purchased on the web and from local agencies, so you should be comparing quotes from both to have the best selection. Some insurance companies do not offer rates over the internet and these small insurance companies provide coverage only through independent agents.

Drivers who switch companies do it for many reasons like policy non-renewal, questionable increases in premium, extreme rates for teen drivers and denial of a claim. It doesn’t matter why you want to switch choosing a new insurance company is actually quite simple.

When searching for affordable auto insurance quotes, don’t be tempted to buy less coverage just to save a little money. There are many occasions where someone sacrificed liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your objective should be to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.

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