2012 Volkswagen Beetle Insurance Quotes – 7 Tips for Cheapest Rates

Looking for better auto insurance rates for your Volkswagen Beetle? Expensive auto insurance can drain your checking account and force you to make sacrifices. Doing a price comparison is a smart way to help make ends meet. Multiple car insurance companies compete for your insurance dollar, and it can be difficult to compare rates and get the definite lowest price

If you have a current insurance coverage policy or are just looking to switch companies, you can follow these tips to find the best rates and still get good coverage. Choosing the best insurance company for you is not rocket science. Drivers only need to know how to find the lowest price on the web.

Comprehensive Car Insurance Comparison

Reducing your 2012 Volkswagen Beetle insurance rates is a fairly straight forward process. You just have to invest a little time getting comparison quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

The fastest way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This form prevents you from having to do multiple quote forms for every car insurance company. A single form gets you price quotes from all major companies.

A less efficient way to get comparison quotes consists of going to each company website and complete a new quote form. For sake of this example, we’ll pretend you want to compare Allstate, State Farm and Progressive. To get rate quotes you would need to go to every website and enter your policy data, and that’s why the first method is more popular.

For a list of links to insurance companies in your area, click here.

The hardest way of comparing rate quotes is to drive around to local insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you have a need for the professional guidance only provided by licensed agents. You can, however, get the lowest quotes online and get advice from an agent in your area.

Whichever way you use, make sure you use exactly the same deductibles and coverage limits with each company. If your comparisons have unequal deductibles or liability limits then you won’t be able to decipher which rate is best.

Is there deception in advertising?

Consumers can’t get away from ads that promise big savings from the likes of Geico, State Farm and Progressive. All the companies have a common claim about savings after switching your coverage to them.

How does each company claim to save you money? It’s all in the numbers.

All companies are able to cherry pick for the type of customer that is profitable for them. A good example of a desirable insured might be profiled as between the ages of 40 and 55, has no driving citations, and drives newer vehicles. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who don’t qualify for the requirements will be charged higher prices and this can result in the driver buying from a lower-cost company. The ads state “people who switch” but not “drivers who get quotes” save money. That is how companies can truthfully make the claims of big savings. That is why you should quote coverage with many companies. It’s not possible to predict which company will fit your personal profile best.

Take advantage of discounts

Companies offering auto insurance do not advertise every available discount in a way that’s easy to find, so we break down both well-publicized and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. The discount lasts up to age 25.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off for Beetle insurance with a few car insurance companies.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Accident Forgiveness – Certain companies allow you one accident without raising rates as long as you don’t have any claims prior to the accident.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • No Claims – Good drivers with no accidents can earn big discounts as compared to drivers who are more careless.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, car insurance companies aren’t that generous.

For a list of companies offering car insurance discounts, click this link.

How to know if you need help

When it comes to buying proper insurance coverage, there is no best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if your insurance needs could use an agent’s help.

  • Will filing a claim cost me more?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I insured when driving a different vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my cargo covered for damage or theft?
  • Is my state a no-fault state?
  • Where can I find high-risk insurance?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Specific coverage details

Having a good grasp of a insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverage types available from insurance companies.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for doctor visits, chiropractic care, nursing services, EMT expenses and hospital visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property in an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers things such as medical services, attorney fees, emergency aid, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2012 Volkswagen Beetle.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage protection

This covers damage to your Beetle caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like backing into a parked car, sideswiping another vehicle, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like theft, fire damage, rock chips in glass, a tree branch falling on your vehicle and falling objects. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Knowledge is power

Cheap 2012 Volkswagen Beetle insurance can be purchased from both online companies and with local insurance agents, so compare prices from both in order to have the best price selection to choose from. Some auto insurance companies do not offer online price quotes and these smaller companies work with independent agents.

When trying to cut insurance costs, never buy less coverage just to save a little money. There are too many instances where someone dropped physical damage coverage only to regret they didn’t purchase enough coverage. Your goal should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

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