2013 Volkswagen Beetle Insurance Rates

Locating the cheapest insurance for a new or used Volkswagen Beetle can normally be an all-consuming task, but you can use our car insurance buying tips to find lower rates.

There is a better way to find car insurance online so you’re going to learn the absolute fastest way to price shop coverage for your Volkswagen and locate the lowest possible price from local insurance agents and online providers.

You should take the time to shop coverage around at least once a year because rates are usually higher with each renewal. Just because you had the lowest price for Beetle insurance on your last policy the chances are good that you can find a lower rate today. So just ignore everything you know about car insurance because you’re about to learn the best way to properly buy coverages and cut your premium.

Pricing the cheapest protection is not that difficult. If you have a policy now or are looking for a new policy, you can follow these tips to cut your premiums while maintaining coverages. Drivers just need to understand how to compare rates over the internet.

Save big with these discounts

Car insurance is not cheap, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be asked for before being credited. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Student in College – Children who are attending college and do not have a car may qualify for this discount.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class in high school.
  • Auto/Home Discount – When you have multiple policies with one insurance company you could get a discount of approximately 10% to 15%.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.

Consumers should know that most credits do not apply to your bottom line cost. Some only apply to individual premiums such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will cut your premiums.

To see a list of companies with discount insurance coverage rates, click here.

Volkswagen Beetle insurance rates are influenced by…

Consumers need to have an understanding of the rating factors that go into determining your insurance coverage rates. Knowing what controls the rates you pay helps enable you to make changes that may reward you with big savings.

  • You might want pay the small claims yourself – If you tend to file frequent claims, you can look forward to higher rates. Companies give discounts to drivers who do not file claims often. Insurance coverage is intended for larger claims.
  • Your age impacts your rates – Young drivers have a tendency to be more careless behind the wheel so insurance coverage rates are higher. Parents adding a youthful driver onto your insurance coverage can really hurt. Older drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Choose a safe vehicle and save – Safer cars are cheaper to insure. These vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders. If the Volkswagen Beetle earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Adjust deductibles and save – Deductibles for physical damage represent how much money you are willing to pay before your insurance coverage pays a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of claims that would be covered are colliding with a building, collision with an animal, and windstorm damage. The more money the insured has to pay upfront, the less your insurance coverage will be for Beetle insurance.
  • Having a spouse can save you money – Having a wife or husband helps lower the price on your policy. It translates into being more responsible and it’s proven that married drivers get in fewer accidents.
  • Never let your coverage lapse – Allowing your coverage to lapse will be a sure-fire way to increase your insurance coverage rates. And not only will your rates increase, but not being able to provide proof of insurance might get you a license revocation or jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Equipment add-ons that lower insurance coverage rates – Driving a car that has an advanced theft prevention system can help lower your rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.

But I don’t know anything about car insurance

When choosing adequate coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether you will benefit from professional help.

  • Are rental cars covered under my policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • If I drive on a suspended license am I covered?
  • Is my 2013 Volkswagen Beetle covered for smoke damage?
  • When should I drop full coverage on my 2013 Volkswagen Beetle?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Auto insurance coverages and their meanings

Having a good grasp of your policy helps when choosing the right coverages for your vehicles. Auto insurance terms can be confusing and coverage can change by endorsement.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses for things like EMT expenses, surgery, rehabilitation expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

Collision insurance covers damage to your Beetle resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with another moving vehicle, backing into a parked car, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverages

This covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, hitting a bird, a broken windshield, falling objects and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability insurance

This coverage provides protection from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

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 values of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as legal defense fees, bail bonds, repair bills for other people’s vehicles, court costs and medical services. How much coverage you buy is your choice, but buy as large an amount as possible.

More choices the merrier

While you’re price shopping online, don’t be tempted to reduce needed coverages to save money. There are many occasions where an insured cut liability limits or collision coverage and found out when filing a claim that it was a big error on their part. The proper strategy is to buy enough coverage at the best price, not the least amount of coverage.

People switch companies for a variety of reasons including extreme rates for teen drivers, lack of trust in their agent, questionable increases in premium and high rates after DUI convictions. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.

Cheaper 2013 Volkswagen Beetle insurance is definitely available both online as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.

For more information, link through to the following helpful articles: