2013 Volkswagen Beetle Convertible Insurance Quotes – 7 Tips for Cheapest Rates

Expensive insurance can drain your personal savings and force you to make sacrifices. Comparison shopping is a great way to help make ends meet.

Companies like Allstate, Progressive and Geico persitently shower you with ad campaigns and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

You should take the time to compare prices on a regular basis because prices fluctuate regularly. Even if you think you had the best price for Beetle Convertible coverage a few years ago the chances are good that you can find a lower rate today. Forget all the misinformation about insurance because you’re about to learn how to use the internet to properly buy coverages while reducing your premium.

Fast and Easy Car Insurance Quotes

When shopping for car insurance there are multiple ways of comparing rate quotes from different insurance companies. The fastest way to find the cheapest 2013 Volkswagen Beetle Convertible insurance rates is to perform an online rate comparison. This is very easy and can be done in a couple of different ways.

  1. Probably the best way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This type of form eliminates the need for separate quote forms for every car insurance company. Taking the time to complete one form gets you price quotes from multiple companies.
  2. A harder way to find lower rates is going to each company’s website to complete their respective quote request forms. For sake of this example, let’s say you want to compare rates from Progressive, Farmers and GMAC. 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 handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but make sure you use the exact same coverages and limits with every price quote. If each company quotes differing limits then you won’t be able to determine which rate is truly the best. Just a small difference in insurance coverages can make a big difference in price. It’s important to know that quoting more will enable you to find the best offered rates.

Save with discounts on 2013 Volkswagen Beetle Convertible insurance

Companies that sell car insurance do not list every available discount very well, so we break down some of the more common as well as the least known ways to save on auto insurance.

  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Discount for Swiching Early – Some companies give discounts for signing up before your current expiration date. The savings is around 10%.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • Bundle and Save – When you have multiple policies with one insurance company you may earn approximately 10% to 15%.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Drive Less and Save – Fewer annual miles on your Volkswagen can qualify you for better rates on cars that stay parked.
  • Senior Discount – If you’re over the age of 55, you may receive better auto insurance rates for Beetle Convertible coverage.

Keep in mind that most credits do not apply to the entire policy premium. Most only cut specific coverage prices like liability and collision coverage. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way.

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

Tailor your coverage to you

When choosing coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions may help you determine whether or not you could use an agent’s help.

  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need an umbrella policy?
  • When can my company non-renew my policy?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I get a pro-rated refund if I cancel my policy early?

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

Auto insurance 101

Having a good grasp of your policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by car insurance companies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for EMT expenses, chiropractic care, surgery and dental work. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance will pay to fix damage to your Beetle Convertible resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a mailbox, hitting a parking meter, sustaining damage from a pot hole, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Auto liability

Liability insurance can cover injuries or damage you cause to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims such as pain and suffering, repair costs for stationary objects, medical services and bail bonds. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Volkswagen Beetle Convertible.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as vandalism, a broken windshield, damage from getting keyed, theft and hail damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Be a penny pincher

Discount 2013 Volkswagen Beetle Convertible insurance is possible on the web and also from your neighborhood agents, and you should be comparing both to have the best selection. Some insurance companies may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

We covered many tips how you can shop for insurance online. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the best price on insurance is with some of the smallest insurance companies. Smaller companies may only write in your state and offer lower rates than their larger competitors like Allstate or State Farm.

More information can be read on the following sites: