2014 Volkswagen Beetle Convertible Insurance Cost – 7 Ways to Save

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, you’re not alone.

With consumers having so many online and local companies to choose from, it can be impossible to choose the lowest price provider.

Finding affordable coverage is quite easy. If you currently have car insurance, you will be able to save some money using these techniques. But vehicle owners do need to know how companies market on the web because it can help you find the best coverage.

Lower rates by qualifying for these seven discounts

Companies that sell car insurance don’t always advertise all their discounts in a way that’s easy to find, so the following is a list of both the well known and also the lesser-known discounts you could be receiving.

  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Lower Rates for Military – Having a deployed family member can result in better rates.
  • Own a Home – Being a homeowner may trigger a insurance coverage policy discount because maintaining a house requires personal responsibility.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education in school.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, it just doesn’t work that way.

Insurance companies who might offer these discounts are:

It’s a good idea to ask each company which discounts you may be entitled to. All car insurance discounts may not apply in every state.

Low Cost Insurance

There are a lot of ways to shop for insurance, but some are less time-consuming than others. You can waste a few hours (or days) talking to agents in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Many companies participate in a marketplace that allows shoppers to submit their information once, and every company then returns a price quote. This prevents consumers from doing repetitive form submissions for each company you want a rate for. To compare 2014 Volkswagen Beetle Convertible rates using this form now click to open in new window.

The only downside to using this type of system is you can’t choose the providers to get quotes from. So if you prefer to pick specific providers to compare prices, we put together a list of companies who write insurance in your area. View list of insurance companies.

Which method you use is up to you, but be sure to compare exactly the same coverage limits for each price quote. If your comparisons have different values for each quote it will be impossible to find the best deal for your Volkswagen Beetle Convertible. Quoting even small variations in coverage limits may cause a big price difference. Just remember that quoting more provides better odds of finding the best price.

Car insurance is unique, just like you

When choosing the best auto insurance coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions may help highlight whether your personal situation might need professional guidance.

  • Do I have coverage if my license is suspended?
  • Can my teen driver be rated on a liability-only vehicle?
  • If my 2014 Volkswagen Beetle Convertible is totaled, can I afford another vehicle?
  • Is extra glass coverage worth it?
  • I have a DUI can I still get coverage?
  • Is my custom paint covered by insurance?

If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Car insurance coverage specifics

Knowing the specifics of a car insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most car insurance policies.

Collision coverage – Collision coverage will pay to fix damage to your Beetle Convertible caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like damaging your car on a curb, driving through your garage door, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Liability car insurance – Liability insurance can cover damage or injury you incur to a person or their property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers claims like pain and suffering, loss of income, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as prosthetic devices, X-ray expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, falling objects and hitting a deer. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Volkswagen Beetle Convertible.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Final considerations

Discount 2014 Volkswagen Beetle Convertible insurance is attainable online in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. There are many occasions where someone sacrificed liability coverage limits and learned later that it was a big error on their part. Your aim should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

We’ve covered a lot of ways to save on insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as Progressive or Geico.

Additional detailed information can be read in the articles below: