2014 Volkswagen Beetle Insurance Quotes – 9 Policy Discounts

Tired of being strong-armed to buy car insurance? You are in the same boat as the majority of other car owners. Many insurers compete to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the lowest price

Consumers need to do rate comparisons periodically due to the fact that insurance rates are usually higher with each renewal. Just because you found the lowest rates on Beetle coverage a couple years back other companies may now be cheaper. Starting now, block out anything you think you know about insurance coverage because you’re going to learn how to use the internet to find lower rates on insurance coverage.

Cut your premium with these nine discounts

The price of auto insurance can be rather high, but companies offer discounts to help bring down the price. A few discounts will automatically apply when you quote, but less common discounts must be specially asked for before they will apply. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Safety Course Discount – Completing a driver safety course can save you 5% or more if you qualify.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Beetle coverage than less cautious drivers.
  • Senior Discount – Older drivers may be able to get better car insurance rates on Beetle coverage.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • No Accidents – Good drivers with no accidents pay much less as compared to accident-prone drivers.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% on Beetle coverage depending on your company.
  • Good Student – This discount can get you a discount of up to 25%. This discount can apply up to age 25.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Clubs and Organizations – Belonging to a qualifying organization may earn a discount when shopping for car insurance on Beetle coverage.

Drivers should understand that some credits don’t apply the the whole policy. Most cut individual premiums such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way. But all discounts will reduce the cost of coverage.

For a list of providers offering car insurance discounts, click here to view.

How to Compare Auto Insurance

There are a lot of ways to compare auto insurance quotes, but some are less time-consuming than others. You can waste a lot of time driving to insurance agencies in your area, or you can utilize the internet to get rates in a matter of minutes.

Many popular insurance companies participate in an industry program that allows shoppers to only type in their quote data once, and each company can provide price quotes based on that data. This saves time by eliminating quote requests to each individual auto insurance company.

To find out how much you can save on auto insurance click to open in new window.

The only downside to comparing rates this way is buyers cannot specifically choose which insurance companies to get pricing from. If you wish to select individual companies to request quotes from, we have a listing of the cheapest auto insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just ensure you’re using identical quote information with every price quote. If your comparisons have mixed coverages it’s not possible to decipher which rate is best.

What is the best insurance coverage?

When buying the best insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions could help you determine whether your personal situation will benefit from professional help.

  • Do I need added coverage for expensive stereo equipment?
  • When should I buy a commercial auto policy?
  • What can I do if my company denied a claim?
  • Why is insurance for a teen driver so high?
  • Is my custom paint covered by insurance?
  • Can my babysitter drive my car?
  • Does my medical payments coverage pay my health insurance deductible?
  • What is the minimum liability in my state?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Car insurance coverage considerations

Having a good grasp of your car insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types available from car insurance companies.

Insurance for medical payments – Med pay and PIP coverage kick in for expenses such as prosthetic devices, funeral costs and surgery. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Collision – This pays for damage to your Beetle resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as rolling your car, crashing into a ditch, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for liability – This can cover injuries or damage you cause to other people or property in an accident. It protects you from legal claims by others. Liability doesn’t cover 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. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as legal defense fees, medical expenses, loss of income and emergency aid. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision) – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, a broken windshield and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

In the end, you save

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. There are many occasions where an insured dropped uninsured motorist or liability limits only to regret that the savings was not a smart move. Your goal should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

Cheaper 2014 Volkswagen Beetle insurance can be bought from both online companies in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies do not provide online price quotes and these small, regional companies work with independent agents.

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