Cheap 2015 Volkswagen Beetle Insurance Rates

Finding cheap auto insurance online can be problematic for consumers not familiar with shopping for insurance online. With a ridiculous number of choices, how can drivers have a chance to compare every one to find the cheapest available price?

It’s important to get comparison quotes at least once a year due to the fact that insurance rates are constantly changing. Just because you had the best rates for Beetle coverage a few years ago you will most likely find a better rate today. Block out anything you think you know about auto insurance because you’re about to find out the proper way to reduce your cost while improving coverage.

Choosing the best insurance company for you is not that difficult. If you currently have car insurance, you should be able to cut costs considerably using these methods. Nevertheless, car owners can benefit by having an understanding of the way companies price insurance differently and apply this information to your search.

The method we recommend to compare rate quotes is to know car insurance companies actually pay money for the chance to provide you with free rate quotes. The only thing you need to do is give the companies some data like how much education you have, if you are currently licensed, whether you are married, and how you use your vehicles. The data gets sent immediately to multiple top-rated companies and you will get price comparisons within a short period of time.

Lower rates by qualifying for discounts

Companies don’t always list all their discounts very well, so here is a list both well-publicized and also the lesser-known auto insurance savings.

  • Early Switch Discount – Select companies give a discount for switching policies before your current expiration date. It’s a savings of about 10%.
  • One Accident Forgiven – A few companies permit an accident before raising your premiums if you are claim-free prior to the accident.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Memberships – Belonging to a qualifying organization could trigger savings on auto insurance for Beetle coverage.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.

It’s important to note that some credits don’t apply to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

For a list of companies with the best auto insurance discounts, click here.

Car insurance is unique, just like you

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

For example, these questions might point out if your situation could use an agent’s help.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my babysitter covered when using my vehicle?
  • What happens if I owe more than my 2015 Volkswagen Beetle is worth?
  • What is PIP insurance?
  • Is my state a no-fault state?
  • Does coverage extend to Mexico or Canada?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What should my uninsured motorist coverage limits be in my state?
  • Is a new car covered when I drive it off the dealer lot?
  • Should I buy only the required minimum liability coverage?

If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Factors that can influence insurance rates for a Volkswagen Beetle

Smart consumers have a good feel for the factors that play a part in calculating the rates you pay for insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that can help you get much lower annual insurance costs.

Shown below are some of the factors companies use to determine your rates.

  • Safer occupants lowers premiums – Vehicles with high crash test scores are cheaper to insure. Safe vehicles have better occupant injury protection and fewer injuries translates into savings for insurance companies and thus lower rates. If your Volkswagen has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Liability insurance protects assets – Liability insurance provides coverage if ever you are found liable for damages from an accident. It will provide for a legal defense starting from day one. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
  • Always keep insurance in force – Allowing your coverage to lapse is a sure-fire way to increase your insurance rates. Not only will you pay more, getting caught without coverage might get you a steep fine or even jail time.
  • Policy add-ons can waste money – There are quite a few additional coverages that you can buy on your Beetle policy. Things like vanishing deductibles, towing coverage and additional equipment coverage may be costing you every month. They may seem like a good idea at first, but now you might not need them so remove them from your policy.
  • Rate your vehicle for proper use – The higher the mileage driven in a year the higher your rate. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Cars that are left in the garage receive lower rates compared to those used for work or business. Verify your insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money. If your policy improperly rates your Beetle can cost quite a bit.

Auto insurance coverage information

Having a good grasp of a auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sustaining damage from a pot hole, rolling your car, backing into a parked car, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses for things like rehabilitation expenses, ambulance fees, funeral costs, pain medications and hospital visits. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2015 Volkswagen Beetle.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Auto liability insurance

Liability coverage protects you from damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like medical services, attorney fees, funeral expenses and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, rock chips in glass, damage from getting keyed and hitting a bird. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

A little work can save a LOT of money

In this article, we presented a lot of techniques to save on 2015 Volkswagen Beetle insurance. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may even find the lowest priced car insurance comes from an unexpected company.

When you buy insurance online, do not skimp on critical coverages to save a buck or two. In many instances, an insured dropped full coverage and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

Cheaper insurance can be found from both online companies and with local insurance agents, so you should compare both to have the best selection. There are still a few companies who do not offer online quoting and these regional insurance providers work with independent agents.

Much more information about car insurance can be found at the links below