Lower Your 2016 Volkswagen Beetle Convertible Insurance Rates

Getting cheap insurance online can seem to be somewhat difficult for drivers that are relatively new to shopping for insurance on the internet. With such a large number of agents and online companies, how are drivers able to even start to compare every company to locate cheaper insurance prices?

If you have car insurance now, you should be able to lower your premiums substantially using this strategy. Shopping for the lowest cost protection is easy if you know what you’re doing. But car owners must learn the way companies sell insurance online.

How much is insurance?

To find the best insurance rates, there are several ways of comparing rate quotes from many different insurance companies. The recommended way to find the lowest 2016 Volkswagen Beetle Convertible rates is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

  1. The most efficient way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This type of form keeps you from doing separate forms for each company you want a rate for. Completing one form gets prices estimates from multiple low-cost companies. This is perfect if you don’t have a lot of time.
  2. A harder way to compare prices requires a visit to the website for every company you want to comare and request a quote. For examples sake, let’s assume you want to view quotes from Auto-Owners, Allstate and Liberty Mutual. You would need to navigate to each company’s site to enter your coverage information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

Whichever way you choose to compare rates, try to keep the exact same coverages and limits for each comparison quote. If you have different limits and deductibles on each one you will not be able to get a fair rate comparison. Quoting even small variations in coverage limits may result in large price differences. And when comparing insurance rates, know that comparing more company’s prices gives you a better chance of getting more affordable rates. Some insurance companies are not set up to provide online quotes, so it’s necessary to compare prices from them as well.

These discounts can slash auto insurance rates

Some insurance providers do not advertise the complete list of policy discounts very clearly, so here is a list both the well known and the harder-to-find discounts you could be receiving when you buy car insurance online.

  • Discount for Good Grades – Performing well in school may save you up to 25%. Many companies even apply the discount to college students until age 25.
  • Multi-line Discount – Larger auto insurance companies have a lower premium rate if you buy a life insurance policy as well.
  • ABS Braking Discount – Cars that have anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Anti-theft Discount – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently and that can save you a little bit as well.
  • Claim Free – Drivers who stay claim-free pay much less compared to drivers who are more careless.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up before driving could cut 10% or more off PIP or medical payments premium.
  • Bundle and Save – When you have multiple policies with one company you could save as much as 10 to 15 percent.

One last thing about discounts, most discount credits are not given to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, you’re out of luck.

If you would like to choose from a list of companies who offer discounts, click this link.

Four factors that impact insurance rates

Many things are part of the equation when premium rates are determined. A few of the factors are predictable like your driving record, but some are more transparent like your vehicle usage and annual miles driven.

  • Auto insurance policy lapses increase prices – Letting your insurance expire is a guaranteed way to drive up your policy premiums. Not only will you pay higher rates, the inability to provide proof of insurance might get you a hefty fine and possibly a revoked license.
  • Credit history impacts premiums – Credit score is a large factor in your rate calculation. People with very good credit scores tend to be less risk to insure than drivers with bad credit. So if your credit leaves room for improvement, you could potentially save money when insuring your 2016 Volkswagen Beetle Convertible by spending a little time repairing your credit.
  • Is your vehicle theft-ready? – Choosing a vehicle with anti-theft technology or alarm system can help lower your premiums. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms all aid in stopping auto theft.
  • Liability claims can be big – Your policy’s liability coverage is the coverage that protects you if ever a court rules you are at fault for physical damage or personal injury to other. It will provide for a legal defense to defend your case. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so drivers should carry high limits.

When do I need an agent’s advice?

When buying proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether you would benefit from an agent’s advice.

  • When should my teen driver be added to my policy?
  • Does my car insurance cover rental cars?
  • Do all my vehicles need collision coverage?
  • Why am I required to buy high-risk coverage?
  • What if I owe more than I can insure my car for?
  • Is a fancy paint job covered?
  • Do I need an umbrella policy?
  • Does my 2016 Volkswagen Beetle Convertible need full coverage?
  • Are my friends covered when driving my car?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form.

Can you really save if you switch?

Popular insurance coverage providers such as State Farm, Allstate and Geico constantly bombard you with ads in print and on television. They all seem to make an identical promise about saving some big amount just by moving your policy. How is it possible that every company can charge less that you’re paying now? It’s all in the numbers.

Insurance coverage companies look for specific characteristics for the type of driver that will generate a profit. For instance, a driver they prefer might be between 25 and 40, has no tickets, and chooses high deductibles. Any driver that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save money with a new company.

People who don’t measure up to the ideal profile may be required to pay higher premiums and ends up with the customer not purchasing. The wording the ads use say “customers that switch” but not “all drivers who get quotes” save that much. That’s why companies can truthfully advertise the savings.

That is why drivers must compare price quotes frequently. It’s just not possible to know which insurance companies will give you lower premium rates than your current company.

Insurance specifics

Understanding the coverages of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverages – Collision coverage covers damage to your Beetle Convertible resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Auto liability – Liability insurance will cover damage or injury you incur to people or other property in an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as loss of income, funeral expenses, attorney fees and medical expenses. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like nursing services, EMT expenses and dental work. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, vandalism, hail damage, damage from flooding and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage – This coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Volkswagen Beetle Convertible.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

What is YOUR best insurance company?

Budget-friendly car insurance can be purchased from both online companies and from local insurance agents, so you should compare both to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and usually these smaller providers prefer to sell through independent agents.

You just learned some good ideas how you can shop for 2016 Volkswagen Beetle Convertible insurance online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates are with a small local company.

Insureds switch companies for many reasons like denial of a claim, delays in paying claims, being labeled a high risk driver and delays in responding to claim requests. Regardless of your reason, choosing a new company is easier than you think.

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