Cheap 2017 Volkswagen Beetle Convertible Car Insurance Cost

Have you had enough of trying to scrape together enough money to insure your Volkswagen every month? Your situation is no different than millions of other drivers. Many insurers compete for your hard-earned dollar, so it’s not easy to compare every insurer to discover the definitive best price available.

Cheap auto insurance

There are multiple methods to compare auto insurance prices but there is one way that is more efficient than others. You can waste a lot of time talking to local insurance agents in your area, or you could use online quotes to get rates in a matter of minutes.

All the larger companies belong to a marketplace that enables customers to complete one form, and each participating company then returns a price quote based on that information. This saves time by eliminating form submissions to each company. To fill out one form to compare multiple rates now click here to open in new window.

The one disadvantage to doing it this way is buyers cannot specifically choose the companies to get pricing from. So if you want to choose individual companies to receive pricing from, we have assembled a list of companies who write auto insurance in your area. Click to view list.

Take whichever approach you prefer, but try to use equivalent quote data for each price quote. If the quotes have mixed coverages it will be next to impossible to determine which rate is truly the best.

Informed drivers know how to get auto insurance at a discount

Consumers need to have an understanding of the factors that go into determining the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that can help you get lower rates.

The following are a partial list of the pieces used by insurance companies to determine premiums.

  • Traffic violations can be expensive – Even a single driving citation can bump up the cost by as much as twenty percent. Drivers who don’t get tickets tend to pay less for car insurance as compared to careless drivers. Drivers with multiple violations such as hit and run, DWI or reckless driving convictions may be required to prove financial responsibility with their state’s department of motor vehicles in order to prevent their license from being revoked.
  • Keep policy claims to a minimum – If you are a frequent claim filer, you can expect much higher rates or policy non-renewal. Auto insurance companies give better rates to insureds who only file infrequent claims. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Lower rates for married couples – Your spouse helps lower the price when buying auto insurance. Having a spouse means you’re less irresponsible it has been statistically shown that married drivers tend to file fewer claims.
  • Stress out and pay more – Occupational choices like lawyers, business owners and financial analysts have the highest average rates due to high stress levels and long work days. Conversely, careers like scientists, athletes and retirees generally pay rates lower than average for Beetle Convertible insurance.
  • Eliminate unneeded incidental coverages – There are a lot of additional coverages that sound like a good idea at the time if you don’t pay attention. Insurance for things like vanishing deductibles, better glass coverage, and term life insurance are examples of these. These coverages may sound good initially, but if you have no use for them eliminate the coverages to reduce your premium.
  • Females tend to take less risk – Statistics show that women are safer drivers than men. This data doesn’t prove that women are BETTER drivers than men. Women and men are in at-fault accidents in similar percentages, but guys cause more damage. Men also statistically have more aggressive citations like DUI and reckless driving. Male drivers age 16 to 19 have the highest risk to insure and thus pay the highest rates.
  • Good credit equals lower prices – Having a good credit history will be a significant factor in determining premium rates. Insureds with very good credit scores tend to be better drivers and file fewer claims than drivers with poor credit scores. If your credit score is not that good, you could be paying less to insure your 2017 Volkswagen Beetle Convertible by improving your credit score.
  • Premiums are affected by your address – Residing in areas with lower population may provide you with better prices when talking about auto insurance. Urban drivers regularly have traffic congestion and longer commutes to work. Fewer drivers on the road corresponds to lower accident rates and lower theft and vandalism rates.

Find hidden discounts to get affordable insurance quotes

Insurance is not inexpensive, but you may be missing some discounts that you may not even be aware of. Many discounts should be triggered at the time you complete a quote, but some need to be inquired about in order for you to get them.

  • Safe Driver Discounts – Insureds who avoid accidents can save up to 40% or more on their car insurance quote for Beetle Convertible insurance than drivers with accidents.
  • No Accidents – Claim-free drivers are rewarded with significantly better rates on car insurance quote in comparison to drivers who are more careless.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks on one policy qualifies for this discount.
  • Low Mileage Discounts – Keeping the miles down on your Volkswagen can earn lower rates on the low mileage vehicles.
  • Theft Deterent Discount – Cars, trucks, and SUVs that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Discount for New Cars – Adding a new car to your policy can save you some money because newer models have to meet stringent safety requirements.
  • Renewal Discounts – Some companies provide a discount for buying a policy before your current policy expires. The savings is around 10%.
  • Telematics Devices – Insureds that choose to allow their company to study their driving habits by using a telematic data system such as State Farm’s In-Drive may see discounts if they show good driving skills.

Don’t be surprised that some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as comprehensive or collision. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way.

A list of companies and a partial list of their discounts are outlined below.

  • American Family may offer discounts for air bags, TimeAway discount, good student, good driver, defensive driver, and accident-free.
  • Nationwide policyholders can earn discounts including multi-policy, Farm Bureau membership, family plan, defensive driving, anti-theft, and good student.
  • MetLife has discounts for good student, multi-policy, good driver, accident-free, and defensive driver.
  • 21st Century offers discounts for anti-lock brakes, driver training, defensive driver, teen driver, automatic seat belts, and theft prevention.
  • Farmers Insurance includes discounts for bundle discounts, youthful driver, electronic funds transfer, business and professional, teen driver, pay in full, and homeowner.
  • Allstate offers premium reductions for auto/life discount, passive restraint, teenSMART discount, early signing, EZ pay plan discount, new car, and senior citizen.

When comparing rates, check with each company or agent which discounts can lower your rates. Some credits may not apply in your area. To see a list of insurers with the best insurance discounts, follow this link.

Tailor your auto insurance coverage to you

When choosing coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions might point out whether your personal situation might need professional guidance.

  • What if I don’t agree with a claim settlement offer?
  • Why am I required to get a high-risk car insurance policy?
  • How much underlying liability do I need for an umbrella policy?
  • Who is covered when they drive my 2017 Volkswagen Beetle Convertible?
  • When should I drop full coverage on my 2017 Volkswagen Beetle Convertible?
  • What if I total my 2017 Volkswagen Beetle Convertible and owe more than it’s worth?
  • Do I need higher collision deductibles?
  • How can I find cheaper teen driver insurance?
  • Am I covered if I hit my neighbor’s mailbox?
  • Should I get collision insurance on every vehicle?

If you can’t answer these questions, then you may want to think about talking 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 specifics

Having a good grasp of your car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages available from car insurance companies.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, vandalism and hitting a bird. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for expenses for things like pain medications, X-ray expenses, hospital visits, funeral costs and dental work. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability coverage – This coverage can cover damage that occurs to a person or their property in an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like loss of income, bail bonds and medical services. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Collision coverages – This coverage will pay to fix damage to your Beetle Convertible caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a building, rolling your car, scraping a guard rail, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Volkswagen Beetle Convertible.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

A fool and his money are soon parted

As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. There have been many cases where an accident victim reduced uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your aim should be to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

Discount 2017 Volkswagen Beetle Convertible insurance is definitely available both online in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not offer online quoting and most of the time these smaller companies only sell through independent agents.

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