Cheaper 2013 Volkswagen Beetle Insurance Rates

Comparison shopping for more affordable Driversinsurance coverage is always frustrating for drivers who are beginners to online insurance quotes. With more and more online companies, it can easily turn into a real hassle to compare rates.

If you have car insurance now, you will be able to reduce your rates substantially using these tips. This article will help you learn how to effectively get price quotes and some tricks to saving. But car owners need to have an understanding of the way insurance companies determine prices and use this information to your advantage.

How much is insurance?

To find the best insurance rates, there are several ways of comparing rates from many available insurance companies in your state. The quickest method to comparison shop consists of obtaining rate quotes online. This can be accomplished by using one of the methods below.

1. The fastest way consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This method keeps you from doing boring form submissions for every prospective company. A single form will return price quotes from many national carriers. It’s definitely the quickest method.
2. A more time consuming way to obtain and compare quotes online requires visiting the website for each individual company and fill out their own quote form. For sake of this example, let’s assume you want to compare Allstate, State Farm and Farmers. To get each rate you have to visit each site and enter your policy data, which can get old fast.

   To view a list of companies in your area, click here.

3. The most difficult method to compare price estimates is calling or driving to insurance agents’ offices. Buying insurance online makes this unnecessary unless you have a complicated situation and need the trained guidance that only a licensed agent can provide. Although, it is possible comparison shop your insurance online but still have the advice of a local agent.

Compare rates however you want, just make absolute certain that you use equivalent coverage information on every price quote you get. If your comparisons have different deductibles it will be next to impossible to make a fair rate comparison. Just slight variations in insurance coverages or limits can mean a large discrepancy in price. And when price shopping your coverage, comparing more company’s prices will enable you to find a lower rate. Some regional insurers cannot provide rate quotes online, so it’s necessary to compare price estimates on coverage from those companies, too.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Every insured’s situation is different.

For example, these questions may help highlight whether or not you might need an agent’s assistance.

• Am I covered by my spouse’s policy after a separation?
• Do all my vehicles need collision coverage?
• Can I rent a car in Mexico?
• Am I covered when driving someone else’s vehicle?
• When would I need additional glass coverage?
• Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

Specific coverages for a 2013 Volkswagen Beetle

Understanding the coverages of auto insurance can help you determine the right coverages for your vehicles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

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

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like chiropractic care, hospital visits, dental work, X-ray expenses and pain medications. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a mailbox, colliding with a tree, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

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 and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, a tree branch falling on your vehicle, damage from flooding, damage from a tornado or hurricane and damage from getting keyed. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for liability

Liability coverage protects you from damage that occurs to a person or their property in an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like medical expenses, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is your choice, but consider buying higher limits if possible.