2014 Volkswagen Beetle Convertible Insurance Quotes

Looking for cheaper car insurance rates for your Volkswagen Beetle Convertible? Nobody gets a kick out of paying for car insurance, especially knowing the prices are way too high. Vehicle owners have multiple car insurance companies to purchase coverage from, and though it is a good thing to have a selection, more choices can make it harder to find the lowest cost provider.

It’s a great practice to do rate comparisons at least once a year because car insurance prices change frequently. Just because you had the best rate for Beetle Convertible coverage at your last renewal there may be better deals available now. You can search a lot of car insurance online, but you can learn some of the best ways to slash your car insurance rates.

Compare quotes for auto insurance

Effectively comparing auto insurance prices can be exhausting if you don’t understand the most efficient way. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you could use the internet to quickly compare rates.

Most of the best insurance companies enroll in a system where prospective buyers enter their coverage request one time, and each company provides a quote based on that data. This system prevents you from having to do quote forms for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The only downside to getting quotes like this is buyers cannot specifically choose the insurers to get pricing from. If you wish to select specific insurance companies for rate comparison, we have assembled a list of companies who write auto insurance in your area. Click to view list.

The method you choose is up to you, but do your best to enter identical quote data for each quote you get. If you are comparing different data it will be next to impossible to get a fair rate comparison.

Are you qualifying for every discount?

Auto insurance companies don’t always advertise every policy discount very well, so the following is a list of both the well known in addition to some of the lesser obvious credits available to bring down your rates.

• Safe Driver Discounts – Drivers who don’t get into accidents can save as much as half off their rates for Beetle Convertible coverage than drivers with accidents.
• Defensive Driving Course – Taking part in a course in defensive driver can save you 5% or more and easily recoup the cost of the course.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them complete a driver education course in high school.
• E-sign – A few larger online companies will give you a small discount for buying your policy on the web.
• Passive Restraints – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 25 to 30%.
• Government Employees – Active or former government employment could provide a small rate reduction for Beetle Convertible coverage with a few auto insurance companies.
• Discount for Swiching Early – Some insurance companies provide a discount for switching companies prior to the expiration date on your current policy. It can save you around 10%.
• Good Student Discount – This discount can get you a discount of up to 25%. The good student discount can last until age 25.
• Discount for Life Insurance – If the company offers life insurance, you could get a discounted rate on car insurance if you buy auto and life insurance together.
• Discount for Multiple Policies – If you insure your home and vehicles with one insurance company you will save as much as 10 to 15 percent.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, you aren’t that lucky. Any amount of discount should help lower the amount you have to pay.

Large auto insurance companies and a partial list of their discounts are detailed below.

• State Farm includes discounts for safe vehicle, defensive driving training, multiple policy, Drive Safe & Save, accident-free, and good driver.
• Geico discounts include military active duty, emergency military deployment, multi-vehicle, anti-theft, seat belt use, federal employee, and defensive driver.
• SAFECO may offer discounts for multi-car, homeowner, anti-lock brakes, teen safety rewards, drive less, anti-theft, and accident prevention training.
• Farmers Insurance offers discounts including multi-car, youthful driver, business and professional, distant student, and alternative fuel.
• AAA may have discounts that include good student, anti-theft, good driver, education and occupation, and multi-car.
• USAA offers premium reductions for vehicle storage, new vehicle, annual mileage, military installation, loyalty savings, family discount, and good student.

When quoting, ask each insurance company how many discounts you can get. Savings might not be offered in your state. To see a list of insurance companies who offer cheap auto insurance quotes, click here to view.

When in doubt talk to an agent

When choosing proper insurance coverage, there is no “perfect” insurance plan. Every situation is different and your policy should reflect that. For instance, these questions may help highlight if your situation will benefit from professional help.

• Are all vehicle passengers covered by medical payments coverage?
• Is my custom paint covered by insurance?
• How much liability insurance is required?
• Do I pay less if my vehicle is kept in my garage?
• Do I need PIP coverage since I have good health insurance?
• How high should my medical payments coverage be?
• Are my tools covered if they get stolen from my vehicle?
• Is other people’s property covered if stolen from my vehicle?
• Is my cargo covered for damage or theft?
• When would I need additional glass coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Coverage specifics

Knowing the specifics of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. These are typical coverages found on most car insurance policies.

Auto collision coverage

This coverage pays for damage to your Beetle Convertible from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills for things like ambulance fees, doctor visits, chiropractic care, surgery and nursing services. They are utilized in addition to your health insurance program or if there is no health insurance coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from getting keyed, hail damage, vandalism and hitting a deer. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability auto insurance

Liability insurance will cover damages or injuries you inflict on other people or property in an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as attorney fees, medical expenses, repair costs for stationary objects, loss of income and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.