2015 Volkswagen Beetle Convertible Insurance Quotes

Have you finally had enough of trying to scrape together enough money to buy insurance? You are in the same boat as many other drivers.

Since drivers have many options when it comes to insurance, it can be impossible to locate the right insurance company.

Buying car insurance is easy if you know what you’re doing. Just about every vehicle owner who has to buy car insurance should be able to find better rates. Although consumers do need to know the methods companies use to market on the web because it can help you find the best coverage.

How much does car insurance cost?

All major car insurance companies like State Farm, Geico and Progressive make it easy to get coverage prices direct online. Getting prices online is fairly simple as you simply type in your personal and coverage information into the form. Once entered, the quote system gets your credit score and driving record and gives you a price quote based on the data you entered. This makes it easy to compare insurance prices but the time required to go to multiple sites and complete many quote forms gets old quite quickly. But it is imperative to have as many quotes as possible if you want to get the lowest price.

Quote rates the easy way

An easier way to find better car insurance pricing utilizes a single form that analyzes rates from a lot of companies. It saves time, requires less work, and makes comparison shopping much easier. After your information is entered, it gets priced and you can select any one of the returned quotes. If the quotes result in lower rates, you simply finish the application and purchase coverage. It takes just a few minutes to complete and can result in significant savings.

To quickly compare rates now, click here to open in a new tab and enter your vehicle and coverage information. If you have a policy now, it’s recommended you copy deductibles and limits identical to your current policy. This guarantees you will get an apples-to-apples comparison for the exact same coverage.

You may qualify for discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not even know about. Certain credits will be shown at the time of quoting, but some must be manually applied before they will apply.

• Employee of Federal Government – Federal government employees could qualify for a slight premium decrease on Beetle Convertible coverage with select insurance companies.
• Discount for Swiching Early – Some insurance companies reward drivers for switching policies before your current expiration date. You may see this discount when you get car insurance quotes online.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.
• No Claims – Drivers who stay claim-free can save substantially when compared to policyholders that have many claims.
• Safety Restraint Discount – Buckling up and requiring all passengers to buckle up can save up to 15% off the medical payments premium.
• Professional Memberships – Having an affiliation with a professional or civic organization is a simple method to lower premiums on your next insurance coverage statement.
• New Vehicle Savings – Insuring a new car can cost up to 25% less since newer vehicles are generally safer.
• Paper-free Discount – Some insurance companies provide a small discount get car insurance digitally online.
• Low Mileage Discounts – Low annual miles could qualify for slightly better premium rates than normal.

Don’t be shocked that most credits do not apply to the entire cost. Most only cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way.

A few popular companies and some of their more popular discounts can be read below.

• Esurance may have discounts that include anti-theft, anti-lock brakes, online shopper, multi-policy, and emergency road assistance.
• The Hartford offers discounts for vehicle fuel type, bundle, driver training, defensive driver, good student, anti-theft, and air bag.
• AAA includes discounts for anti-theft, multi-policy, pay-in-full, AAA membership discount, good driver, good student, and education and occupation.
• Geico policyholders can earn discounts including membership and employees, driver training, daytime running lights, multi-policy, and seat belt use.
• State Farm offers discounts including passive restraint, driver’s education, Drive Safe & Save, anti-theft, and good student.

Double check with each insurance company which credits you are entitled to. Some discounts might not be available to policyholders in your state. If you would like to view companies with discount insurance coverage rates, follow this link.

There’s no such thing as the perfect insurance coverage policy

When it comes to choosing coverage, there really is no “perfect” insurance plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that may help highlight whether you may require specific advice.

• Can I make deliveries for my home business?
• Is a new car covered when I drive it off the dealer lot?
• Does my policy pay for OEM or aftermarket parts?
• Is a fancy paint job covered?
• Do I need higher collision deductibles?
• What discounts do I qualify for?
• Why does it cost so much to insure a teen driver?

If it’s difficult to answer those questions, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

How you can control Volkswagen Beetle Convertible insurance costs

A large part of saving on car insurance is knowing the rating factors that come into play when calculating the level of your policy premiums. If you understand what controls the rates you pay, this enables informed choices that can earn you cheaper rates. Many different elements are used in the calculation when you get a price on insurance. Most are fairly basic such as your driving history, but other criteria are more transparent such as whether you are married or your commute time.

• Gender impacts costs – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are better drivers. Men and women tend to get into accidents in similar numbers, but the men tend to have higher claims. Men also get higher numbers of serious violations such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and thus pay the highest rates.
• Save money with good credit – A driver’s credit score is a big factor in calculating your car insurance rates. So if your credit can use some improvement, you could save money insuring your 2015 Volkswagen Beetle Convertible by spending a little time repairing your credit. People with very good credit scores tend to be better risks to insure as compared to drivers with lower credit scores.
• Drive lots and pay more – The more miles you rack up on your Volkswagen every year the higher the price you pay to insure it. A lot of insurance companies charge to insure your cars based on their usage. Vehicles that have low annual miles get more affordable rates than cars that get driven a lot. It’s a good idea to make sure your declarations sheet shows the correct usage. Improper usage on your Beetle Convertible can result in significantly higher rates.
• Be proud to be claim-free – Insurance companies award the best rates to insureds who do not rely on their insurance for small claims. If you are a frequent claim filer, you can expect higher premiums or even policy non-renewal. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
• Extra policy coverages are wasting money – Insurance policies have a lot of extra coverages that can waste your money if you aren’t careful. Insurance for rental car coverage, high-cost glass coverage, and Farm Bureau memberships may not be needed and are just wasting money. They may sound like good ideas when deciding what coverages you need, but your needs may have changed so remove them from your policy.

Beware of misleading auto insurance ads

Auto insurance providers like State Farm, Geico and Progressive consistently run ads on TV and radio. They all seem to advertise claims that drivers will save a bundle just by moving your coverage. Is it even possible that every company can make the same claim? Here is the trick they use.

Companies give the best rates for the type of customer that will be a good risk. A good example of a profitable insured might be described as over the age of 45, carries full coverage, and drives a car with an anti-theft system. Any person who matches those parameters will get a cheap rate quote and as a result will probably save some money.

Potential customers who don’t meet the requirements will get a higher premium with the end result being the customer not purchasing. The ad wording is “drivers that switch” not “everyone who quotes” save the amount stated. That’s the way insurance companies can claim big savings. Because of the profiling, you should do a quote comparison often. It’s impossible to know which insurance companies will give you lower car insurance rates than your current company.

Auto insurance coverages

Understanding the coverages of your auto insurance policy can be of help when determining the best coverages for your vehicles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most auto insurance policies.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for bills like funeral costs, ambulance fees, nursing services, hospital visits and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability insurance – Liability coverage can cover injuries or damage you cause to other people or property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as medical services, bail bonds, loss of income, legal defense fees and structural damage. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision – Collision coverage will pay to fix damage to your Beetle Convertible resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, sideswiping another vehicle, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your Volkswagen Beetle Convertible.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a bird, falling objects, damage from a tornado or hurricane, a broken windshield and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

One last thing about your coverage

As you restructure your insurance plan, it’s a bad idea to reduce needed coverages to save money. There are a lot of situations where someone dropped uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. Your objective should be to purchase plenty of coverage for the lowest cost, but do not skimp to save money.

In this article, we presented a lot of ways to compare 2015 Volkswagen Beetle Convertible insurance prices online. The most important thing to understand is the more you quote car insurance, the better your comparison will be. You may even find the lowest priced insurance comes from a small local company. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like Progressive or Geico.

Even more information can be found in the articles below:

• Insuring a Leased Car (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)