2016 Volkswagen Beetle Insurance Quotes – 9 Policy Discounts

Looking for the cheapest insurance rates for your Volkswagen Beetle? Sick and tired of wondering where the money will come from to make your insurance payment? You are in the same boat as many other drivers.

People have many auto insurance companies to pick from, and though it is a good thing to have a selection, it can be more difficult to find the best rates for your vehicles.

You should take the time to check insurance prices every six months due to the fact that insurance prices change regularly. Just because you had the lowest price for Beetle coverage on your last policy a different company probably has better rates today. Forget anything you know (or think you know) about insurance because you’re about to find out one of the best ways to find the best coverage while lowering your premiums.

The best way to compare car insurance company rates is to understand most of the larger companies pay for the opportunity to give free rates quotes. To get started, all you need to do is provide a little information like how much coverage you want, how your vehicles are used, if you went to college, and any included safety features. That rating information is sent automatically to multiple different insurance companies and you will receive price estimates instantly.

To compare rates now, click here and enter your zip code.

But they said I’d save $393 a year!

Companies like State Farm, Geico and Progressive consistently run television and radio advertisements. They all convey the message that drivers will save a bundle just by switching to them. It sounds good, but how can they all make almost identical claims? Just pay attention to how they say it.

Companies are able to cherry pick for the type of driver that will most likely be profitable. A good example of a profitable insured might be a female over age 40, insures multiple vehicles, and has excellent credit. Any person who matches those parameters receives the best premium rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who do not fit this ideal profile will probably have to pay higher prices with the end result being the customer buying from a different company. If you pay attention, the ads say “drivers who switch” not “everyone who quotes” can save as much as they claim. That’s the way companies can lure you into getting a quote.

Each company has different criteria, so drivers must get a wide range of price quotes. It’s not possible to predict which insurance companies will give you the biggest savings.

Save money with these nine discounts

Insurance coverage is not cheap nor is it fun to buy but there’s a good chance there are discounts that may help make it more affordable. Many discounts should be triggered at the time of quoting, but lesser-known reductions have to be asked about before they will apply.

• Good Drivers – Insureds who avoid accidents may receive a discount up to 45% for Beetle coverage compared to rates paid by drivers with frequent claims.
• 55 and Retired – If you qualify as a senior citizen, you are able to get a discount up to 10% for Beetle coverage.
• Discount for Passive Restraints – Vehicles equipped with air bags may get savings up to 30%.
• Homeowners Pay Less – Owning your own home or condo can save you money because owning a home is proof of financial responsibility.
• Auto/Life Discount – If the company offers life insurance, you could get a small discount if you purchase life insurance.
• Student in College – living away from home attending college and do not have a car may be able to be covered for less.
• Driver Training Discounts – Taking a course teaching safe driver skills is a good idea and can lower rates and easily recoup the cost of the course.
• E-sign Discounts – A few larger online companies will give a small break for buying a policy and signing up on the internet.
• Military Rewards – Having a family member in the military can result in better rates.

It’s important to understand that most discount credits are not given to all coverage premiums. Some only apply to specific coverage prices like comp or med pay. Just because you may think you would end up receiving a 100% discount, you aren’t that lucky.

A list of insurance coverage companies and their possible discounts are:

• Farmers Insurance may offer discounts for good student, homeowner, business and professional, switch companies, teen driver, multi-car, and mature driver.
• Esurance may include discounts for good student, anti-theft, Switch & Save, renters, emergency road assistance, online quote, and DriveSense.
• State Farm has savings for student away at school, driver’s education, good student, defensive driving training, and Steer Clear safe driver discount.
• Geico has discounts for five-year accident-free, federal employee, anti-lock brakes, military active duty, air bags, defensive driver, and emergency military deployment.
• Allstate policyholders can earn discounts including anti-lock brakes, good student, good payer, multi-policy, resident student, economy car, and defensive driver.

It’s a good idea to ask every prospective company which discounts they offer. Some discounts listed above might not be available to policyholders in your area. If you would like to choose from a list of companies that offer many of these discounts, click here to view.

Insurance coverage can be complex

When choosing proper insurance coverage, there is no perfect coverage plan. Every situation is different so your insurance should reflect that For instance, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

• Am I covered if I drive in a foreign country?
• Does insurance cover tools stolen from my truck?
• Do all my vehicles need collision coverage?
• Is my custom paint covered by insurance?
• Do I need PIP coverage since I have good health insurance?
• Is business property covered if stolen from my car?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Detailed coverages of your insurance policy

Understanding the coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types available from insurance companies.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a deer, falling objects, vandalism and hitting a bird. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability car insurance – This coverage protects you from injuries or damage you cause to a person or their property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things like medical services, repair bills for other people’s vehicles, bail bonds, medical expenses and attorney fees. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Collision – This pays for damage to your Beetle resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a ditch, colliding with a tree, crashing into a building and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for bills such as X-ray expenses, chiropractic care, funeral costs and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Volkswagen Beetle.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

At the end of the day…

The cheapest 2016 Volkswagen Beetle insurance is definitely available both online as well as from independent agents, so you need to quote insurance with both to have the best rate selection. A few companies may not provide rate quotes online and usually these smaller providers provide coverage only through independent insurance agencies.

We just presented a lot of tips how to save on 2016 Volkswagen Beetle insurance. The key concept to understand is the more companies you get car insurance rates for, the higher your chance of finding the cheapest insurance. Consumers could even find that the lowest rates come from some of the lesser-known companies. They may only write in your state and offer lower car insurance rates as compared to the big name companies such as State Farm, Geico and Nationwide.

When getting insurance quotes online, don’t be tempted to buy poor coverage just to save money. In many cases, consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at the best price, not the least amount of coverage.

Additional insurance information can be read at the links below

• What is Gap Insurance? (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• Safety Features for Your New Car (State Farm)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)