2014 Volkswagen Beetle Insurance Quotes – 10 Ideas for Best Rates

Are you overwhelmed by the wide range of insurance coverage choices? You’re not alone. Consumers have so many choices that it can turn into a real hassle to find the perfect company for you.

It’s a great practice to shop coverage around occasionally since insurance rates tend to go up over time. Just because you found the best price for Beetle coverage on your last policy other companies may now be cheaper. So forget all the misinformation about insurance coverage because we’re going to show you the tricks you need to know to remove unneeded coverages and save money.

Finding affordable coverage is not that difficult. Essentially everyone who carries insurance coverage should be able to lower their premiums. Although car owners should learn how big insurance companies sell insurance online and apply this information to your search.

Compare the Market for Car Insurance

To find the best car insurance prices, there are several ways of comparing rates from local car insurance companies. The best method to find the cheapest 2014 Volkswagen Beetle insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished in a couple of different ways.

  • The recommended way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This easy form keeps you from doing a different quote for each company you want a rate for. One simple form gets you coverage quotes from car insurance companies with the best prices. This is perfect if you don’t have a lot of time.
  • A more time consuming way to analyze rates is to take the time to go to the website for each individual company to complete a price quote. For examples sake, let’s say you want comparison quotes from State Farm, GEICO and GMAC. To get each rate you have to visit each site to enter your coverage information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

  • The least efficient method to compare rates is to spend your day driving to local insurance agencies. The internet makes this process obsolete unless you have a need for the professional advice that only a license agent can provide. You can, however, obtain prices from the web but buy from a local insurance agent and you’ll learn how to do that later.

It’s your choice how you get your quotes, but make absolute certain that you use identical coverage information on every quote. If the quotes have different limits and deductibles on each one it will be impossible to decipher which rate is best. Slightly different limits may result in a large different in cost. Just keep in mind that quoting more will improve the odds of getting the best price.

Beware of misleading insurance ads

Insurance providers like State Farm and Allstate constantly bombard you with ads in print and on television. They all make an identical promise about savings if you switch to them. How can each company make almost identical claims? This is how they do it.

All companies have a certain “appetite” for the driver that earns them a profit. For example, a desirable insured could be a mature driver, a clean driving record, and chooses high deductibles. A driver who meets those qualifications receives the best rates and most likely will save when switching.

Potential customers who do not match these standards will have to pay a more expensive rate which leads to the customer not buying. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much money. This is how insurance companies can confidently make the claims of big savings. Because of the profiling, drivers must get a wide range of price quotes. You cannot predict which insurance company will provide you with the cheapest Volkswagen Beetle insurance rates.

Cut prices on 2014 Volkswagen Beetle insurance

Companies that sell car insurance do not list every discount very well, so we took the time to find both well-publicized and the harder-to-find car insurance savings.

  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company qualifies for this discount.
  • Passive Restraint Discount – Vehicles equipped with air bags can get savings of 20% or more.
  • Discount for Life Insurance – Larger companies have a discount if you purchase a life insurance policy as well.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Defensive Driver – Taking a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for Beetle coverage depending on your company.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck.

To see a list of insurance companies who offer car insurance discounts, click here to view.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Every insured’s situation is different.

For example, these questions might point out if your insurance needs might need an agent’s assistance.

  • What are the best liability limits?
  • Who is covered when they drive my 2014 Volkswagen Beetle?
  • Why am I required to buy liability insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I get a multi-policy discount?
  • Should I rate my 2014 Volkswagen Beetle as pleasure use or commute?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

The coverage is in the details

Understanding the coverages of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement.

Collision insurance

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a building, rolling your car and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive (Other than Collision)

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

Comprehensive can pay for things like a broken windshield, hitting a bird, vandalism and a tree branch falling on your vehicle. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses for hospital visits, X-ray expenses, pain medications, funeral costs and dental work. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Auto liability

Liability insurance can cover damages or injuries you inflict on a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things such as repair costs for stationary objects, medical expenses, funeral expenses and court costs. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

More comparisons equals lower rates

We covered some good ideas how you can save on 2014 Volkswagen Beetle insurance. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising.

As you shop your coverage around, never skimp on critical coverages to save a buck or two. There have been many situations where someone dropped physical damage coverage and learned later that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at the best price while not skimping on critical coverages.

Cheaper insurance is possible online and with local insurance agents, so compare prices from both to have the best chance of lowering rates. Some companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

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