Cheaper 2015 Volkswagen Beetle Convertible Insurance Quotes

Want the cheapest insurance rates for your Volkswagen Beetle Convertible? Are you sick and tired of robbing Peter to pay Paul to pay your car insurance bill each month? Your situation is no different than many other consumers.

Big companies like State Farm, Allstate, GEICO and Progressive continually hit you with ad campaigns and it is difficult to see past the geckos and flying pigs and do the work needed to find the best deal.

It’s a great practice to take a look at other company’s rates occasionally due to the fact that insurance rates change regularly. If you had the lowest rates for Beetle Convertible coverage last year you can probably find a better price now. Starting now, ignore everything you know about insurance because you’re going to get a crash course in the best methods to properly buy coverages and cut your premium.

If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. Buying car insurance is not rocket science. But car owners can benefit from knowing how companies sell insurance online and take advantage of how the system works.

Do you qualify for a discount?

Companies offering auto insurance don’t list every available discount very clearly, so we took the time to find both well-publicized as well as the least known auto insurance savings.

  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less for Beetle Convertible coverage than drivers with accident claims.
  • Memberships – Affiliation with a professional or civic organization is a good way to get lower rates on your policy for Beetle Convertible coverage.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy qualifies for this discount.
  • Multiple Policy Discount – When you have multiple policies with the same company you may save 10% to 20% off each policy.
  • Discount for New Cars – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Accident Free – Drivers who don’t have accidents pay much less compared to accident-prone drivers.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts until age 25.

Consumers should know that many deductions do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way.

To see a list of companies with discount auto insurance rates, click here to view.

The quickest method we recommend to get rate comparisons takes advantage of the fact auto insurance companies allow for online access to provide you with a free rate quote. The only thing you need to do is provide a small amount of information such as whether you are married, how your vehicles are used, if it has an anti-theft system, and if you require a SR-22. Your insurance information is automatically sent to multiple auto insurance providers and they provide comparison quotes within a short period of time.

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

Your Volkswagen Beetle Convertible insurance rate is a complex equation

An important part of buying insurance is that you know the different types of things that come into play when calculating auto insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in better auto insurance rates.

  • Older drivers save more – Young drivers are statistically proven to be careless and easily distracted behind the wheel so they pay higher auto insurance rates. Having to add a youthful driver to your policy can be very expensive. Older drivers are more cautious drivers, statistically cause fewer accidents and receive fewer citations.
  • Where you live is a factor – Residing in a rural area is a positive aspect when it comes to auto insurance. Drivers in populated areas tend to have more traffic problems and a longer drive to work. Fewer people means a lower chance of having an accident.
  • Higher safety ratings means cheaper insurance – Safer cars are cheaper to insure. Safe vehicles protect occupants better and fewer injuries translates into savings for insurance companies and lower rates for you. If the Volkswagen Beetle Convertible has ratings of a minimum four stars on Safercar.gov you may qualify for a discount.
  • A clean driving record saves money – Drivers who don’t get tickets receive lower rates than their less careful counterparts. Even a single speeding ticket can bump up the cost by as much as thirty percent. If you have dangerous violations such as DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
  • More claims means more premium – If you file claims often, you can expect either higher rates or even cancellation. Auto insurance companies give lower rates to insureds who file claims infrequently. Car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Do you work long hours in a high stress job? – Careers like judges, social workers and financial analysts are shown to have higher average rates attributed to stressful work requirements and long work hours. Conversely, jobs such as farmers, engineers and the unemployed pay the least for Beetle Convertible coverage.
  • No coverage gaps is important – Allowing your coverage to lapse will be a sure-fire way to pay more for auto insurance. Not only will you pay more, getting caught without coverage may earn you a hefty fine and possibly a revoked license.
  • Lower rates with optional equipment – Purchasing a vehicle with a theft deterrent system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.

What coverages do I need?

When buying coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions can help discover whether or not you might need professional guidance.

  • Should I buy more coverage than the required minimum liability coverage?
  • Can I make deliveries for my home business?
  • If my pet gets injured in an accident are they covered?
  • Am I covered if I drive in a foreign country?
  • Who is covered when they drive my 2015 Volkswagen Beetle Convertible?
  • Am I better off with higher deductibles on my 2015 Volkswagen Beetle Convertible?
  • Are rock chip repairs covered?
  • How much liability insurance is required?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Don’t be fooled by advertising claims

Insurance coverage providers like Progressive, Allstate and GEICO constantly bombard you with television and radio advertisements. They all make the same claim about savings if you switch to their company. But how can every company say the same thing? This is how they do it.

All the different companies have a certain “appetite” for the type of driver they prefer to insure. An example of a profitable customer might be profiled as between 25 and 40, has no tickets, and has a short commute. A customer who matches those parameters gets the lowest rates and as a result will probably save quite a bit of money when switching.

Consumers who don’t meet the requirements must pay higher rates and ends up with business not being written. The ad wording is “drivers who switch” not “everyone that quotes” save that much money. That is how companies can truthfully advertise the way they do. This illustrates why you should compare as many rates as you can. It’s not possible to predict which insurance coverage company will provide you with the cheapest Volkswagen Beetle Convertible insurance rates.

Car insurance coverages for a 2015 Volkswagen Beetle Convertible

Knowing the specifics of car insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages available from car insurance companies.

Auto liability insurance – This coverage will cover damages or injuries you inflict on a person or their property that is your fault. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as repair bills for other people’s vehicles, loss of income and funeral expenses. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage – Collision insurance pays for damage to your Beetle Convertible resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

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

Comprehensive insurance covers things such as theft, falling objects and damage from flooding. The most your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like funeral costs, rehabilitation expenses, X-ray expenses, EMT expenses and dental work. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Shop Smart and Save

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced liability limits or collision coverage only to regret that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at the best price while still protecting your assets.

Cheap 2015 Volkswagen Beetle Convertible insurance can be sourced on the web in addition to many insurance agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

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