2017 Volkswagen Beetle Convertible Insurance Rates

Consumers have many options when looking for affordable Volkswagen Beetle Convertible insurance. They can either spend hours contacting agents getting price quotes or utilize the internet to compare rates.

There is a right way and a wrong way to find car insurance online so you’re going to learn the quickest way to get price quotes on a Volkswagen and obtain the lowest price.

This article will instruct you on how car insurance quotes work and some tips to save money. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. Drivers just need to learn how to find the lowest price on the web.

Car insurance quotes comparison

There are a lot of ways to compare car insurance prices but there is one way that is less time-consuming than others. You can spend your afternoon talking about coverages with local insurance agents in your area, or you could use online quotes to get pricing more quickly.

Many insurance companies belong to a marketplace that allows shoppers to send in one quote, and each company then returns a price quote. This system prevents you from having to do quote requests to each individual car insurance company.

To fill out one form to compare multiple rates now click to open in new window.

The one downside to comparing rates this way is you cannot specify which companies to get pricing from. If you prefer to choose specific insurance companies to compare, we put together a list of companies who write car insurance in your area. Click here to view list.

It doesn’t matter which method you choose, just make sure you compare the same coverages for every company. If you use differing limits you can’t possibly make a fair rate comparison.

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Insurance coverage myths debunked

Consumers can’t get away from ads that claim the lowest car insurance rates by Progressive, Geico, Allstate and State Farm. All the companies tend to make the same promise that you can save just by moving your insurance coverage coverage to their company.

How can each company give you a lower rate?

All the different companies have specific guidelines for the type of driver that makes them money. For instance, a preferred risk may need to be between 30 and 50, owns a home, and chooses high deductibles. Any driver who fits those characteristics receives the best premium rates and will also save when they switch companies.

People who cannot meet these stringent criteria may receive a higher premium which usually ends up with business going elsewhere. If you listen to the ad wording, they say “customers that switch” but not “everyone who gets a quote” will save that much if they switch. This is how insurance companies can claim big savings.

This emphasizes why it is so important to do a price quote comparison at every renewal. It is just not possible to predict which insurance coverage company will have the lowest rate quotes.

Insurance coverage companies offer many types of discounts

Auto insurance companies do not advertise every discount they offer very clearly, so here is a list a few of the more well known in addition to some of the lesser obvious discounts you could be receiving when you buy car insurance online.

• Telematics Data Discounts – Drivers who agree to allow companies to scrutinize vehicle usage by using a telematics device such as Progressive’s Snapshot could save a few bucks as long as they are good drivers.
• No Claim Discounts – Insureds who avoid accidents and claims have much lower rates when compared to accident-prone drivers.
• Professional Memberships – Joining specific professional or occupational memberships or organizations could qualify you for a break on your next insurance coverage statement.
• Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
• More Vehicles More Savings – Purchasing coverage when you have multiple cars on one policy may reduce the rate for each vehicle.
• Anti-lock Brake Discount – Vehicles that have steering control and anti-lock brakes can avoid accidents and the ABS can save up to 10%.
• Low Mileage – Keeping the miles down on your Volkswagen could earn better insurance coveragerates on cars that stay parked.
• Payment Discounts – By making one initial payment instead of paying each month you can avoid the installment charge.

You should keep in mind that most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. Despite the fact that it seems like you could get a free insurance coverage policy, that’s just not realistic.

A list of insurance coverage companies and some of their more popular discounts include:

• Geico may have discounts that include good student, defensive driver, membership and employees, daytime running lights, five-year accident-free, and federal employee.
• MetLife policyholders can earn discounts including defensive driver, good student, multi-policy, good driver, accident-free, and claim-free.
• Progressive has savings for homeowner, online signing, multi-vehicle, multi-policy, and good student.
• Travelers offers premium reductions for home ownership, new car, save driver, driver training, good student, and multi-car.
• SAFECO includes discounts for drive less, anti-lock brakes, bundle discounts, accident prevention training, safe driver, and multi-car.
• AAA has discounts for anti-theft, education and occupation, AAA membership discount, multi-policy, pay-in-full, multi-car, and good student.

When comparing rates, check with each company or agent which discounts can lower your rates. Depending on the company, some discounts may not be available in your state. For a list of insurance coverage companies who offer insurance coverage discounts, click here to view.

Do I just need basic coverages?

When it comes to choosing coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out if you might need professional guidance.

• Does my policy pay for OEM or aftermarket parts?
• Do I need PIP coverage since I have good health insurance?
• How high should my uninsured/underinsured coverage be in my state?
• Are rental cars covered under my policy?
• Is there coverage for injuries to my pets?
• When would I need additional glass coverage?
• Do I have coverage if my license is suspended?
• Do I pay less if my vehicle is kept in my garage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

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Car insurance coverages for a 2017 Volkswagen Beetle Convertible

Learning about specific coverages of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Auto liability – Liability insurance provides protection from damages or injuries you inflict on a person or their property in an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as court costs, repair costs for stationary objects, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

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

Comprehensive can pay for things like hitting a deer, falling objects, damage from a tornado or hurricane and fire damage. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision – This covers damage to your Beetle Convertible caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a ditch, colliding with another moving vehicle, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – This provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Beetle Convertible.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for bills such as pain medications, surgery, prosthetic devices and hospital visits. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Be Smart and Buy Smart

We just showed you many ideas to lower your 2017 Volkswagen Beetle Convertible insurance rates. The key concept to understand is the more you quote car insurance, the higher your chance of finding cheap car insurance. Consumers may even find the lowest priced car insurance comes from a small mutual company.

As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice liability limits or collision coverage and found out when filing a claim that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.

Drivers leave their current company for a number of reasons such as extreme rates for teen drivers, denial of a claim, unfair underwriting practices or even high rates after DUI convictions. Regardless of your reason, choosing a new insurance company is not as hard as you think.

Even more information is located at these sites:

• Teen Driving Statistics (Geico)
• All About Airbag Safety (State Farm)
• What Does No-Fault Insurance Cover? (Allstate)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Where can I buy Insurance? (Insurance Information Insitute)

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