Compare 2016 Volkswagen Beetle Convertible Insurance Rates in 2024

Drivers have many options when trying to find the best price on Volkswagen Beetle Convertible insurance. They can either spend hours contacting agents to get rate comparisons or utilize the internet to find the lowest rates. There are more efficient ways to buy auto insurance and you need to know the quickest way to compare rates for your Volkswagen and obtain the lowest price from both online companies and local agents.

It is always a good idea to check auto insurance prices at least once a year because auto insurance prices change frequently. Just because you found the best price for Beetle Convertible coverage a year ago there is a good chance you can find better rate quotes now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the easiest way to find better coverage at a better price.

Low cost insurance price quotes

All the larger insurance companies like State Farm and Allstate allow consumers to get price estimates on their websites. Getting online rates doesn’t take much effort as you just type in your personal and coverage information as detailed in the form. After you submit the form the system pulls information on your driving record and credit history and returns a price based on these factors.

Being able to quote online helps simplify price comparisons, but the time required to go to several different sites and fill out multiple forms is a big time waster. But it’s very important to have as many quotes as possible if you want to find the lowest price.

An easier way to locate the lowest prices uses one form to return rates from more than one company. The form is fast, reduces the work, and makes quoting online much simpler. After your information is entered, your coverage is rated and you can select your choice of the quotes that you receive. If one or more price quotes are lower than your current rates, you simply finish the application and buy the new coverage. It takes 15 minutes at the most and can result in significant savings.

In order to compare pricing, simply enter your zip code here and input your coverage information. If you currently have coverage, we recommend you duplicate your coverages as close as possible to your current policy. This ensures you will get a fair comparison based on the exact same insurance coverage.

Discounts for affordable insurance coverage rates

Car insurance companies don’t necessarily list every discount they offer very well, so we took the time to find a few of the more common as well as the least known credits that you can use to lower your rates.

• Anti-theft Discount – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.
• Memberships – Joining a qualifying organization is a simple method to lower premiums on insurance coverage.
• Discount for Passive Restraints – Factory options such as air bags or motorized seat belts can receive discounts up to 30%.
• Save over 55 – Mature drivers may be able to get lower premium rates for Beetle Convertible coverage.
• Safety Restraint Discount – Forcing all vehicle occupants to fasten their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Homeowners Savings – Owning a home can get you a discount because it is proof of financial responsibility.
• Telematics Devices – Insureds that choose to allow companies to study driving habits by installing a telematics device such as Progressive’s Snapshot could possibly reduce rates if their driving habits are good.
• Buy New and Save – Adding a new car to your policy is cheaper compared to insuring an older model.
• Claim Free – Good drivers with no accidents pay much less as opposed to drivers who are more careless.
• Drive Safe and Save – Drivers without accidents can save as much as half off their rates for Beetle Convertible coverage than less cautious drivers.

A quick disclaimer, some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as comp or med pay. So even though you would think all those discounts means the company will pay you, companies wouldn’t make money that way.

Large insurance coverage companies and a summarized list of policyholder discounts are detailed below.

• State Farm has savings for multiple autos, good student, driver’s education, accident-free, good driver, and anti-theft.
• GEICO offers premium reductions for good student, emergency military deployment, anti-lock brakes, anti-theft, military active duty, daytime running lights, and federal employee.
• Progressive may offer discounts for continuous coverage, homeowner, good student, online signing, multi-vehicle, online quote discount, and multi-policy.
• 21st Century has discounts for 55 and older, automatic seat belts, teen driver, good student, and student driver.
• American Family may include discounts for good driver, air bags, early bird, TimeAway discount, mySafetyValet, and defensive driver.
• The Hartford may have discounts that include defensive driver, vehicle fuel type, driver training, anti-theft, good student, air bag, and bundle.
• AAA offers discounts for anti-theft, education and occupation, good driver, multi-car, and AAA membership discount.

Double check with each company or agent how you can save money. Savings may not apply to policyholders in your state. To see a list of insurance companies offering insurance coverage discounts, enter your zip code here.

You may need specialized insurance coverage

When it comes to choosing the right insurance coverage, there really is not a one size fits all plan. Every situation is different.

For instance, these questions can aid in determining if your situation could use an agent’s help.

• Will filing a claim cost me more?
• Does my insurance cover my expensive audio equipment?
• What is the ISO rating for a 2016 Volkswagen Beetle Convertible?
• Can I afford low physical damage deductibles?
• Am I covered when driving a rental car?
• Should I buy full coverage?
• Who is covered when they drive my 2016 Volkswagen Beetle Convertible?
• Is my 2016 Volkswagen Beetle Convertible covered for smoke damage?
• When should my teen driver be added to my policy?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, complete your zip code. It only takes a few minutes and you can get the answers you need.

What impacts Volkswagen Beetle Convertible insurance prices?

Many things are considered when premium rates are determined. Some factors are common sense such as traffic violations, but some are more transparent like your continuous coverage or how financially stable you are. Smart consumers have a good feel for the different types of things that help determine your insurance rates. If you have a feel for what influences your rates, this enables you to make decisions that will entitle you to much lower annual insurance costs.

• Never have insurance lapses – Having a gap between insurance policy dates will be a sure-fire way to pay more for insurance. In addition to paying higher premiums, not being able to provide proof of insurance will get you fines and jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
• Pay more by driving carelessly – Having a single ticket can increase rates by as much as twenty percent. Good drivers pay lower auto insurance prices than their less careful counterparts. Drivers with serious violations like DUI or willful reckless driving may face state-mandated requirements to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to legally drive.
• Save money by having multiple policies – Many insurance companies allow better rates to customers that purchase more than one policy. It’s known as a multi-policy discount. Even with this discount applied, it’s still a good idea to compare rates to confirm you are receiving the best rates possible. There is a chance you can save even more by insuring with multiple companies.
• Deter car thieves – Selecting a car model with advanced anti-theft systems can save you some money. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop your car from being stolen.
• No policy claims equals cheap rates – Insurance companies generally give discounts to insureds that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can definitely plan on higher rates. Insurance coverage is intended for the large, substantial claims.
• Your career may increase insurance rates – Jobs such as military generals, business owners and emergency personnel generally have higher rates than average due to high stress and lots of time spent away from family. Conversely, careers like scientists, athletes and performers have lower than average premiums for Beetle Convertible coverage.
• Liability insurance preserves assets – The liability coverage on your policy will protect you if ever a jury decides you are liable for damages from an accident. This coverage provides you with a defense in court which can cost a lot. Liability insurance is pretty cheap as compared to coverage for physical damage, so do not skimp.

Auto insurance coverages and their meanings

Learning about specific coverages of a auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverage – Collision coverage pays for damage to your Beetle Convertible caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as sustaining damage from a pot hole, sideswiping another vehicle, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

UM/UIM Coverage – This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Volkswagen Beetle Convertible.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like X-ray expenses, prosthetic devices, funeral costs, ambulance fees and surgery. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Coverage for liability – This can cover damage that occurs to people or other property. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for claims like pain and suffering, attorney fees, loss of income and medical services. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like fire damage, theft, hitting a deer, hitting a bird and a tree branch falling on your vehicle. The most your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Never pay more for less

We’ve covered many tips how you can get a better price on 2016 Volkswagen Beetle Convertible insurance. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from some of the lesser-known companies.

When searching for the cheapest insurance coverage quotes, do not reduce coverage to reduce premium. There have been many cases where someone sacrificed physical damage coverage to discover at claim time that it was a big mistake. The ultimate goal is to get the best coverage possible at the best price while still protecting your assets.

Consumers switch companies for many reasons like policy cancellation, poor customer service, not issuing a premium refund and even high prices. Regardless of your reason, switching insurance coverage companies can be less work than you think.