2017 Volkswagen Beetle Insurance Rates in 2024 – 10 Tips to Save

Did budget coverage turn out to be high-priced car insurance? It’s a common feeling and there are lots of residents who feel the same.

Because you have many car insurance companies to choose from, it is very difficult to pick the right insurer.

This information will familiarize you with the most effective way to quote insurance and some tips to save money. If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. But consumers can benefit from knowing how insurance companies price online insurance.

Ten discounts for cheap insurance quotes

Some insurance providers don’t list every discount they offer very well, so the list below details some of the best known in addition to some of the lesser obvious credits available to you.

• Distant College Student Discount – College-age children who live away from home to go to college and do not have a car may be able to be covered for less.
• Multi-policy Discount – If you have multiple policies with one company you could save nearly 15% which can help you find low cost insurance.
• Paperwork-free – A few insurance companies will give a small break for buying your policy on their website.
• Good Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Beetle insurance than their less cautious counterparts.
• Military Rewards – Having a family member in the military could mean lower prices.
• ABS Brakes – Vehicles with ABS braking systems or traction control have fewer accidents and qualify for as much as a 10% discount.
• Full Payment Discount – If you pay your bill all at once rather than spreading payments over time you could save up to 5%.
• Waiver for an Accident – Not necessarily a discount, but certain companies will turn a blind eye to one accident without getting socked with a rate hike if you have no claims before the accident.
• Accident-Free Discounts – Drivers who don’t have accidents have much lower rates in comparison with drivers who are more careless.
• Discount for Life Insurance – If the company offers life insurance, you could get a break if you buy some life insurance too.

You can save money using discounts, but most of the big mark downs will not be given to the entire cost. Some only apply to individual premiums such as liability and collision coverage. So when the math indicates you could get a free insurance policy, companies don’t profit that way.

Popular insurance companies and a selection of discounts are outlined below.

• State Farm includes discounts for Drive Safe & Save, Steer Clear safe driver discount, safe vehicle, multiple autos, anti-theft, and defensive driving training.
• Progressive offers discounts including good student, online signing, continuous coverage, multi-policy, and multi-vehicle.
• Progressive has discounts for online signing, homeowner, good student, online quote discount, multi-policy, and multi-vehicle.
• MetLife offers discounts for claim-free, defensive driver, multi-policy, good driver, and good student.
• Farm Bureau has savings for multi-vehicle, youthful driver, renewal discount, good student, multi-policy, 55 and retired, and driver training.
• GEICO offers premium reductions for anti-lock brakes, multi-vehicle, five-year accident-free, federal employee, good student, and emergency military deployment.
• SAFECO discounts include teen safety rewards, anti-lock brakes, anti-theft, teen safe driver, and bundle discounts.

Double check with all companies you are considering which discounts you qualify for. Some credits may not be available in your area. If you would like to view insurance companies who offer online insurance quotes, enter your zip code here.

Insurance advertising gotchas

Insurance providers like Allstate and Progressive endlessly run ads on television and other media. They all seem to try to convey promises about how much you will save if you move your coverage. How does every insurance company lower your prices? It’s all in how they say it.

Insurance providers are able to cherry pick for the right customer that earns them the most money. For example, a preferred risk might be described as a female over age 40, is a homeowner, and drives less than 10,000 miles a year. A driver who matches those parameters may get the lowest prices and as a result will probably cut their rates substantially.

Potential insureds who are not a match for those standards will be charged higher rates and ends up with the customer not purchasing. If you pay close attention to the ads, they say “customers that switch” not “everyone that quotes” will save that much if they switch. That is how companies can truthfully lure you into getting a quote.

This really illustrates why drivers should get insurance quotes from several different companies. Because you never know with any certainty which company will have the best rates for your profile.

You may need specialized auto insurance coverage

When it comes to choosing the right insurance coverage, there really is not a best way to insure your cars. Every situation is different and your policy should reflect that. Here are some questions about coverages that could help you determine whether you would benefit from an agent’s advice.

• Should I rate my 2017 Volkswagen Beetle as pleasure use or commute?
• I have health insurance so do I need medical payments coverage?
• Am I covered if I wreck a rental car?
• Can my teen drive my company car?
• Is rental equipment covered for theft or damage?
• When does my teenage driver need to be added to my policy?
• Should I buy only the required minimum liability coverage?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out your zip code.

Car insurance policy coverages for a 2017 Volkswagen Beetle

Having a good grasp of car insurance can help you determine the best coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages available from car insurance companies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills such as doctor visits, surgery and funeral costs. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability car insurance

Liability insurance provides protection from damage or injury you incur to people or other property. This insurance protects YOU from legal claims by others. Liability doesn’t cover 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. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like bail bonds, medical services and funeral expenses. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Volkswagen Beetle.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, falling objects and fire damage. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

This coverage will pay to fix damage to your Beetle caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a parking meter, sustaining damage from a pot hole, colliding with another moving vehicle, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Quote often and quote early

Some car insurance companies do not provide online price quotes and these small insurance companies sell through local independent agencies. Budget-conscious 2017 Volkswagen Beetle insurance can be found online as well as from insurance agents, and you should compare rates from both in order to have the best chance of saving money.

We just presented some good ideas how you can reduce 2017 Volkswagen Beetle insurance premium rates online. The most important thing to understand is the more companies you get prices for, the higher the chance of saving money. Drivers may discover the lowest premium rates come from a lesser-known regional company. These companies may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.