2018 Volkswagen Beetle Car Insurance Quotes in 2024

Consumers have many options when looking for the lowest priced Volkswagen Beetle insurance. They can either waste time driving around to get rate comparisons or utilize the internet to make rate comparisons. There is a better way to shop for insurance so you’re going to learn the absolute fastest way to quote coverages for a new or used Volkswagen and obtain the best price possible from local insurance agents and online providers.

It’s smart to quote other rates quite often because insurance rates tend to go up over time. Just because you found the lowest premium rates for Beetle coverage a few years ago there may be better deals available now. There is a lot of bad information regarding insurance out there, but in a few minutes you can learn some of the best techniques to save money.

If you are insured now or need a new policy, you can use these tips to find the best rates and possibly find even better coverage. The purpose of this article is to introduce you to how to get online quotes and some money-saving tips. Drivers just need to understand the best way to find the lowest price on the web.

How to get insurance coverage quotes

Getting cheaper 2018 Volkswagen Beetle insurance coverage pricing can be surprisingly simple. Just invest a few minutes getting comparison quotes from different insurance companies. This is very easy and can be done in a couple of different ways.

One of the fastest ways to find the lowest comparison rates is an all-inclusive rate comparison. This form saves time by eliminating a different quote for each price estimate. One form gets you coverage quotes instantly. Just one form and you’re done.

Another way to compare rate quotes is to take the time to go to the website of each company and go through the quote process again. For instance, we’ll pretend you want to get rates from Allstate, Liberty Mutual and State Farm. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.

The old school way of comparing rate quotes is driving to local insurance agencies. Comparing rates online has made agencies unnecessary unless you have a need for the professional abilities that only a licensed agent can provide. Although you can get the lowest quotes online but purchase the actual policy in an agency.

You can choose any of those ways to find more affordable coverage, but do your best to use the same coverage limits and deductibles on every quote you get. If you have different limits and deductibles on each one it’s impossible to determine the best price for your Volkswagen Beetle.

Does auto insurance advertising bend the truth?

Consumers constantly see and hear ads for auto insurance savings by State Farm, GEICO and Progressive. They all seem to make the point that drivers can save some big amount if you move your coverage to them.

How does every company charge less that you’re paying now? It’s all in the wording.

Insurance companies give the cheapest rates for the right customer that will add to their bottom line. For example, a profitable customer could be over age 30, has no tickets, and has excellent credit. Any new insured that fits those parameters will get the preferred car insurance rates and have a good chance to save money with a new company.

Consumers who don’t measure up to this ideal profile will probably have to pay a higher rate and this results in the customer buying from a different company. The ads state “customers that switch” but not “all drivers who get quotes” save that much money. That is how insurance companies can claim big savings. Different companies use different criteria so drivers must do a rate comparison at every renewal. It is impossible to guess which company will provide the lowest prices.

Car insurance discounts help slash rates

Not too many consumers would say car insurance is affordable, but there could be significant discounts that many people don’t even know exist. A few discounts will be applied when you get a quote, but some need to be asked for in order for you to get them.

• Save with More Vehicles Insured – Purchasing coverage when you have multiple cars on the same car insurance policy could earn a price break for each car.
• Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can receive discounts of up to 25% or more.
• No Accidents – Claim-free drivers pay less as compared to drivers who are more careless.
• Student Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course in school.
• Military Rewards – Having a deployed family member could be rewarded with lower premium rates.
• Waiver for an Accident – Not necessarily a discount, but some insurance companies will let one accident slide before hitting you with a surcharge with the catch being you have to be claim-free for a particular time prior to the accident.

A quick disclaimer, most discounts do not apply to the whole policy. The majority will only reduce individual premiums such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A list of car insurance companies and a selection of discounts include:

• State Farm policyholders can earn discounts including multiple autos, good student, safe vehicle, anti-theft, good driver, and accident-free.
• Progressive has savings for good student, multi-vehicle, multi-policy, online quote discount, homeowner, continuous coverage, and online signing.
• Progressive discounts include good student, multi-policy, multi-vehicle, continuous coverage, online signing, and homeowner.
• MetLife offers discounts including defensive driver, accident-free, claim-free, good driver, multi-policy, good student
• Farm Bureau may offer discounts for 55 and retired, renewal discount, multi-policy, safe driver, and youthful driver.
• GEICO offers discounts for anti-theft, anti-lock brakes, driver training, membership and employees, air bags, seat belt use, and daytime running lights.
• SAFECO offers premium reductions for homeowner, teen safety rewards, accident prevention training, safe driver, teen safe driver, anti-theft, and multi-car.

If you want low cost insurance quotes, ask each company or agent what discounts are available to you. Savings might not apply in your area. If you would like to choose from a list of insurers that can offer you the previously mentioned discounts, enter your zip code here.

Which is the best insurance coverage?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique.

For example, these questions can aid in determining if you would benefit from an agent’s advice.

• What companies insure drivers after a DUI or DWI?
• Do I need added coverage for expensive stereo equipment?
• What discounts do I qualify for?
• What can I do if my company won’t pay a claim?
• Are my friends covered when driving my car?
• Does my car insurance cover rental cars?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete your zip code. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance 101

Understanding the coverages of insurance can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive insurance – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as fire damage, damage from a tornado or hurricane, a broken windshield, vandalism and hitting a deer. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages – Liability insurance will cover damage that occurs to other people or property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability coverage pays for things like medical expenses, legal defense fees, funeral expenses, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is a personal decision, but buy as much as you can afford.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as damaging your car on a curb, driving through your garage door, colliding with a tree, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for bills such as ambulance fees, rehabilitation expenses, surgery, hospital visits and funeral costs. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Be a penny pincher

As you restructure your insurance plan, you should never reduce coverage to reduce premium. In many cases, someone dropped comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. The aim is to buy enough coverage for the lowest cost while not skimping on critical coverages.

Low-cost 2018 Volkswagen Beetle insurance can be purchased online as well as from insurance agents, and you need to price shop both to have the best selection. Some insurance providers do not offer online quoting and these small insurance companies prefer to sell through independent agents.

Insureds who switch companies do it for a number of reasons such as high rates after DUI convictions, an unsatisfactory settlement offer, unfair underwriting practices or extreme rates for teen drivers. Whatever your reason, switching car insurance companies can be less work than you think.