Cheap 2019 Volkswagen Beetle Convertible Insurance Rates in 2024

Are you overwhelmed by the wide range of insurance coverage choices? Drivers have so many choices that it can really be a difficult challenge to locate the lowest premium rates.

Lower your insurance rates with discounts

Companies do not advertise every policy discount in a way that’s easy to find, so we researched a few of the more well known as well as some of the hidden savings tricks you should be using when you buy auto insurance online.

• Accident Free – Drivers who stay claim-free pay much less when compared to policyholders that have many claims.
• Club Memberships – Being a member of a civic or occupational organization could earn you a nice discount on insurance.
• Online Discount – A handful of larger companies will give you a small discount get auto insurance online.
• Early Payment Discounts – If you pay your bill all at once rather than paying in monthly installments you may have a lower total premium amount.
• Multiple Policy Discount – When you combine your auto and home insurance and place coverage with the same company they may give you a discount of at least 10% off all policies.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. Most only reduce specific coverage prices like comp or med pay. Despite the fact that it seems like you would end up receiving a 100% discount, you won’t be that lucky. But any discount will positively reduce your premiums.

A few companies that may offer quotes with many of the previously listed discounts include:

• GEICO
• USAA
• Progressive
• American Family
• Esurance
• Farmers Insurance
• State Farm

When comparing rates, check with all the companies the best way to save money. All car insurance discounts may not apply to policyholders everywhere.

Ways to get car insurance price quotes

When looking for affordable auto insurance quotes, there are a couple ways of comparing rate quotes from many car insurance companies in your state. The fastest way to do a complete rate comparison involves getting comparison quotes online. This can be accomplished in several different ways.

• The recommended way consumers can make multiple comparisons is to use a rate comparison form. This easy form saves time by eliminating repetitive form submissions for each company. In just a few minutes this one form gets prices estimates direct from many companies. Recommended for those who want to invest the least amount of time.
• A less efficient way to analyze rates is to manually visit the website for each individual company and repeat the quote process again and again. For instance, we’ll pretend you want to see prices from Auto-Owners, Esurance and Progressive. To do that, you would have to go to each individual site to input your insurance information, which is why first method is recommended.

Take whichever approach you prefer, but ensure you’re using nearly identical coverages and limits with every price quote. If the quotes have different deductibles then you won’t be able to find the best deal for your Volkswagen Beetle Convertible. Having just a slight variation in coverage limits could throw off the whole comparison. Just remember that comparing all the rates in your area increases your odds of finding more affordable rates. Some smaller insurers to not give rate quotes online, so you should also compare prices from those companies as well.

Why smart buyers pay less for Volkswagen Beetle Convertible insurance

Lots of things are taken into consideration when quoting car insurance. Some factors are common sense such as traffic violations, but other criteria are not as apparent like your continuous coverage or how safe your car is.

• Policy add-ons may not be needed – There are many extra coverages that sound like a good idea at the time but may not be useful. Coverages like coverage for rental cars, towing, and Farm Bureau memberships may not be needed and are just wasting money. They may seem good when buying your policy, but if you don’t need them get rid of them and save.
• Gender and auto insurance – Over the last 50 years, statistics have shown females are less aggressive when driving. This data doesn’t prove that women are BETTER drivers than men. Males and females are responsible for at-fault accidents in similar numbers, but the males have accidents that have higher claims. In addition to higher claims, males also have more aggressive citations like DUI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.
• Higher rates for stressful occupations – Did you know that where you work can have an impact on rates? Jobs like real estate brokers, architects and stock brokers are shown to have the highest rates because of high stress levels and long work days. Conversely, professions such as professors, engineers and retirees pay lower than average rates on Beetle Convertible coverage.
• Save by driving vehicles with better crash test results – Cars with five star safety ratings get lower rates. Safer cars protect occupants better and reduced instances of injuries means less money paid by your insurance company and cheaper rates on your policy. If your Volkswagen scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.

You are unique and your insurance should be too

When buying the best insurance coverage, there really is no best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight if your insurance needs may require specific advice.

• When would I need additional glass coverage?
• Is my ex-spouse still covered by my policy?
• Am I covered if I hit my neighbor’s mailbox?
• Will my vehicle be repaired with OEM or aftermarket parts?
• How much underlying liability do I need for an umbrella policy?
• Am I covered when using my vehicle for business?
• Should I bundle my homeowners policy with my auto?
• Am I better off with higher deductibles on my 2019 Volkswagen Beetle Convertible?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete your zip code.

Car insurance coverage information

Learning about specific coverages of a auto insurance policy aids in choosing which coverages you need for your vehicles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, fire damage, a broken windshield and damage from a tornado or hurricane. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently these limits do not exceed the liability coverage limits.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses like surgery, X-ray expenses and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision coverage covers damage to your Beetle Convertible resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as driving through your garage door, crashing into a ditch, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Auto liability

This coverage can cover damage that occurs to people or other property. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as repair bills for other people’s vehicles, medical expenses, bail bonds, attorney fees and emergency aid. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Keep this in mind

When shopping online for auto insurance, it’s very important that you do not reduce coverage to reduce premium. Too many times, an insured dropped comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. The aim is to get the best coverage possible at the best price while still protecting your assets.

Discount 2019 Volkswagen Beetle Convertible insurance can be sourced both online as well as from independent agents, so you should compare both so you have a total pricing picture. Some companies may not have rates over the internet and usually these regional carriers prefer to sell through independent agents.

In this article, we covered a lot of tips how to reduce 2019 Volkswagen Beetle Convertible insurance car insurance rates online. It’s most important to understand that the more quotes you get, the better likelihood of getting low cost auto insurance. You may even discover the lowest priced auto insurance comes from an unexpected company.