How Much Does 2013 Volkswagen Beetle Insurance Cost?

Looking for better auto insurance rates for your Volkswagen Beetle? Purchasing low-cost auto insurance online can be rather challenging for consumers not familiar with buying insurance online. With dozens of choices, how can anyone have a chance to compare every company to locate the lowest rates?

It’s a great practice to compare rates quite often since rates change frequently. Even if you got the lowest price on Beetle insurance last year the chances are good that you can find a lower rate today. So block out anything you think you know about auto insurance because we’re going to show you the only way to reduce your cost while increasing coverage.

The quickest method to get policy rate comparisons utilizes the fact most of the bigger providers participate in a system to provide you with a free rate quote. The only thing you need to do is provide information like the ages of drivers, if you went to college, if you’re married, and your job. Your details gets sent immediately to multiple different insurance companies and you will receive price estimates instantly.

Are insurance coverage companies telling the truth?

Insurance coverage companies such as Progressive, Geico, Allstate and State Farm regularly use television and radio advertisements. They all seem to make an identical promise about savings if you move your coverage to them. How can each company say the same thing? This is how they do it.

All companies are able to cherry pick for the right customer that makes them money. For instance, a preferred risk might be profiled as over the age of 50, owns a home, and has a short commute. A propective insured who matches those parameters is entitled to the best price and therefore will pay quite a bit less when switching companies.

Potential customers who don’t qualify for this ideal profile will be charged more money and ends up with business going elsewhere. The ad wording is “people who switch” not “everyone that quotes” save money. This is how insurance companies can confidently make those claims.

That is why drivers must get a wide range of price quotes. It’s impossible to know which company will fit your personal profile best.

Don’t miss these discounts

The cost of insuring your cars can be expensive, but there are discounts available that many people don’t even know exist. Certain discounts will be applied at quote time, but a few need to be specifically requested before they will apply.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you may earn up to 20% off your total premium.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Volkswagen could be rewarded with a substantially lower rate.
  • Safety Course Discount – Taking a course in driver safety could save 5% or more if your company offers it.

It’s important to understand that most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way. But any discount will reduce the amount you have to pay.

A partial list of companies that may offer these benefits may include but are not limited to:

Before buying, ask all companies you are considering which discounts they offer. Savings may not apply in your area.

When might I need help?

When it comes to choosing adequate coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

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

  • Is my camper covered by my car insurance policy?
  • What can I do if my company won’t pay a claim?
  • Do I benefit by insuring my home with the same company?
  • Is my nanny covered when driving my vehicle?
  • If my 2013 Volkswagen Beetle is totaled, can I afford another vehicle?
  • Does my insurance cover a custom paint job?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Car insurance coverage specifics

Knowing the specifics of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision insurance

Collision coverage will pay to fix damage to your Beetle caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like driving through your garage door, sideswiping another vehicle, sustaining damage from a pot hole, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses such as EMT expenses, nursing services and pain medications. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Coverage for liability

Liability coverage protects you from damages or injuries you inflict on other people or property that is your fault. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as repair bills for other people’s vehicles, medical expenses and funeral expenses. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Comprehensive auto coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, fire damage, hitting a bird, damage from flooding and hail damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

A penny earned…

Insureds switch companies for any number of reasons including high prices, poor customer service, extreme rates for teen drivers or even high rates after DUI convictions. It doesn’t matter what your reason, finding a new insurance company is easier than you think.

Lower-priced 2013 Volkswagen Beetle insurance can be found both online and with local insurance agents, and you need to price shop both to get a complete price analysis. Some insurance providers do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

As you prepare to switch companies, it’s very important that you do not buy less coverage just to save a little money. In many cases, an insured dropped physical damage coverage and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at the best price while still protecting your assets.

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