2016 Volkswagen Beetle Insurance Quotes – 9 Tips for Cheaper Rates

Looking for cheaper car insurance rates for your Volkswagen Beetle? I can’t think of a single person who looks forward to paying premiums for car insurance, especially when they are aware that they could get a better deal.

Online insurance companies like Allstate and Progressive all claim big savings with advertising and it is challenging if not impossible to see past the corporate glitz and take the time to shop coverage around.

Verify you’re earning every discount

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that could drop your premiums quite a bit. Many discounts should be triggered at the time of quoting, but once in a while a discount must be manually applied before you will receive the discount. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Good Students Pay Less – Performing well in school may save you up to 25%. Most companies allow this discount well after school through age 25.
  • Data Collection Discounts – Drivers that enable driving data collection to analyze driving patterns remotely such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if their driving habits are good.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% for Beetle insurance depending on your company.
  • Defensive Driver Discounts – Successfully completing a course that instructs on driving safety could possibly earn you a 5% discount and also improve your driving technique.
  • Accident Forgiveness Coverage – This one isn’t a discount, but a handful of insurance companies may permit one accident without raising rates with the catch being you have to be claim-free for a specific time period.
  • Theft Prevention System – Cars optioned with advanced anti-theft systems are stolen less frequently and will save you 10% or more.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with slightly better premium rates than normal.
  • Distant Student – Children who are attending college and won’t have access to an insured vehicle may qualify for this discount.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a lower auto insurance rate if you buy a life policy as well.

We need to note that most of the big mark downs will not be given to your bottom line cost. Most only reduce the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

Car insurance companies that possibly offer most of the discounts above include:

If you are trying to find cheaper car insurance quotes, ask every prospective company which credits you are entitled to. Discounts might not be available to policyholders in your area.

Insurance buyers beware

Big name companies like Allstate, Geico and Progressive consistently run ads on TV and radio. They all seem to make the same claim about saving some big amount if you change to their company. That’s great but how can every company charge less that you’re paying now? It’s all in how they say it.

Many companies have a certain “appetite” for the type of insured that will be a good risk. One example of a profitable risk profile could possibly be over the age of 50, has a low-risk occupation, and the vehicle is rated for pleasure use. Any new insured who fits those characteristics will get very good prices and will probably save some money.

Potential customers who do not fit those standards must pay higher prices which usually ends up with the driver buying from a lower-cost company. Company advertisements say “drivers who switch” but not “everyone who gets a quote” save the amount stated. That’s why insurance companies can confidently advertise the way they do. Because each company has a different risk profile, drivers should get a wide range of price quotes. It’s impossible to know which insurance companies will provide you with the cheapest premium rates.

When should I discuss my situation with an agent?

When buying proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that can aid in determining if you would benefit from an agent’s advice.

  • Does having multiple vehicles earn me a discount?
  • Is pleasure use cheaper than using my 2016 Volkswagen Beetle to commute?
  • Does insurance cover tools stolen from my truck?
  • When can I cancel my policy?
  • Do all my vehicles need collision coverage?
  • Should I buy full coverage?
  • Are my friends covered when driving my car?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Educate yourself about insurance coverages

Understanding the coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages offered by insurance companies.

Collision coverage protection

Collision coverage pays for damage to your Beetle resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with a tree, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Auto liability insurance

This coverage will cover damage or injury you incur to other people or property in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as legal defense fees, repair bills for other people’s vehicles, structural damage and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as surgery, hospital visits, dental work and nursing services. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, a broken windshield, falling objects and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Buy Smart and Save

Low-cost 2016 Volkswagen Beetle insurance can be purchased from both online companies in addition to local insurance agencies, so you need to quote car insurance with both in order to have the best price selection to choose from. Some companies do not provide online quoting and usually these regional carriers sell through independent agencies.

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. In many cases, an insured cut comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage at the best price.

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