Have you fallen victim to an overpriced insurance policy? Believe me when I say you’re not the only one. Lots of insurers contend for your insurance dollar, so it’s not easy to compare every provider and uncover the absolute lowest cost out there.
You should make it a habit to price shop coverage once or twice a year because insurance rates are constantly changing. If you had the lowest rates on Beetle insurance two years ago the chances are good that you can find a lower rate today. Forget all the misinformation about insurance because you’re about to find out how to use the internet to eliminate unnecessary coverages and save money.
There are a lot of ways to compare car insurance prices but there is one way that is less labor-intensive and much quicker. You could waste a few hours discussing policy coverages with agents in your area, or you could use online quotes to get the quickest rates.
The majority of car insurance companies belong to an insurance system where insurance shoppers submit their information once, and each participating company returns a rated price based on the submitted data. This prevents consumers from doing quotation requests for each company you want a rate for.
To enter your information into the quoting system, click here to start a free quote.
The single downside to getting quotes like this is you cannot specify the insurers to get quotes from. So if you want to choose specific providers to compare prices, we put together a list of companies who write car insurance in your area. Click here to view list.
It’s up to you which method you use, but ensure you are comparing apples-to-apples quote information on every quote. If each company quotes different deductibles it will be next to impossible to truly determine the lowest rate.
Insuring your fleet can be pricey, but there are discounts available that many people don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but some must be asked for before you will receive the discount. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.
It’s important to understand that most credits do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, you’re out of luck. But all discounts will cut your overall premium however.
For a list of providers offering insurance coverage discounts, follow this link.
When choosing coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique so your insurance should reflect that For example, these questions can aid in determining if you might need an agent’s assistance.
If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.
Consumers constantly see and hear ads for car insurance savings from companies such as 21st Century, Allstate and State Farm. They all seem to make the same claim that you’ll save big if you switch your policy.
But how can every company make the same claim?
Insurance companies have a preferred profile for the driver they prefer to insure. A good example of a profitable customer might be over the age of 50, owns a home, and drives less than 7,500 miles a year. Any new insured who fits that profile will get the preferred rates and as a result will probably save quite a bit of money when switching.
Drivers who don’t meet the requirements will have to pay higher prices and ends up with business going elsewhere. The ads say “people who switch” not “everyone that quotes” save that much money. That’s the way insurance companies can make those claims.
Because of the profiling, drivers must compare many company’s rates. It is impossible to predict which auto insurance company will fit your personal profile best.
Having a good grasp of your policy can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverage types found on the average auto insurance policy.
Comprehensive (Other than Collision) – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for things like damage from flooding, a tree branch falling on your vehicle and hitting a bird. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for expenses such as dental work, chiropractic care, EMT expenses, ambulance fees and X-ray expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Collision – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as sideswiping another vehicle, colliding with another moving vehicle, hitting a parking meter, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.
Liability car insurance – This provides protection from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and 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 such as bail bonds, repair bills for other people’s vehicles and loss of income. How much coverage you buy is your choice, but consider buying as much as you can afford.
Protection from uninsured/underinsured drivers – This provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Beetle.
Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently these limits are set the same as your liablity limits.
In this article, we covered some good ideas how you can reduce 2013 Volkswagen Beetle insurance prices online. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the most savings is with the smaller companies. These companies may have significantly lower rates on certain market segments than their larger competitors like Allstate and Progressive.
When buying insurance coverage, make sure you don’t buy less coverage just to save a little money. In many cases, someone dropped comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. The proper strategy is to buy enough coverage at the best price.
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