Searching for lower auto insurance rates for your Volkswagen Beetle Convertible? Are you a victim of overpriced auto insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse.
Big-name insurance companies like GEICO, 21st Century and Progressive constantly blast consumers with TV and radio ads and consumers find it hard to avoid their marketing magic and take the time to shop coverage around.
If you have car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. Choosing the best insurance company for you is not rocket science. But consumers must comprehend how insurance companies price insurance differently.
Comparing auto insurance rates can take time and effort if you don’t know the most efficient way. You can spend your afternoon talking to local insurance agents in your area, or you can utilize the web to get pricing more quickly.
Many of the larger companies enroll in a system where insurance shoppers only type in their quote data once, and every company returns a rated price based on that data. This saves time by eliminating repetitive form submissions for each company you want a rate for.
To get comparison pricing now click here to start a free quote.
One minor caviat to comparing rates this way is you are unable to specify the companies to receive prices from. So if you want to select specific providers to compare, we have a listing of low cost auto insurance companies in your area. Click to view list.
It’s your choice how you get your quotes, but ensure you are comparing exactly the same coverage limits and deductibles on every quote. If you use differing limits it’s not possible to truly determine the lowest rate. Just a small difference in insurance coverages could mean much higher rates. And when comparing auto insurance rates, know that more quotes will increase your chances of finding a lower rate.
Consumers need to have an understanding of some of the elements that play a part in calculating the price you pay for car insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that can help you get big savings.
Auto insurance companies do not advertise every discount in an easy-to-find place, so we took the time to find both the well known and the harder-to-find discounts you could be receiving.
Drivers should understand that most discounts do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way.
Insurance companies that possibly offer these benefits include:
Check with all companies you are considering which discounts you may be entitled to. Discounts might not be offered everywhere.
When choosing coverage, there is no one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can help discover if your insurance needs might need professional guidance.
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area.
Having a good grasp of your policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Shown next are typical coverage types found on the average car insurance policy.
Comprehensive protection – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as theft, damage from a tornado or hurricane and fire damage. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Uninsured or underinsured coverage – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Volkswagen Beetle Convertible.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Liability – Liability coverage provides protection from damages or injuries you inflict on a person or their property. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for 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 can pay for things such as legal defense fees, repair costs for stationary objects, loss of income, medical services and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.
Medical expense coverage – Med pay and PIP coverage reimburse you for bills for things like funeral costs, X-ray expenses, dental work, chiropractic care and surgery. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Collision coverages – This pays for damage to your Beetle Convertible from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things such as crashing into a ditch, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.
As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. In many instances, an insured cut liability limits or collision coverage only to discover later that it was a big mistake. Your goal should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.
Cost effective 2014 Volkswagen Beetle Convertible insurance is definitely available online as well as from independent agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.
In this article, we presented a lot of techniques to get a better price on insurance. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with an unexpected company. These smaller insurers can often provide lower rates in certain areas than their larger competitors like State Farm or Progressive.
Additional information can be read on the following sites: