2014 Volkswagen Beetle Convertible Car Insurance Cost

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.

Auto Insurance Comparison Rates

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.

What determines your Volkswagen Beetle Convertible insurance premium

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.

  • Bump up deductibles to save – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Volkswagen from damage. Examples of covered claims would be colliding with a building, vandalism, and burglary. Your deductibles are the amount of money you are required to spend in the event of a claim. The more you’re willing to pay, the bigger discount you will receive for Beetle Convertible insurance.
  • Your occupation can affect rates – Did you know your occupation can influence how much you pay for car insurance? Occupations such as doctors, executives and dentists have the highest average rates due to high stress and long work hours. Other occupations such as farmers, historians and homemakers get better rates for Beetle Convertible insurance.
  • Men are more aggressive – Statistics have proven that women are safer drivers than men. However, this does not mean women are better drivers. They both tend to get into accidents in similar percentages, but men have costlier accidents. Men also have more aggressive citations such as reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.
  • Always keep insurance in force – Allowing your coverage to lapse will be a fast way to trigger a rate increase. And not only will your rates increase, getting caught without coverage may earn you a revoked license or a big fine.
  • Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
  • Your credit rating is important – Having a bad credit score is a important factor in determining what you pay for car insurance. If your credit rating is lower than you’d like, you could pay less to insure your 2014 Volkswagen Beetle Convertible by improving your rating. People with high credit scores tend to be more responsible than drivers who have poor credit.
  • Cautious drivers pay less – Whether or not you get tickets has a big impact on rates. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Just one moving violation can bump up the cost forty percent or more. Drivers with severe tickets such as DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
  • Keep rates low by being claim-free – If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance companies generally give lower rates to people who file claims infrequently. Your insurance policy is intended for the large, substantial claims.

Cut your insurance rates with discounts

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.

  • Sign Online – Some insurance companies give back up to $50 for buying your policy on their website.
  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
  • Club Memberships – Affiliation with a qualifying organization may earn a discount on insurance for Beetle Convertible insurance.
  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
  • Discount for Swiching Early – A few companies offer discounts for switching to them before your current expiration date. The savings is around 10%.
  • Senior Citizens – If you qualify as a senior citizen, you may receive better insurance rates for Beetle Convertible insurance.

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.

You are unique and your insurance should be too

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.

  • Are there companies who specialize in insuring high-risk drivers?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need rental car coverage?
  • How many claims can I have before being cancelled?
  • Do I have any recourse if my insurance company denies a claim?
  • Does my 2014 Volkswagen Beetle Convertible need full coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered when using my vehicle for business?

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.

Car insurance coverage specifics

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.

Save for a rainy day

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: