Have you had enough of paying out the nose to insure your Volkswagen every month? You are in the same boat as millions of other consumers. You have so many car insurance companies to buy insurance from, and although it’s a good thing to have a choice, having more car insurance companies makes it harder to find the lowest rates.
The purpose of this article is to teach you the best way to quote coverages and some tips to save money. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. Vehicle owners only need to know the proper way to shop over the internet.
How to Compare Car Insurance
All the larger car insurance companies such as State Farm and Allstate give insurance quotes on the web. Getting quotes is quite simple as you simply enter your personal and coverage information as detailed in the form. Behind the scenes, the company’s rating system pulls credit information and your driving record and provides a quote based on these factors. Online price quotes streamlines rate comparisons, but the work required to visit each company’s website and repetitively enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to find a lower rate.
The quickest way to lower your car insurance bill uses one simple form to get prices from several companies at one time. This type of form saves time, helps eliminate reptitive entry, and makes online price comparison much more enjoyable. After sending your information, it is rated and you can choose any one of the pricing results.
If the quotes result in lower rates, you simply finish the application and buy the new coverage. This process can be completed in a matter of minutes and may save quite a bit of money.
If you want to find out if lower rates are available, click here to open in new window and complete the simple form. If you have coverage now, it’s recommended you copy the coverage information just like they are on your policy. Doing this guarantees you will have rate comparison quotes for the exact same coverage.
These eight discounts can lower your rates
Insurance can cost an arm and a leg, but you may find discounts that you may not know about. Most are applied at quote time, but a few need to be asked about before being credited. If they aren’t giving you every credit you deserve, you are throwing money away.
- Payment Discounts – By paying your policy upfront rather than paying monthly you could save up to 5%.
- Discount for New Cars – Insuring a new car is cheaper compared to insuring an older model.
- Driver Safety – Taking a course in driver safety could cut 5% off your bill if your company offers it.
- No Charge for an Accident – Some insurance companies permit an accident before raising your premiums if your claims history is clear for a set time period.
- Clubs and Organizations – Belonging to a qualifying organization could trigger savings on car insurance for Beetle insurance.
- Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
- Discount for Good Grades – Getting good grades can earn a discount of 20% or more. This discount can apply up until you turn 25.
- Sign Early and Save – Some insurance companies reward drivers for switching to them prior to your current policy expiring. It can save you around 10%.
Drivers should understand that some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way. Any amount of discount will cut your premiums.
To choose companies with discount car insurance rates, click this link.
Different people need different coverages
When it comes to buying the right insurance coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that might help in determining whether your personal situation could use an agent’s help.
- Is business equipment covered while in my vehicle?
- Can I rate high risk drivers on liability-only vehicles?
- Do I need to file an SR-22 for a DUI in my state?
- Do I need PIP coverage since I have good health insurance?
- How much liability do I need to cover my assets?
- What companies insure drivers after a DUI or DWI?
- Are there companies who specialize in insuring high-risk drivers?
- When should I not file a claim?
- Do I need added coverage for expensive stereo equipment?
- Am I covered if I crash into my own garage door?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.
Parts of your car insurance policy
Knowing the specifics of your car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages found on most car insurance policies.
Uninsured/Underinsured Motorist (UM/UIM)
This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Volkswagen Beetle.
Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Auto collision coverage
Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like colliding with a tree, sustaining damage from a pot hole, rolling your car, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP provide coverage for bills for things like pain medications, hospital visits and dental work. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible
Comprehensive insurance
This 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 damage from getting keyed, hitting a bird, vandalism, damage from flooding and fire damage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Liability
This coverage protects you from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.
Liability insurance covers things such as repair costs for stationary objects, legal defense fees, attorney fees, pain and suffering and bail bonds. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.
More effort can pay off
While you’re price shopping online, it’s not a good idea to reduce coverage to reduce premium. In too many instances, someone sacrificed uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at a price you can afford while still protecting your assets.
Cheap Volkswagen Beetle insurance is possible from both online companies and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some car insurance companies do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.
