Looking for cheaper Volkswagen Beetle insurance in Fort Wayne? Paying for expensive Volkswagen Beetle insurance in Fort Wayne can empty your budget and possibly require postponing other expenditures. Doing a rate comparison is an excellent way to lower your bills every month.
It’s safe to assume that auto insurance companies don’t want their policyholders to compare prices. Drivers who shop around for better prices are inclined to move their business because there is a significant possibility of finding lower rate quotes. A recent auto insurance study revealed that consumers who routinely compared quotes saved $70 a month as compared to drivers who don’t regularly compare prices.
If finding discount rates on car insurance is why you’re reading this, then having a good understanding how to get free comparison quotes and analyze insurance can make the process less intimidating.
Steps to finding discount Volkswagen Beetle insurance in Fort Wayne
The best way we recommend to get low-cost auto insurance rates in Fort Wayne is to do a yearly price comparison from different companies that sell auto insurance in Indiana. This can be done by following these guidelines.
First, take a little time to learn about how car insurance works and the changes you can make to keep rates in check. Many policy risk factors that result in higher prices such as traffic citations and a poor credit rating can be controlled by paying attention to minor details. This article provides more information to help keep prices low and get additional discounts.
Second, quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like Progressive or Farmers Insurance, while agents who are independent can provide prices for a wide range of insurance providers. View a list of agents
Third, compare the new rate quotes to your current policy to see if cheaper Beetle coverage is available. If you find a lower rate quote and buy the policy, make sure there is no coverage gap between policies.
Fourth, provide notification to your current company of your intent to cancel your current car insurance policy. Submit a completed policy application and payment for your new coverage. As soon as coverage is bound, safely store the proof of insurance certificate in an accessible location in your vehicle.
A good tip to remember is to make sure you enter the same liability limits and deductibles on each quote and and to get quotes from as many auto insurance providers as possible. This provides the most accurate price comparison and the most accurate and complete price analysis.
Many auto insurance companies vie for your business, and it can be difficult to compare rates and get the definite best price available on Volkswagen Beetle insurance in Fort Wayne.
If you already have coverage or are just looking to switch companies, follow these tips to shop for the lowest rates without reducing protection. Buying affordable auto insurance in Fort Wayne is really quite simple as long as you have a good starting point. Drivers just need to use the most efficient way to shop online.
The method we recommend to get rate comparisons for Volkswagen Beetle insurance in Fort Wayne is to realize auto insurance companies actually pay money for the chance to provide you with a free rate quote. All consumers are required to do is give the companies some data like the ages of drivers, if you are currently licensed, distance driven, and your general credit rating. Your information is instantly sent to many highly-rated insurers and you receive quotes instantly to find the best rate.
To compare cheaper Volkswagen Beetle insurance rates now, click here and find out if lower rates are available in Fort Wayne.
The car insurance companies shown below provide comparison quotes in Fort Wayne, IN. If you want to find cheaper auto insurance in Fort Wayne, we recommend you click on several of them to find the most affordable car insurance rates.
Do you qualify for these eight discounts?
Companies do not advertise the entire discount list very well, so we took the time to find some of the more common and the harder-to-find ways to save on car insurance.
- Student Driver Training – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it will make them better drivers and lower rates.
- Defensive Driving Course – Taking time to complete a class that teaches defensive driving techniques could possibly earn you a 5% discount and easily recoup the cost of the course.
- Multiple Policy Discount – If you can bundle your auto and homeowners insurance with the same insurance company you will save up to 20% and get you affordable Volkswagen Beetle insurance rates in Fort Wayne.
- Homeowners Savings – Simply owning a home can help you save on car insurance due to the fact that maintaining a home requires a higher level of personal finance.
- Student Discounts – Maintaining excellent grades could provide a savings of up to 20% or more. This discount can apply up to age 25.
- Passive Restraints and Air Bags – Options like air bags or motorized seat belts may earn rate discounts as much as 30%.
- Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy life insurance from them.
- Distant Student – Children who live away from home at college without a vehicle on campus may qualify for this discount.
Just know that most of the big mark downs will not be given to your bottom line cost. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, nobody gets a free ride.
The example below illustrates the difference between Volkswagen Beetle yearly insurance costs with and without discounts applied to the policy rates. The premiums are based on a male driver, no claims or violations, Indiana state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-car, marriage, and multi-policy discounts applied.
Large car insurance companies and some of the discounts include:
- State Farm policyholders can earn discounts including safe vehicle, defensive driving training, passive restraint, Steer Clear safe driver discount, multiple policy, and good driver.
- Esurance offers discounts including online quote, online shopper, claim free, emergency road assistance, and multi-policy.
- Progressive may include discounts for online signing, multi-policy, homeowner, good student, online quote discount, and multi-vehicle.
- Liberty Mutual may have discounts that include hybrid vehicle, new graduate, multi-policy, new move discount, and new vehicle discount.
- Auto-Owners Insurance offers premium reductions for anti-lock brakes, safe vehicle, multi-policy, teen driver, multiple vehicles, and company car.
- GEICO has savings for daytime running lights, driver training, federal employee, air bags, and multi-policy.
If you need lower rates, check with every prospective company how you can save money. Some credits may not apply in your state.
Volkswagen Beetle insurance rates and statistics
The coverage information displayed next showcases different insurance coverage prices for Volkswagen Beetle models. Being able to understand how insurance premiums are determined can be valuable when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $114 | $264 | $288 | $18 | $86 | $770 | $64 |
| Beetle 2-Dr Convertible | $148 | $312 | $224 | $14 | $68 | $766 | $64 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Information does not factor in vehicle garaging location which can increase or decrease coverage prices greatly.
Rate comparison for different deductibles
The hardest decision when buying coverage is how high should your deductibles be. The following insurance rates can help you understand the rate differences when you choose different coverage deductibles. The first rate table uses a $250 deductible for comp and collision and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $188 | $366 | $238 | $14 | $72 | $903 | $75 |
| Beetle 2-Dr Convertible | $244 | $430 | $186 | $10 | $56 | $951 | $79 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $116 | $230 | $238 | $14 | $72 | $670 | $56 |
| Beetle 2-Dr Convertible | $152 | $270 | $186 | $10 | $56 | $674 | $56 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Prices do not factor in specific zip code location which can lower or raise coverage prices significantly.
Based on these figures, using a $250 deductible would cost the average driver about $21 more each month or $252 each year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 36 months between claims, you would save more money if you decide on a higher deductible. The table below shows a better example of how this calculation is made.
| Average monthly premium for $250 deductibles: | $77 |
| Average monthly premium for $1,000 deductibles (subtract): | – $56 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 36 months |
The information below shows how different deductible levels and can affect Volkswagen Beetle premium costs for each different age group. The costs are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.
Premiums by gender and age
The information below shows the difference between Volkswagen Beetle premium costs for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, single status, and no additional discounts are factored in.
Compare prices but work with a local Fort Wayne insurance agent
Many drivers just want to have an agent’s advice and we recommend doing that Agents can make sure you are properly covered and help file insurance claims. An additional benefit of comparing auto insurance online is that drivers can save money and get cheap auto insurance quotes but still work with a licensed agent.
After completing this quick form, the quote information is emailed to insurance agents in Fort Wayne who can give free rate quotes and help you find cheaper coverage. You never need to contact any insurance agencies since price quotes are sent immediately to your email address. If you need to compare rates from a specific company, don’t hesitate to visit that company’s website and fill out their quote form.
Choosing an provider needs to be determined by more than just a cheap quote. These are valid questions to ask:
- What is the agency’s Better Business Bureau rating?
- Can they provide you with a list of referrals?
- How many years of experience in personal auto insurance do they have?
- Where are claims handled?
- Does the agency provide any after hours assistance?
- How is replacement cost determined on your vehicle?
- Will you work with the agent or an assistant?
If you get good feedback to any questions you have as well as a affordable price, you may have just found an provider that is professional and can service your policy.
Different people need different insurance coverages
When it comes to the best insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that.
Here are some questions about coverages that may help you determine whether or not you could use an agent’s help.
- Does my medical payments coverage pay my health insurance deductible?
- Should I rate my Volkswagen Beetle as pleasure use or commute?
- Where can I get insurance after a DUI in Indiana?
- Should I have a commercial auto policy?
- Is upholstery damage covered by car insurance?
- Does my policy cover me if I wreck while driving under the influence?
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.
Why you need car insurance
Despite the potentially high cost of Volkswagen Beetle insurance, insurance may be required and benefits you in several ways.
- Almost all states have minimum liability requirements which means you are required to carry a specific level of liability protection in order to get the vehicle licensed. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Volkswagen Beetle has a loan, it’s guaranteed your bank will make it a condition of the loan that you carry insurance to ensure they get paid if you total the vehicle. If you default on your policy, the lender will be forced to insure your Volkswagen for a much higher rate and force you to reimburse them much more than you were paying before.
- Car insurance preserves both your car and your assets. Insurance will pay for all forms of medical expenses that are the result of an accident. Liability coverage also covers all legal expenses up to the policy limit if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, your policy will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance greatly outweigh the cost, especially when you need to use it. Unknowingly, the average driver is overpaying over $865 each year so you should quote your policy with other companies once a year at a minimum to be sure current rates are still competitive.
What car insurance coverages do you need?
Knowing the specifics of your car insurance policy can be of help when determining which coverages you need for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages available from car insurance companies.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage pay for bills such as EMT expenses, doctor visits and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Comprehensive car insurance
This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like rock chips in glass, vandalism, damage from getting keyed and falling objects. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Coverage for uninsured or underinsured drivers
This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Volkswagen Beetle.
Due to the fact that many Indiana drivers only purchase the least amount of liability that is required (25/50/10 in Indiana), their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.
Auto collision coverage
This covers damage to your Beetle resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.
Collision coverage protects against things like sustaining damage from a pot hole, sideswiping another vehicle, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible on your Beetle to save money on collision insurance.
Liability car insurance
This provides protection from damage that occurs to people or other property by causing an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.
Liability coverage has 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 25/50/10 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and $10,000 of coverage for damaged property.
Liability can pay for things such as attorney fees, court costs and medical services. How much liability should you purchase? That is up to you, but consider buying higher limits if possible. Indiana state minimum liability requirements are 25/50/10 but you should consider buying more liability than the minimum.
The illustration below shows why buying minimum limits may not be enough coverage.
Cheap rates are available
Some companies do not offer rates over the internet and usually these smaller providers work with independent insurance agents. Cheap Volkswagen Beetle insurance in Fort Wayne is attainable both online as well as from insurance agents, so you should compare both to get a complete price analysis.
When buying insurance coverage, never sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced physical damage coverage only to find out they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.
Steps to quoting cheaper Volkswagen Beetle insurance in Fort Wayne
The best way we recommend to find affordable quotes for Volkswagen Beetle insurance is to start comparing prices yearly from providers who provide auto insurance in Fort Wayne.
- Step 1: It will benefit you to learn about what is in your policy and the things you can change to prevent expensive coverage. Many things that cause high rates like traffic tickets, fender benders, and an imperfect credit rating can be improved by making lifestyle changes or driving safer.
- Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like Progressive or Allstate, while agents who are independent can quote prices for many different companies. Compare rates
- Step 3: Compare the quotes to the price on your current policy to see if you can save by switching companies. If you find better rates and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Tell your current agent or company to cancel your current car insurance policy. Submit a down payment along with a completed application for your new policy. Once coverage is bound, place the new proof of insurance certificate along with your vehicle registration.
An important part of this process is that you use the same coverage limits and deductibles on every price quote and and to look at as many different companies as possible. This helps ensure an apples-to-apples comparison and a complete selection of prices.
For more information, take a look at the following helpful articles:
- Choosing a Car for Your Teen (State Farm)
- How Much are Fort Wayne Auto Insurance Rates for 4×4 Vehicles? (FAQ)
- What Car Insurance is Cheapest for a Ford Escape in Fort Wayne? (FAQ)
- Who Has the Cheapest Auto Insurance for Inexperienced Drivers in Fort Wayne? (FAQ)
- Who Has Affordable Auto Insurance for Low Credit Scores in Fort Wayne? (FAQ)
- Who Has Affordable Auto Insurance for 16 Year Olds in Fort Wayne? (FAQ)
- Should I Buy a New or Used Car? (Allstate)
- State Car Insurance Guides (GEICO)