Are you sick of overpaying and want more affordable Volkswagen Beetle insurance in Phoenix? Having to pay for overpriced Volkswagen Beetle insurance in Phoenix can drain your family’s budget and put a big crunch on your finances. Comparing rate quotes can lower your rates and help to cut your insurance bill.
Unbelievable but true, almost 70% of drivers in Arizona renewed their policy with the same company for well over three years, and approximately 38% of consumers have never taken the time to shop around. U.S. drivers can cut their rates by up to 46.5% a year just by shopping around, but most just don’t grasp how much money they would save if they replace their high priced policy. You have multiple insurers to buy insurance from, and even though it’s nice to have a selection, more options can take longer to find the lowest cost provider for Volkswagen Beetle insurance in Phoenix.
It’s smart to take a look at other company’s rates before your next renewal because prices tend to go up over time. If you had the best rates on Volkswagen Beetle insurance in Phoenix two years ago you will most likely find a better rate quote today. Ignore everything you know about insurance because we’re going to show you how to quote online to reduce your cost while increasing coverage.
Buying the cheapest auto insurance in Phoenix seems hard but is not really that difficult. If you have coverage now or are looking for a new policy, use these tips to shop for the lowest rates without reducing protection. Vehicle owners only have to learn the fastest way to shop for auto insurance from many different companies online.
Compare Volkswagen Beetle insurance rates
Getting a cheaper price on Volkswagen Beetle insurance is pretty simple and can save money. Drivers just need to take a couple of minutes to compare rate quotes to discover which company has cheaper Phoenix auto insurance quotes.
Getting free rates online is quite simple, and it takes the place of having to drive to insurance agents’ offices. The internet can eliminate the need for a local agent unless you prefer the trained guidance of a licensed agent. It is possible to compare the best prices online and still use a local agent.
The following companies offer price comparisons in Arizona. If multiple companies are listed, it’s a good idea that you click on several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Beetle S 2-Dr Hatchback||$196||$382||$260||$16||$78||$932||$78|
|Beetle 2-Dr Convertible||$204||$420||$258||$16||$78||$976||$81|
|Get Your Own Custom Quote Go|
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Prices do not factor in Phoenix location which can decrease or increase premium rates greatly.
Premiums by gender and age
The information below visualizes the comparison of Volkswagen Beetle car insurance rates for male and female drivers. The rates are based on no accidents or driving violations, full physical damage coverage, $500 deductibles, drivers are not married, and no additional discounts are factored in.
The illustration below shows how different deductible levels and can raise or lower Volkswagen Beetle insurance costs for each age group. The information is based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Do you need full coverage?
The example below visualizes the comparison of Volkswagen Beetle insurance costs with and without physical damage coverage. The premium estimates are based on no claims, a clean driving record, $500 deductibles, married female driver, and no discounts are taken into consideration.
Should you buy full coverage or liability only?
There is no definitive formula of when to eliminate physical damage insurance, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let’s say your Volkswagen Beetle book value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $4,000 after paying your deductible. If premium cost is more than $400 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are some circumstances where buying only liability insurance is not advised. If you still owe a portion of the original loan, you have to keep full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should maintain full coverage.
Companies offer many types of discounts on Volkswagen Beetle insurance in Phoenix
Car insurance is not an enjoyable expense, but there’s a good chance there are discounts that can help lower your rates. Certain reductions will be credited when you purchase, but a few must be specifically requested before being credited.
- Seat Belts Save more than Lives – Drivers who require all vehicle occupants to wear their seat belts can save 10% or more off the medical payments premium.
- Accident Forgiveness – Not a discount per se, but a handful of insurance companies will forgive one accident without getting socked with a rate hike if your claims history is clear for a specific time period.
- Bundled Policy Discount – If you have multiple policies with the same company you may earn as much as 10 to 15 percent.
- ABS and Traction Control Discounts – Vehicles that have anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
- Driver Education Discount – Require your teen driver to take driver’s ed class in high school.
Just know that most credits do not apply to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way.
A few popular companies and a selection of discounts can be read below.
- Mercury Insurance offers discounts including annual mileage, good student, low natural disaster claims, good driver, age of vehicle, ease of repair, and professional/association.
- Farmers Insurance includes discounts for pay in full, alternative fuel, good student, early shopping, and mature driver.
- Farm Bureau offers premium reductions for youthful driver, driver training, multi-vehicle, multi-policy, renewal discount, and good student.
- State Farm has savings for good driver, safe vehicle, accident-free, anti-theft, student away at school, Drive Safe & Save, and multiple policy.
- Allstate has discounts for senior citizen, new car, FullPay discount, anti-theft, and defensive driver.
- GEICO may include discounts for anti-theft, daytime running lights, defensive driver, membership and employees, and emergency military deployment.
If you are trying to find affordable Volkswagen Beetle insurance quotes, ask every prospective company to give you their best rates. Some discounts listed above may not apply to policies everywhere.
What if I want to buy from local Phoenix auto insurance agents?
Many drivers just prefer to get professional advice from a licensed agent and that can be a smart move Licensed agents are very good at helping people manage risk and help you file claims. The best thing about comparing insurance prices online is the fact that you can find cheap rate quotes and still buy from a local agent.
To find an agent, once you fill out this quick form, the coverage information is submitted to participating agents in Phoenix that can provide free Phoenix auto insurance quotes to get your business. There is no reason to search for an agent since rate quotes are delivered immediately to you. If you want to get a rate quote for a specific company, feel free to go to their quote page and fill out their quote form.
Picking an insurer shouldn’t rely on just the premium amount. The following questions are important to ask.
- Does the agency support the community they serve?
- Are they primarily personal or commercial lines agents in Phoenix?
- Do they reduce claim amounts on high mileage vehicles?
- Are all drivers listed on the coverage quote?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- What companies can they write with?
When searching for a local Phoenix insurance agency, it’s important to understand the different types of agents and how they differ in how they can insure your vehicles. Agents are classified as either exclusive or independent (non-exclusive). Both types can do a good job, but it’s important to know why they differ since it can impact which type of agent you select.
Agents of this type can only write with one company like AAA, Allstate, and State Farm. Exclusive agencies are unable to provide other company’s prices so you might not find the best rates. Exclusive agents are highly trained on their products and sales techniques which helps them sell insurance even at higher premiums.
Listed below is a short list of exclusive agencies in Phoenix who can help you get rate quotes.
Jim Nork – State Farm Insurance Agent
1600 W Camelback Rd #1a – Phoenix, AZ 85015 – (602) 222-9400 – View Map
Independent Auto Insurance Agencies
Independent agents are appointed with more than one company so they can quote policies with a variety of different insurance companies and find the cheapest rate. If you are not satisfied with one company, your agent can switch companies and you don’t have to do anything. When comparing rate quotes, you need to include price quotes from at a minimum one independent agency in order to compare the most rates.
Listed below is a list of independent insurance agencies in Phoenix who can help you get price quotes.
How do I know if I need professional advice?
When selecting coverage online or from an agent, there really is no best way to insure your cars. You are unique.
Here are some questions about coverages that may help highlight whether you might need an agent’s assistance.
- Is a new car covered when I drive it off the dealer lot?
- Can I afford to pay high deductible claims out of pocket?
- Does coverage follow the driver or the vehicle?
- Why are teen drivers so expensive to add on to my policy?
- What is the minimum liability in Arizona?
- Does my policy cover me if I wreck while driving under the influence?
- Do I need rental car coverage?
- What is GAP insurance?
If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.
What Impacts Volkswagen Beetle Insurance Premiums?
One of the most helpful ways to save on car insurance is to to have a grasp of some of the things that aid in calculating car insurance rates. If you know what controls the rates you pay, this allows you to make good choices that may result in lower premium levels.
Traffic violations will cost you – Getting just one speeding ticket or other violation may increase your cost twenty percent or more. Careful drivers get better prices as compared to those with violations. Drivers who get severe violations such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 form to the state department of motor vehicles in order to prevent their license from being revoked.
Getting married can lower premiums – Walking down the aisle actually saves money on your car insurance policy. It translates into being more responsible and insurance companies like that married drivers tend to file fewer claims.
Premiums drop with age – Inexperience drivers have a tendency to be less responsible behind the wheel so car insurance rates are higher. If you’ve ever had to add a teen driver to your policy can be quite pricey. More mature drivers are proven to be safer behind the wheel, tend to cause fewer accidents, and tend to be get fewer driving tickets.
Lower performance equals lower insurance costs – The performance level of the car you need to insure makes a huge difference in determining your rates. Because the Volkswagen Beetle is classified as a compact car, insuring your vehicle will cost the same to a little lower when compared to the average rates in Phoenix. Small economy passenger models usually have the lowest rates, but there are many factors that impact the final cost.
The higher your credit rating the lower your premiums – Having a bad credit score is a big factor in determining what you pay. If your credit leaves room for improvement, you could be paying less to insure your Volkswagen Beetle if you improve your credit rating. Consumers who have good credit tend to be less risk to insure as compared to drivers with bad credit.
Volkswagen Beetle historical loss data – Insurers use past insurance losses when setting rates for each model. Vehicles that the statistics show to have a trend towards higher claim severity or frequency will have higher rates. The table below shows the loss history for Volkswagen Beetle vehicles.
For each insurance policy coverage type, the claim amount for all vehicles, regardless of make, model or trim level, equals 100. Values that are under 100 mean the vehicle has better than average losses, while percentage values above 100 indicate a higher chance of having a claim or an increased probability of a larger loss.
Auto Insurance Loss Data for Volkswagen Beetle Models
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Volkswagen Beetle Convertible||85||78||95||76||89||79|
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Insurance just makes sense
Despite the high cost of buying insurance for a Volkswagen Beetle in Phoenix, insuring your vehicle may be required and benefits you in several ways.
First, just about all states have mandatory insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance coverage if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your Beetle, almost all lenders will force you to have comprehensive coverage to ensure loan repayment if the vehicle is totalled. If you do not keep the policy in force, the lender may insure your Volkswagen at a much higher rate and force you to reimburse them a much higher amount than you were paying before.
Third, insurance preserves not only your car but also your financial assets. Insurance will also pay for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance definitely exceed the cost, especially when you need to use it. Today the average American driver is currently overpaying as much as $855 a year so you should quote rates at every renewal to ensure rates are inline.
One last thing to lower rates
Lower-priced Volkswagen Beetle insurance in Phoenix is available on the web and also from your neighborhood Phoenix agents, so you should compare both to get a complete price analysis. Some insurance companies may not provide online price quotes and usually these small insurance companies only sell through local independent agents.
People switch companies for a number of reasons such as high prices, an unsatisfactory settlement offer, high rates after DUI convictions or even delays in responding to claim requests. No matter why you want to switch, finding a new insurance company is not as difficult as it may seem.
Throughout this article, we presented a lot of information how to find cheaper Volkswagen Beetle insurance in Phoenix. The key concept to understand is the more companies you get rates for, the better likelihood of getting the cheapest Volkswagen Beetle rate quotes. You may even find the biggest savings come from the least-expected company.
More tips and info about insurance can be read in the articles below:
- Auto Insurance Learning Center (State Farm)
- Who Has Cheap Phoenix Auto Insurance Rates for Drivers Over Age 70? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers with Accidents in Phoenix? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Chevrolet Traverse in Phoenix? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers with Bad Credit in Phoenix? (FAQ)
- Who Has Cheap Car Insurance Rates for 16 Year Olds in Phoenix? (FAQ)
- Who Has Affordable Phoenix Car Insurance Rates for High Mileage Drivers? (FAQ)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Teen Driving Statistics (iihs.org)