Volkswagen Beetle Insurance Quotes in Los Angeles

Are you sick of overpaying and want cheaper Volkswagen Beetle insurance in Los Angeles? Being forced to pay for expensive insurance premiums can dwindle your personal savings and make it tough to pay other bills.

It’s well known that car insurance companies want to keep you from comparing rates. Drivers who perform rate comparisons will presumably buy a new policy because there is a good probability of finding more affordable rates. A study discovered that people who shopped around every year saved over $865 a year as compared to drivers who don’t regularly compare prices.

If finding the most affordable auto insurance in Los Angeles is your ultimate objective, understanding the best way to quote and compare insurance coverage can help you succeed in saving money.

Big-name insurance companies like Allstate and Progressive constantly blast consumers with catchy ads and it can be hard to ignore the promise of big savings and find the best price available.

Auto insurance providers offering low-cost rates in California

The companies shown below have been selected to offer quotes in Los Angeles, CA. If multiple companies are listed, we suggest you visit several of them to find the most affordable auto insurance rates.

Volkswagen Beetle insurance charts and tables

The premium table shown below covers estimates of insurance costs for Volkswagen Beetle models. Having a better understanding of how policy rates are established is important for you to make decisions on which coverage to buy.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can lower or raise coverage prices considerably.

Rate comparison for different deductibles

One of the more difficult decisions when buying auto insurance is how high should the physical damage coverage deductibles be. The comparisons below can help you understand how much more you’ll pay when you buy lower versus higher comp and collision deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second rate table uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Estimates do not factor in garaging location in Los Angeles which can raise or lower premiums considerably.

Using the premium rates above, we can conclude that using a $100 deductible costs roughly $31 more each month or $372 for a full year than requesting the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 13 months between claim filings, you would save money going with the higher deductible. Here is how you can perform this determination yourself.

The illustration below shows how different deductible levels and can impact Volkswagen Beetle insurance rates for each different age category. The rate quotes are based on a single male driver, full coverage, and no discounts are applied to the premium.

Tickets and at-fault accidents raise rates

The chart below shows how violations and at-fault claims can impact Volkswagen Beetle auto insurance rates for different age categories. The price estimates are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

Full coverage versus liability only rates

The diagram below visualizes the comparison of Volkswagen Beetle insurance prices with liability coverage only compared to full coverage. The costs are based on no violations or claims, $100 deductibles, drivers are not married, and no other discounts are factored in.

When to stop buying full coverage

There isn’t a steadfast formula to stop paying for physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your Volkswagen Beetle replacement cost is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after the deductible is paid. If you are paying in excess of $600 annually for physical damage coverage, then you may want to consider only buying liability coverage.

There are some scenarios where eliminating full coverage is not in your best interest. If you haven’t satisfied your loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not buy liability only.

Don’t overlook these Volkswagen Beetle insurance discounts

Companies don’t always list the complete list of policy discounts in an easy-to-find place, so here is a list some of the more common and the harder-to-find credits that you can use to lower your rates.

• Early Signing – A few larger companies offer discounts for switching companies prior to the expiration date on your current Beetle insurance policy. You could save around 10% when you buy Los Angeles auto insurance online.
• ABS and Traction Control Discounts – Cars and trucks that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more on Beetle insurance in Los Angeles.
• Own a Home and Save – Just being a homeowner may earn you a small savings due to the fact that maintaining a home is proof of financial responsibility.
• Memberships – Having an affiliation with a professional or civic organization could qualify you for a break when shopping for auto insurance.
• Air Bags and Passive Restraints – Vehicles with factory air bags may earn rate discounts as much as 30%.
• Theft Deterrent – Cars equipped with anti-theft or alarm systems have a lower chance of being stolen and will qualify for a discount on a Los Angeles auto insurance quote.
• No Claim Discounts – Claim-free drivers have much lower rates when compared with frequent claim filers.
• Data Collection Discounts – Insureds that choose to allow their insurance company to scrutinize driving manner by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they show good driving skills.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, that’s just not realistic.

The illustration below illustrates the comparison of Volkswagen Beetle insurance costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, claim-free, multi-car, and multi-policy discounts applied.

The best auto insurance companies and their offered discounts include:

• GEICO may include discounts for federal employee, good student, defensive driver, seat belt use, emergency military deployment, and air bags.
• SAFECO offers premium reductions for drive less, teen safety rewards, teen safe driver, anti-lock brakes, bundle discounts, and anti-theft.
• State Farm policyholders can earn discounts including good student, anti-theft, Steer Clear safe driver discount, multiple policy, multiple autos, good driver, and student away at school.
• MetLife includes discounts for multi-policy, good driver, good student, accident-free, and defensive driver.
• 21st Century has discounts for teen driver, early bird, air bags, homeowners, anti-lock brakes, and good student.
• Progressive offers discounts for good student, homeowner, continuous coverage, online signing, multi-vehicle, online quote discount, and multi-policy.

If you want low cost Los Angeles auto insurance quotes, ask all companies you are considering what discounts are available to you. Some of the earlier mentioned discounts may not be offered in your area. To view insurers that offer discounts in California, click this link.

Informed Drivers Know How to Quote Auto Insurance More Affordably

Lots of things are part of the equation when you get your auto insurance bill. Most are fairly basic such as your driving history, but other factors are more transparent like where you live or your financial responsibility. A large part of saving on auto insurance is knowing some of the factors that are used to determine the rates you pay for auto insurance. When consumers understand what determines base rates, this enables informed choices that could help you find lower rates.

The itemized list below are a few of the “ingredients” used by insurance companies to determine your rates.

• Poor credit decisions can cost you – A driver’s credit history is likely to be a major factor in determining your rates. People that have high credit scores tend to be better risks to insure than drivers who have lower ratings. So if your credit leaves room for improvement, you may save money insuring your Volkswagen Beetle if you improve your credit rating.

• Cheaper to insure females? – Statistics show females are less aggressive when driving. However, don’t assume that females are better drivers. Both genders get in auto accidents at about the same rate, but the males have costlier accidents. Not only that, but men also get higher numbers of serious violations such as DWI and reckless driving.

  The diagram below shows the difference between Volkswagen Beetle car insurance rates for male and female drivers. The data is based on no violations or claims, comp and collision included, $250 deductibles, marital status is single, and no discounts are factored in.

• Urban residents pay more – Residing in areas with lower population may provide you with better prices when insuring your vehicles. Fewer drivers on the road translates into fewer accidents as well as less vandalism and auto theft. People in densely populated areas have to deal with traffic congestion and a longer drive to work. More time commuting means a statistically higher chance of an accident.
• Your stress level may be raising your rates – Do you work in a high-stress field? Jobs like real estate brokers, airline pilots, and emergency personnel have the highest rates due to intense work requirements and long work hours. Other occupations like professors, engineers and performers receive lower rates.
• Getting married is a bonus – Having a wife or husband may earn you lower rates on your auto insurance bill. Marriage is viewed as being more financially stable and it’s proven that married drivers tend to have fewer serious accidents.

• Insurance losses for a Volkswagen Beetle – Insurers factor in historical loss data when setting rates for each model. Vehicles that tend to have increased losses will have higher premium rates. The data below shows the insurance loss data for Volkswagen Beetle vehicles.

  For each policy coverage, the loss probability for all vehicles, regardless of make, model or trim level, is considered to be 100. Numbers below 100 indicate better than average losses, while percentage numbers above 100 indicate frequent claims or tendency to have higher losses.

  
  

  Auto Insurance Loss Data for Volkswagen Beetle Models

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Volkswagen Beetle	101	93	101	85	95	101
  Volkswagen Beetle Convertible	85	78	95	76	89	79

  BETTER

  AVERAGE

  WORSE

  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Local Los Angeles insurance agencies and insurance

A small number of people still like to buy from a licensed agent and that can be a great decision The best thing about getting free rate quotes online is that you can find cheap rate quotes but also keep your business local.

To find an agent, once you fill out this quick form, your coverage information is sent to companies in Los Angeles who can give free rate quotes to get your business. It’s much easier because you don’t need to contact any agents as quotes are delivered instantly to you. Get lower rates without having to waste a lot of time. If you wish to get a comparison quote for a specific company, you can always navigate to their website and fill out the quote form the provide.

Selecting an insurer shouldn’t rely on just a cheap price quote. Below are some questions you should ask.

• Will they give you a referral list?
• Do the coverages you’re quoting properly cover your vehicle?
• Do they assist clients in filing claims?
• Do they have any clout with companies to ensure a fair claim settlement?
• Do they carry Errors and Omissions coverage?
• How long has the business existed?

Different types of Los Angeles car insurance agents

If you want to use an insurance agent, you need to know there are two different types of agents and how they can write your policy. Insurance agencies in Los Angeles are classified as either exclusive agents or independent agents.

Exclusive Agencies

These type of agents can only provide one company’s prices like Farmers Insurance, Allstate, or State Farm. These agents are unable to place coverage with different providers so they have no alternatives for high prices. Exclusive agencies are usually well trained in insurance sales which helps overcome the inability to quote other rates.

Shown below are exclusive insurance agencies in Los Angeles that are able to give price quote information.

View more Los Angeles agents

Independent Agencies or Brokers

Agents that elect to be independent are normally appointed by many insurers and that allows them to write policies with any number of different companies and find the cheapest insurance rates. To transfer your coverage to a different company, they simply move the coverage in-house and you stay with the same agent.

When shopping rates, you definitely need to get several quotes from at least one independent agent to ensure the widest selection of prices.

Shown below are independent insurance agents in Los Angeles willing to provide rate quotes.

View more Los Angeles agents

Upon getting reasonable responses to any questions you have in addition to an acceptable price estimate, chances are good that you have found an insurance agency that is a good match to properly insure your vehicles.

Compare. Compare. Compare.

Cheap Volkswagen Beetle insurance in Los Angeles is available both online in addition to many Los Angeles insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies may not provide online rate quotes and these smaller companies work with independent agencies.

As you quote Los Angeles auto insurance, never skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

Even more information is located by following these links:

• Safe Vehicles for Teens (iihs.org)
• How Much is Los Angeles Auto Insurance for a Learners Permit? (FAQ)
• Who Has Cheap Auto Insurance Rates for Seniors in Los Angeles? (FAQ)
• Who Has Affordable Los Angeles Auto Insurance Quotes for a Jeep Grand Cherokee? (FAQ)
• Who Has Cheap Los Angeles Car Insurance Quotes for Lyft Drivers? (FAQ)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Drunk Driving Statistics (Insurance Information Institute)
• Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)