Auto Insurance Quotes for a Volkswagen Beetle in Irvine

If your goal is the lowest price, then the best way to find cheaper prices for Volkswagen Beetle insurance is to compare quotes once a year from providers who provide car insurance in Irvine.

First, read about how insurance works and the factors you can control to keep rates low. Many risk factors that cause high rates like speeding tickets, accidents and poor credit rating can be remedied by paying attention to minor details.

Second, request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from one company like GEICO or State Farm, while independent agents can provide rate quotes for many different companies. Start a quote

Third, compare the new rate quotes to the premium of your current policy to see if cheaper Beetle coverage is available in Irvine. If you find a lower rate quote, ensure there is no coverage lapse between policies.

Fourth, provide adequate notice to your current company of your intent to cancel the current policy. Submit a completed policy application and payment for your new coverage. Immediately upon receiving it, put the certificate verifying coverage in your vehicle’s glove compartment or console.

One tip to remember is that you use the same physical damage deductibles and liability limits on each quote request and and to get price quotes from as many companies as you can. This enables a level playing field and maximum price selection.

It’s an obvious conclusion that auto insurance companies don’t want you quoting rates from other companies. Drivers who compare price quotes will, in all likelihood, switch to a new company because there is a high probability of finding lower prices. A study discovered that consumers who routinely compared rates saved $860 a year compared to drivers who never compared prices.

If saving money on car insurance is your target objective, then learning about how to quote prices and compare car insurance can make the process less intimidating.

This information will let you in on how to compare rates easily and how you can save the most money. If you already have coverage, you will most likely be able to reduce premiums using the following tips. But California car owners must understand the way companies determine how much to charge because rates fluctuate considerably.

Coverage information

The coverage information below covers a range of insurance rates for Volkswagen Beetle models. Learning more about how car insurance prices are calculated is important for drivers to make smart policy decisions.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in your specific Irvine location which can lower or raise coverage rates considerably.

Higher deductibles lower rates

One of the most common auto insurance questions is how high should your deductibles be. The tables below can help you understand the rate differences when you choose different policy deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in vehicle location which can affect coverage prices significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $32 more each month or $384 for a full year than buying the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 23 months between claims, you would most likely save money going with the higher deductible.

Comparison of auto insurance rates by gender

The example below illustrates the difference between Volkswagen Beetle insurance costs for male and female drivers. The costs are based on no violations or accidents, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are taken into consideration.

How to Lower Your Insurance Rates

Lots of things are part of the calculation when you get a price on insurance. Some of the criteria are obvious like your driving record, although some other factors are not quite as obvious such as your marital status or how financially stable you are. Smart consumers have a good feel for some of the factors that help determine the rates you pay for car insurance. When you understand what impacts premium levels, this enables you to make decisions that could help you find big savings.

The items below are most of the major factors companies use to determine your rate level.

• What type of car, truck or SUV do you drive? – The performance of the vehicle you need insurance for makes a significant difference in how high your rates are. The lowest base rates are generally reserved for smaller low performance passenger cars, but there are many factors that impact the final cost.

  The next chart assumes a married female driver age 30, full coverage with $100 deductibles, and no discounts or violations. It illustrates Volkswagen Beetle policy rates compared to other models that have a range of performances.

• How’s your driving record? – Getting just one citation may cause rates to rise by twenty percent. Attentive drivers have lower premiums than bad drivers. Drivers who have received multiple violations such as DUI, reckless driving or excessive speeding might be required by their state to file a SR-22 with their state DMV in order to keep their license.

  The diagram below demonstrates how traffic citations and accident claims can impact Volkswagen Beetle insurance prices for different age categories. The premiums assume a married female driver, full coverage, $500 deductibles, and no discounts are factored in.

• Liability coverage – Your car insurance policy’s liability coverage provides coverage if a court rules you are at fault for physical damage or personal injury to other. It provides legal defense which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so do not skimp.
• Consolidate policies and save – The majority of insurers provide a discount to people that buy multiple policies. It’s known as a multi-policy discount. Even if you’re getting this discount you still need to comparison shop to ensure the best deal.

• Insurance loss data for a Volkswagen Beetle – Insurance companies use historical loss data to help determine the price you pay. Vehicles that the data determines to have a higher amount or frequency of claims will be charged more to insure.

  The next table shows the compiled insurance loss statistics for Volkswagen Beetle vehicles. For each coverage type, the statistical loss for all vehicles, without regard to make or model, equals 100. Numbers under 100 suggest a better than average loss history, while percentage numbers above 100 indicate a higher chance of having a claim or statistically larger losses.

  
  

  Volkswagen Beetle Insurance Claim Statistics

  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

  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Be persistent to save money

In this article, we covered many tips how you can find lower-cost Volkswagen Beetle insurance in Irvine. The key concept to understand is the more companies you get auto insurance rates for, the better chance you’ll have of finding inexpensive Irvine auto insurance quotes. Drivers may even discover the lowest rates come from some of the smallest insurance companies. Regional companies may often insure only within specific states and give better rates than their larger competitors like GEICO and State Farm.

When getting Irvine auto insurance quotes online, never skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced uninsured motorist or liability limits only to discover later that it was a big error on their part. Your goal is to find the BEST coverage at a price you can afford.

Budget-conscious Volkswagen Beetle insurance is definitely available both online and from local agencies, and you should be comparing both so you have a total pricing picture. A few companies may not have internet price quotes and most of the time these smaller companies only sell coverage through independent insurance agents.

More detailed car insurance information can be read in the articles below:

• Liability Insurance Coverage (Nationwide)
• What Insurance is Cheapest for 18 Year Olds in Irvine? (FAQ)
• How Much are Car Insurance Quotes for Homeowners in Irvine? (FAQ)
• Tread Depth and Tire Safety (State Farm)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
• How to shop for a safer car (Insurance Institute for Highway Safety)