Insurance for Volkswagen BeetleHave you fallen victim to an underperforming, overpriced insurance policy? Trust us, you are not the only one feeling buyer's remorse.

Unthinkable but true, the majority of drivers have bought insurance from the same company for at least four years, and nearly the majority have never shopped around. Consumers in America could save as much as 47% each year by just shopping around, but they underestimate the big savings they would realize if they switched to a more affordable policy. Due to the fact that there are so many different company options, it's nearly impossible to choose the lowest cost insurance company.

Comparing rates for the lowest-priced auto insurance coverage in Evansville is not that difficult. If you already have coverage or need new coverage, use these money-saving tips to lower your rates while maintaining coverages. Comparison shoppers only need an understanding of the best way to shop their coverage around from many different companies online.

Companies offering Volkswagen Beetle insurance in Evansville

The following companies have been selected to offer price quotes in Evansville, IN. If several companies are displayed, we recommend you get price quotes from several of them to get the most affordable price.

Volkswagen Beetle Insurance Cost Estimates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $202 $494 $310 $18 $92 $1,116 $93
Beetle 2-Dr Convertible $220 $428 $250 $14 $74 $986 $82
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in Evansville location which can raise or lower auto insurance rates noticeably.

An analysis of deductible level

One of the most common car insurance questions is what deductibles to buy. The figures shown below illustrate the price difference of buying low and high insurance deductibles. The first set of rates uses a $100 deductible for comp and collision and the second set of rates uses a $1,000 deductible.

Volkswagen Beetle insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $210 $436 $238 $14 $72 $995 $83
Beetle 2-Dr Convertible $272 $514 $186 $10 $56 $1,063 $89
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Volkswagen Beetle insurance with $1,000 deductibles
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
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Table data does not factor in Evansville location which can impact auto insurance rates considerably.

Based on the data above, we can derive that using a $100 deductible will cost you approximately $30 more each month or $360 a year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 30 months between claim filings, you would most likely save money if you decide on a higher deductible.

Comparison of policy deductibles

The diagram below illustrates how your choice of deductibles and can change Volkswagen Beetle insurance costs for each different age group. The price estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Get lower-cost Volkswagen Beetle insurance in Evansville with discounts

Some providers don't always advertise every policy discount in a way that's easy to find, so we researched a few of the more common and also the more inconspicuous credits available to lower your premiums when you buy Evansville car insurance online.Cheaper auto insurance with discounts

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Some only apply to individual premiums such as liability, collision or medical payments. So when the math indicates it's possible to get free car insurance, company stockholders wouldn't be very happy.

Popular auto insurance companies and a selection of discounts can be read below.

If you want inexpensive Evansville car insurance quotes, ask each company which discounts they offer. Savings may not be available everywhere.

Informed Consumers Know How to Buy Car Insurance Cheaper

Smart consumers have a good feel for a few of the rating criteria that come into play when calculating the price you pay for car insurance. If you have a feel for what controls the rates you pay, this allows you to make good choices that can earn you better car insurance rates.

Traffic violations can be expensive - Being a careful driver impacts premiums far more than you think. Only having one chargeable violation can increase the cost of insurance by twenty percent. Drivers with clean records get better rates than their less careful counterparts. Drivers unfortunate enough to have license-revoking violations like reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with their state in order to keep their license.

Policy add-ons could be costing you - Insurance companies have many extra coverages you can purchase on your Beetle policy. Coverage for things like personal injury protection, death and dismemberment, and term life insurance could be just wasting money. These may sound like a good investment when discussing your needs, but if you don't need them eliminate them to save money.

Lower performance equals lower insurance costs - The type of car you are insuring makes a significant difference in determining your rates. The cheapest rates tend to be for low performance passenger vehicles, but that's not the only thing that factors into the final price. Due to the fact that the Volkswagen Beetle falls in the compact car class, insuring your vehicle will cost the same to a little lower compared to average rates in Evansville.

Are you male or female? - Over the last 50 years, statistics have shown women are more cautious behind the wheel. That doesn't necessarily mean that men are WORSE drivers than women. Females and males have accidents in similar numbers, but males tend to have higher claims. They also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.

Bundle home and auto and save - Some car insurance companies will award better rates to insureds that purchase more than one policy. It's known as a multi-policy discount. Even with this discount, it's still a good idea to compare Volkswagen Beetle rates in Evansville to ensure the best deal.

Prices and your address - Living in a small town can save you money if you are looking for the lowest rates. Fewer drivers on the road corresponds to lower accident rates and also fewer theft and vandalism claims. Urban drivers tend to have more road rage incidents and more time behind the wheel. Spending more time driving translates into higher accident risk.

Lower car insurance rates with uninterrupted coverage - Having a gap between insurance policy dates will be a quick way to trigger a rate increase. Not only will you pay higher rates, not being able to provide proof of insurance may result in fines or a revoked license. You may then have to file a SR-22 with the Indiana DMV.

Don't skimp on liability coverage - Liability coverage is the protection when you are ruled to be at fault for damages caused by your negligence. Liability insurance provides for a legal defense which can cost a lot. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.

Volkswagen Beetle statistical loss data - Insurance companies use claims history as a way to help calculate a profitable premium rate. Vehicles that the statistics show to have increased claim numbers or amounts will have higher premium rates. The next table shows the actual insurance loss data for Volkswagen Beetle vehicles.

For each policy coverage, the loss probability for all vehicles, regardless of manufacturer or model, is equal to 100. Numbers shown that are under 100 suggest a positive loss record, while values over 100 indicate frequent claims or an increased likelihood of larger losses.

Volkswagen Beetle Insurance Claim Statistics

Vehicle 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

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

Don't assume everyone needs the same insurance coverage

Keep in mind that when it comes to choosing insurance from an agent or online for your vehicles, there is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.Insurance savings

For example, these questions might help in determining whether you might need professional guidance.

If it's difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It's fast, free and you can get the answers you need.

Insurance quotes from local Evansville insurance agencies

Some people just prefer to visit with an insurance agent and that is just fine! Most agents are highly skilled in risk management and will help you if you have claims. The best thing about getting online price quotes is that drivers can save money and get lower rates and also buy local. And supporting local agents is especially important in Evansville.

Insurance agents in EvansvilleAfter filling out this form (opens in new window), your coverage information is immediately sent to companies in Evansville that can provide free Evansville car insurance quotes for your business. You won't need to leave your house since rate quotes are delivered directly to your email. If for some reason you want to compare prices from a specific company, you can always search and find their rate quote page and submit a quote form there.

Finding a good provider should depend on more than just the price. Any agent in Evansville should be willing to answer these questions.

If you feel you receive good feedback for all questions you ask as well as a affordable price, most likely you have located an provider that can insure your vehicles. Just understand that policyholders can cancel your coverage any time you want so don't assume that you are obligated to a specific agent with no way out.

Car insurance savings summarized

Insureds leave their current company for a number of reasons such as questionable increases in premium, poor customer service, an unsatisfactory settlement offer or not issuing a premium refund. Whatever your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

When trying to cut insurance costs, you should never sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at the lowest possible cost.

Discount Volkswagen Beetle insurance in Evansville can be found both online in addition to local insurance agencies, so you need to shop Evansville car insurance with both in order to have the best price selection to choose from. Some insurance providers do not offer rates over the internet and usually these regional insurance providers prefer to sell through independent agents.

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