Volkswagen Beetle Insurance Quotes in Los Angeles

Discount Volkswagen Beetle insuranceAre 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.

Volkswagen Beetle Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $242 $464 $376 $22 $112 $1,216 $101
Beetle 2-Dr Convertible $314 $546 $292 $18 $88 $1,258 $105
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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.

Volkswagen Beetle insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $332 $686 $376 $22 $112 $1,553 $129
Beetle 2-Dr Convertible $430 $810 $292 $18 $88 $1,663 $139
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Volkswagen Beetle insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $242 $464 $376 $22 $112 $1,216 $101
Beetle 2-Dr Convertible $314 $546 $292 $18 $88 $1,258 $105
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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.

Average monthly premium for $100 deductibles: $134
Average monthly premium for $500 deductibles (subtract): – $103
Monthly savings from raising deductible: $31
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $31
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

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.Cheaper auto insurance with discounts

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:

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.

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.

Los Angeles insurance agentsTo 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.

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.

3717 S La Brea Ave #202Los Angeles, CA 90016(323) 294-9400View Map

4929 Wilshire Blvd #745Los Angeles, CA 90010(323) 692-0090View Map

7154 Melrose AveLos Angeles, CA 90046(323) 931-1466View Map

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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.

11611 San Vicente Blvd #515Los Angeles, CA 90049(310) 820-5200View Map

11639 Chenault StLos Angeles, CA 90049(310) 909-6135View Map

5250 W Century Blvd #426Los Angeles, CA 90045(888) 400-4004View Map

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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: