Car Insurance Quotes for a Volkswagen Beetle in Columbus

Insurance for Volkswagen BeetleFinding the cheapest insurance for a Volkswagen Beetle in Ohio could be an all-consuming task, but you can follow our insurance buying tips to make it easier. There is a right way and a wrong way to buy insurance and we’ll show you the quickest way to price shop coverage for your Volkswagen and obtain the lowest price.

Astonishing but true, most consumers kept their coverage with the same insurance company for at least four years, and nearly the majority have never compared rates to find lower-cost insurance. Ohio drivers could cut their rates by almost 55% a year, but they don’t invest the time required to compare other rate quotes.

You should take the time to take a look at other company’s rates yearly because insurance prices are constantly changing. Despite the fact that you may have had the best rates on Volkswagen Beetle insurance in Columbus a couple years back the chances are good that you can find a lower rate quote today. Block out anything you think you know about insurance because you’re going to get a crash course in how to use online quotes to find better rates and still maintain coverage.

The method we recommend to get rate comparisons for Volkswagen Beetle insurance in Columbus is to know the trick most larger insurance companies pay for the opportunity to give free rates quotes. All consumers are required to do is take a few minutes to give details such as if your license is active, if the vehicle is leased, which vehicles you own, and the ages of drivers. That rating information is submitted instantly to all major companies and they respond with quotes within a short period of time.

To check Volkswagen Beetle insurance prices now, click here and find out if lower rates are available in Columbus.

The companies shown below provide comparison quotes in Columbus, OH. If multiple providers are shown, we suggest you get prices from several of them in order to get a fair rate comparison.

Why do I need car insurance?

Despite the high insurance cost for a Volkswagen Beetle in Columbus, paying for auto insurance serves several important purposes.

The benefits of insuring your car more than cancel out the cost, especially with large liability claims. Today the average American driver overpays more than $800 each year so we recommend shopping around at every policy renewal to help ensure money is not being wasted.

Insurance coverage details

The coverage table displayed next outlines estimates of insurance coverage prices for Volkswagen Beetle models. Having insight into how premiums are established can help you make smart choices when choosing a car insurance company.

Volkswagen Beetle Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $170 $352 $192 $12 $58 $784 $65
Beetle 2-Dr Convertible $220 $416 $150 $10 $44 $840 $70
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in specific Columbus garaging location which can change coverage prices substantially.

Responsible drivers pay cheaper Columbus insurance rates

The diagram below demonstrates how speeding tickets and at-fault collisions can influence Volkswagen Beetle insurance costs for each different age category. The premium estimates are based on a single male driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

Volkswagen Beetle liability rates compared to full coverage

The diagram below compares Volkswagen Beetle car insurance rates with full physical damage coverage compared to only buying liability only. The prices are based on no claims or driving citations, $500 deductibles, single marital status, and no other discounts are factored in.

When to drop full coverage

There is no clear-cut formula to stop paying for physical damage coverage, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Volkswagen Beetle claim settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after paying your deductible. If you are paying more than $500 annually for your policy with full coverage, then it might be time to buy liability only.

There are some scenarios where dropping physical damage coverage is not recommended. If you haven’t paid off your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage in place.

Lower rates by qualifying for discounts

Car insurance is neither fun to buy or cheap, but you might find some hidden discounts that can dramatically reduce your bill. A few discounts will automatically apply at the time of purchase, but once in a while a discount must be manually applied before being credited.Car insurance discounts

Discounts save money, but please remember that most credits do not apply to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. So even though you would think you can get free auto insurance, insurance companies wouldn’t stay in business.

The chart below shows the comparison of Volkswagen Beetle auto insurance costs with and without discounts being applied to the rates. The data is based on a male driver, no driving violations, no at-fault accidents, Ohio state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, multi-policy, safe-driver, and marriage discounts applied.

Insurance companies who might offer these money-saving discounts are:

Check with every company which credits you are entitled to. Some discounts listed above might not apply in Columbus.

Insurance quotes from local Columbus insurance agencies

Some consumers still prefer to talk to an insurance agent and doing that can be a smart decision Most agents can make sure you are properly covered and help in the event of a claim. One of the benefits of comparing insurance online is that you can find the lowest rates and still choose a local agent.

By using this quick form, your insurance coverage information is emailed to participating agents in Columbus who will give you quotes to get your business. It simplifies rate comparisons since you won’t have to contact an agency because quoted prices will be sent directly to your email. If you want to get a rate quote from a specific insurance company, don’t hesitate to visit that company’s website and fill out their quote form.

Choosing an insurer should depend on more than just a cheap quote. Here are some questions you might want to ask.

When searching for a good insurance agency, it can be helpful to understand the different types of agencies and how they are distinctly different. Insurance policy providers are categorized either exclusive or independent agents depending on their company appointments. Either one can sell and service insurance coverage, but it is a good idea to know the differences because it can impact your agent selection.

Exclusive Insurance Agents

These type of agents work for only one company such as Allstate and State Farm. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. Exclusive agencies receive a lot of sales training on their company’s products and that enables them to sell even at higher rates. Consumers frequently buy insurance from these agents mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.

Shown below are exclusive agencies in Columbus willing to provide price quotes.

More insurance agents

Independent Insurance Agencies

Independent insurance agents are not restricted to one company and that allows them to write policies through many different insurance companies and find the cheapest insurance rates. If prices rise, your agent can just switch to a different company and you stay with the same agent.

When comparison shopping, you will definitely want to check rates from several independent agencies so that you have a good selection of quotes to compare. Many write coverage with less well-known companies which may have better rates.

The following are independent agencies in Columbus that are able to give comparison quotes.

More insurance agents

After you get good answers to any questions you have and an acceptable price quote, you’ve probably found an auto insurance agent that meets the requirements to adequately provide insurance. Just remember you can always cancel a policy any time you want so don’t assume that you are obligated to a specific agent indefinitely.

Don’t assume everyone needs the same auto insurance coverage

When it comes to buying coverage for your personal vehicles, there really isn’t a single plan that fits everyone. Everyone’s situation is unique.Higher deductibles save money

For instance, these questions might point out if you may require specific advice.

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

In the end, you can save money

Insureds leave their current company for many reasons like not issuing a premium refund, high prices, lack of trust in their agent or an unsatisfactory settlement offer. No matter why you want to switch, choosing a new company is not as difficult as it may seem.

When shopping online for auto insurance, do not skimp on coverage in order to save money. There have been many situations where an insured cut uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.

We just covered a lot of information how to get a better price on Volkswagen Beetle insurance in Columbus. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even find the biggest savings come from the least-expected company.

How to find cheaper Volkswagen Beetle insurance in Columbus

Truthfully, the best way to find low-cost prices for Volkswagen Beetle insurance is to do a yearly price comparison from insurers who provide auto insurance in Columbus. Rate comparisons can be done by completing these steps.

The key thing to remember is that you’ll want to compare identical coverage information on each quote request and and to get price quotes from as many carriers as you can. This helps ensure a level playing field and plenty of rates choose from.

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