Have you had enough of scraping the payment together to keep your car insured? You are no different than most other drivers in Indiana.
Astonishing but true, a large majority of drivers kept their coverage with the same auto insurance company for a minimum of four years, and nearly half have never compared quotes from other companies. Most drivers in Indiana could cut their rates by about 55% a year just by shopping around, but they don't believe how much money they would save if they switched to a more affordable policy.
Due to the fact that there are so many auto insurance companies to choose from, it can be impossible to find the lowest cost auto insurance provider.
It is always a good idea to shop coverage around periodically because prices tend to go up over time. If you had the best price on Volkswagen Beetle insurance in Indianapolis six months ago there may be better deals available now. You'll find quite a bit of inaccurate information about Beetle insurance out there, but you can learn some tested techniques to lower your auto insurance bill.
Buying the cheapest auto insurance in Indianapolis is really not that difficult. Practically every person who quotes auto insurance should find a lower-cost policy. But Indiana consumers benefit from understanding the way companies sell insurance online and use this information to your advantage.
Learn How to Lower Your Insurance Prices
An important part of buying insurance is that you know some of the elements that go into determining the level of your policy premiums. If you understand what impacts premium levels, this allows you to make good choices that can help you get cheaper rates. Lots of things are taken into consideration when premium rates are determined. Some of the criteria are obvious like an MVR report, but others are more transparent such as whether you are married and annual miles driven.
The itemized list below are a partial list of the pieces used by companies to determine your premiums.
Deter car thieves - Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent your vehicle from being stolen.
Don't cancel your coverage without a new one in place - Driving your car without having proper coverage is not a good idea and you may have a hard time finding new coverage because you let your insurance lapse. In addition to paying higher rates, failure to provide proof of insurance can result in a fine, jail time, or a revoked license.
Don't skimp on liability insurance - The liability coverage on your policy kicks in in the event that you are responsible for damages caused by your negligence. Your liability coverage provides for a legal defense to attempt to prove you were not liable. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
Single drivers take more risk - Having a wife or husband may earn you lower rates compared to being single. Having a spouse may mean you are more stable financially and statistics prove married drivers get in fewer accidents.
Policy add-ons add up - There are many additional coverages that you can get tricked into buying if you aren't careful. Coverages like rental car reimbursement, towing coverage, and additional equipment coverage may not be needed and are just wasting money. They may sound like good ideas initially, but if you have no use for them remove them from your policy.
Multiple policies with one company - Most auto insurance companies afford lower prices to buyers that buy multiple policies such as combining an auto and homeowners policy. The discount can be 10 percent or more. Even if you're getting this discount consumers should still get quotes from other companies to confirm you are receiving the best rates possible.
Insurance loss probability for a Volkswagen Beetle - Insurers analyze historical claim data to help set a rate to offset losses. Vehicles that tend to have high amounts or severity of claims will have a higher premium rate.
The table shown below demonstrates the loss history for Volkswagen Beetle vehicles. For each policy coverage type, the claim amount for all vehicles, regardless of make, model or trim level, is considered to be 100. Percentage numbers below 100 are indicative of better than average losses, while values that are above 100 show a trend for more claims or larger claims.
Volkswagen Beetle Insurance Claim Statistics
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Volkswagen Beetle Convertible||85||78||95||76||89||79|
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
The best way we recommend to compare insurance rates from multiple companies utilizes the fact all the major auto insurance companies will pay a fee to quote your coverage. To get started, all you need to do is provide a small amount of information such as whether the vehicles are used for commuting, if it has an anti-theft system, marital status, and whether you have decent credit. The data is then sent to insurance carriers in your area and they return quotes instantly.
To check Volkswagen Beetle insurance prices now, click here and find out if lower rates are available in Indianapolis.
The companies shown below are our best choices to provide price quotes in Indianapolis, IN. If multiple providers are shown, we recommend you click on several of them in order to find the cheapest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Beetle S 2-Dr Hatchback||$162||$362||$224||$14||$68||$830||$69|
|Beetle 2-Dr Convertible||$172||$340||$210||$12||$62||$796||$66|
|Get Your Own Custom Quote Go|
Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Information does not factor in specific garaging location which can raise or lower insurance rates noticeably.
Premiums by gender and age
The illustration below shows the difference between Volkswagen Beetle car insurance rates for male and female drivers. The price estimates are based on no accidents or driving violations, full physical damage coverage, $500 deductibles, drivers are not married, and no policy discounts are applied.
Comparison of policy deductibles
The illustration below shows how choosing a deductible and can increase or decrease Volkswagen Beetle premium costs for different age categories. The information is based on a single female driver, full physical damage coverage, and no discounts are applied.
Three reasons car insurance is important
Even though it's not necessarily cheap to insure a Volkswagen in Indianapolis, paying for car insurance is required by state law in Indiana and it also provides benefits you may not be aware of.
First, the majority of states have mandatory liability insurance requirements which means state laws require a specific level of liability insurance in order to be legal. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a lien on your Volkswagen Beetle, it's most likely the lender will require that you buy insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender may insure your Volkswagen for a much higher rate and require you to fork over for the expensive policy.
Third, insurance protects both your assets and your vehicle. Insurance will pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance also covers legal expenses if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, your policy will cover the repair costs.
The benefits of buying enough insurance greatly outweigh the cost, especially if you ever need it. On average, a vehicle owner in Indianapolis is wasting up to $810 a year so it's important to compare rates each time the policy renews to help ensure money is not being wasted.
Do you qualify for discounts on Volkswagen Beetle insurance in Indianapolis?
Insuring your fleet can be pricey, but there are discounts available that can drop the cost substantially. A few discounts will automatically apply at the time of purchase, but once in a while a discount must be asked for prior to getting the savings. If you check and find you aren't receiving every discount possible, you may be paying too high a price.
- Include Life Insurance and Save - Insurance companies who offer life insurance give a break if you buy a life policy as well.
- Bundle and Save - If you insure your home and vehicles with one company you will save nearly 15% which can help you find cheaper Beetle insurance.
- Distant Student - Children who are enrolled in a college that is more than 100 miles from Indianapolis without a vehicle on campus may be able to be covered for less.
- Low Miles Discount - Driving fewer miles can qualify you for lower premium rates on the low mileage vehicles.
- Sign Early and Save - A few insurance companies offer discounts for switching to them prior to your current Beetle insurance policy expiration. Ten percent is about the average savings.
- Safety Restraint Discount - Drivers who require all vehicle occupants to use a seat belt can save up to 15% off the personal injury premium cost.
It's important to note that most discount credits are not given to the entire policy premium. The majority will only reduce individual premiums such as liability and collision coverage. Despite the fact that it seems like you can get free auto insurance, you won't be that lucky. But all discounts will bring down your policy cost.
Some companies that possibly offer many of the previously listed discounts include:
If you want inexpensive Indianapolis auto insurance quotes, ask all the companies to give you their best rates. Discounts may not apply to policyholders in your area. To see a list of companies with discount rates in Indiana, click this link.
Car insurance is available from local agents
A lot of people just prefer to sit down and talk to an agent and doing so can bring peace of mind A good thing about getting online price quotes is that drivers can save money and get cheaper auto insurance rates but also keep your business local.
To make it easy to find an agent, after completing this simple form, your information is instantly submitted to companies in Indianapolis who can give free rate quotes for your business. It's much easier because you don't need to even leave your home since price quotes are sent immediately to you. You can get cheaper car insurance rates without a big time investment. If you need to compare prices from a specific car insurance provider, don't hesitate to find their quoting web page and submit a quote form there.
Finding the right insurance company needs to be determined by more than just a low price. These questions are important to ask:
- Are there any discounts for paying up front?
- How long has their agency been open in Indianapolis?
- Do they offer rental car reimbursement?
- Do they specialize in personal lines auto insurance in Indianapolis?
- If they are an independent agency in Indianapolis, which companies do they recommend?
- Does the agency provide any after hours assistance?
- What discounts might you be missing?
- If your car is totalled, how to they determine the replacement cost?
Smart consumers save more
While you're price shopping online, it's very important that you do not buy less coverage just to save a little money. There are too many instances where someone dropped full coverage to discover at claim time that it was a big error on their part. Your goal is to buy a smart amount of coverage at the best price.
Some companies may not have the ability to get quotes online and usually these regional insurance providers only sell coverage through local independent agents. More affordable auto insurance in Indianapolis can be purchased online and also from your neighborhood Indianapolis agents, so compare prices from both in order to have the best chance of saving money.
More information is located on the following sites:
- All About Airbag Safety (State Farm)
- What Car Insurance is Cheapest for a Hyundai Elantra in Indiana? (FAQ)
- Who Has the Cheapest Indiana Car Insurance Rates for Drivers with a Bad Driving Record? (FAQ)
- Who Has Cheap Auto Insurance for Retired Military in Indiana? (FAQ)
- Winter Driving (Insurance Information Institute)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Rollover Crash FAQ (iihs.org)