Smart shoppers know that car insurance companies don’t want their policyholders to compare prices. People who shop around for cheaper prices will presumably buy a different policy because there is a great chance of finding lower prices. A recent survey found that drivers who made a habit of comparing rates saved approximately $3,450 over four years compared to drivers who never shopped for cheaper rates.
If finding the best price on Volkswagen Beetle insurance is your intention, knowing how to find companies and compare insurance can help make the process easier and more efficient.
If saving money is your primary concern, then the best way to get low-cost auto insurance rates in Long Beach is to start doing an annual price comparison from insurance carriers who sell insurance in California. Rates can be compared by completing these steps.
Step 1: Spend a few minutes and learn about how insurance works and the measures you can take to prevent expensive coverage. Many risk factors that cause rate increases such as speeding tickets, careless driving and a poor credit score can be amended by making small lifestyle or driving habit changes. Later in this article we will cover instructions to get better rates and earn a bigger discount.
Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agents can give you price quotes from multiple companies. Compare rates
Step 3: Compare the price quotes to your existing coverage to see if a cheaper rate is available in Long Beach. If you find better rates and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
One tip to remember is to try to compare similar limits and deductibles on every price quote and and to get rate quotes from as many companies as feasibly possible. This guarantees an accurate price comparison and a thorough selection of prices.
Comparing rates for affordable auto insurance policy in Long Beach is not that difficult. If you have insurance now or need a new policy, take advantage of these tips to get lower rates and still have adequate protection. Drivers only have to learn the tricks to shop their coverage around instantly.
Finding a lower price on Volkswagen Beetle insurance is actually easier than you may think. All that’s required is to take a couple of minutes comparing free Long Beach auto insurance quotes from different insurance companies.
The companies in the list below provide price comparisons in California. If your goal is to find cheaper auto insurance in CA, it’s a good idea that you visit as many as you can in order to find the most affordable rates.
Rates and detailed analysis
The coverage table displayed below highlights estimates of insurance rates for Volkswagen Beetle models. Understanding how auto insurance policy rates are figured is important for you to make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $292 | $662 | $454 | $26 | $136 | $1,570 | $131 |
| Beetle 2-Dr Convertible | $378 | $780 | $352 | $20 | $106 | $1,636 | $136 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Information does not factor in specific zip code location which can influence prices significantly.
Higher deductibles lower rates
One of the hardest decisions when shopping for auto insurance is how high should the deductibles for physical damage be. The comparisons below determine the costs and benefits when you buy lower versus higher physical damage coverage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $298 | $576 | $376 | $22 | $112 | $1,409 | $117 |
| Beetle 2-Dr Convertible | $386 | $678 | $292 | $18 | $88 | $1,487 | $124 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $184 | $362 | $376 | $22 | $112 | $1,056 | $88 |
| Beetle 2-Dr Convertible | $238 | $426 | $292 | $18 | $88 | $1,062 | $89 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Price estimates do not factor in vehicle location which can impact prices considerably.
Using the premium rates above, we can conclude that using a $250 deductible costs about $32 more each month or $384 a year across all Volkswagen Beetle models than opting for the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 23 months between claim filings, you would probably come out ahead by going with a higher deductible. Here is a better example of how you can make this decision for your own policy.
| Average monthly premium for $250 deductibles: | $121 |
| Average monthly premium for $1,000 deductibles (subtract): | – $89 |
| Monthly savings from raising deductible: | $32 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $32 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
The chart below highlights how deductible choice and can raise or lower Volkswagen Beetle annual premium costs for different age groups of insureds. The premium estimates are based on a married female driver, comp and collision included, and no other discounts are factored in.
Should you buy full coverage?
The information below illustrates the difference between Volkswagen Beetle auto insurance rates with liability coverage only compared to full coverage. The data is based on no violations or claims, $250 deductibles, single marital status, and no additional discounts are factored in.
When to drop comp and collision
There is no exact rule to stop paying for full coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.
For example, let’s assume your Volkswagen Beetle replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $7,000 after you pay the deductible. If you are paying in excess of $700 annually for your policy with full coverage, then you might want to think about dropping full coverage.
There are some conditions where dropping full coverage is not financially feasible. If you haven’t paid off your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not opt for liability only.
Insurance in California serves several purposes
Even though it’s not necessarily cheap to insure a Volkswagen in Long Beach, insurance serves an important purpose.
First, most states have compulsory liability insurance requirements which means the state requires specific minimum amounts of liability in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you bought your Beetle with a loan, most lenders will require that you have comprehensive coverage to guarantee payment of the loan. If the policy lapses, the bank or lender will purchase a policy for your Volkswagen at an extremely high rate and require you to fork over a much higher amount than you were paying before.
Third, insurance safeguards not only your vehicle but also your financial assets. It will also pay for most medical and hospital costs for yourself as well as anyone injured by you. Liability coverage also pays expenses related to your legal defense if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of having insurance outweigh the cost, especially with large liability claims. Unknowingly, the average driver overpays more than $825 a year so it’s important to compare rates every year to ensure rates are inline.
Smart Buyers Can Reduce Insurance Rates
Multiple criteria are taken into consideration when you quote your car insurance policy. Some are obvious such as your driving history, although some other factors are more obscure such as whether you are married and annual miles driven. An important part of buying insurance is that you know a few of the rating criteria that go into determining the level of your policy premiums. When you know what positively or negatively controls the rates you pay, this allows you to make educated decisions that may reward you with lower premium levels.
The items below are a few of the things that factor into your premiums.
Bundle policies with the same company – Some insurance companies allow a discount to insureds who carry more than one policy. It’s known as a multi-policy discount. If you currently are using one company, it’s always a smart idea to shop around to help guarantee you have the best rates.There is a chance you can save even more by splitting coverages up.
Incidental coverages can cost a lot – There are a ton of extra coverages that sound like a good idea at the time but may not be useful. Things like personal injury protection, accidental death, and extra life insurance coverage are some examples. They may seem like a good idea when talking to your agent, but your needs may have changed so consider taking them off your policy.
Don’t let your policy lapse – Driving your car without having proper coverage is not a good idea and insurance companies will penalize you for letting your insurance lapse for non-payment. Not only will you pay more, failure to provide proof of insurance may earn you a license revocation or jail time. You may then be required to file a SR-22 with the California motor vehicle department.
Mature drivers pay less – More mature drivers are more cautious drivers, tend to file fewer claims, and receive fewer citations. Teen drivers have a tendency to be more careless in a vehicle therefore insurance rates are much higher.
The chart below assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.
Rates go up with performance – The performance level of the car you need insurance for makes a huge difference in determining your rates. Small economy passenger cars receive the most favorable rates, but there are many factors that impact the final cost.
The chart below assumes a single female driver age 20, full coverage with $100 deductibles, and no discounts or violations. The chart compares Volkswagen Beetle policy rates compared to other models that have different performance rating factors.
Loss probability for a Volkswagen Beetle – Car insurance companies use historical loss data to help calculate premium costs. Vehicles that have a trend towards higher claim severity or frequency will have higher premium rates. The table below illustrates the actual insurance loss data for Volkswagen Beetle vehicles.
For each policy coverage, the statistical loss for all vehicles combined as an average is considered to be 100. Values below 100 mean the vehicle has better than average losses, while numbers shown that are more than 100 indicate more frequent claims or an increased chance of a larger loss.
| Specific Volkswagen 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 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Save a ton on Volkswagen Beetle insurance in Long Beach with these insurance discounts
Companies offering auto insurance don’t necessarily list all discounts very clearly, so we break down both the well known and also the more inconspicuous discounts that you can inquire about if you buy Long Beach auto insurance online.
- Save over 55 – Drivers that qualify as senior citizens can get a discount up to 10%.
- Accident Forgiveness Coverage – Not a discount per se, but some insurance companies will allow you to have one accident without the usual rate increase with the catch being you have to be claim-free before the accident.
- Good Driver Discount – Safe drivers may receive a discount up to 45% than drivers with accidents.
- Student in College – College-age children who are enrolled in higher education away from home and don’t have a car may be insured at a cheaper rate.
- Defensive Driving Course – Participating in a driver safety course could cut 5% off your bill and easily pay for the cost of the class.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
- Discount for Life Insurance – Insurance companies who offer life insurance give a lower price if you buy life insurance.
- Student Driver Training – Teen drivers should enroll in driver’s education in high school.
- Discounts for Government Workers – Having worked for a branch of the government could qualify for a slight premium decrease depending on your insurance provider.
- Air Bag Discount – Vehicles equipped with air bags could see savings up to 30%.
As is typical with insurance, most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, it’s just not the way it works.
The diagram below compares Volkswagen Beetle insurance rates with and without discounts applied to the rates. The information is based on a male driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, multi-car, marriage, and multi-policy discounts applied.
Companies that may offer some of the discounts shown above may include but are not limited to:
If you want cheaper Long Beach auto insurance quotes, ask each company or agent the best way to save money. Discounts may not apply to policyholders in Long Beach. To find providers who offer insurance discounts in California, follow this link.
Neighborhood insurance agents
Some consumers still like to talk to an insurance agent and there is nothing wrong with that. Good agents are highly skilled in risk management and help you file 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 insurance agencies is still important in Long Beach.
To find an agent, once you fill out this quick form, your information gets sent to local insurance agents in Long Beach who will give you bids for your coverage. You don’t have to visit any agencies as quotes are delivered instantly to you. If for some reason you want to quote rates from one company in particular, don’t hesitate to jump over to their website and fill out their quote form.
The following are agents in Long Beach that are able to give price quotes for Volkswagen Beetle insurance in Long Beach.
- Farmers Insurance – Steven Gordon
1800 Palo Verde Ave d – Long Beach, CA 90815 – (562) 598-9500 – View Map - Von Arx, Jason – Farmers Insurance
400 Oceangate # 305 – Long Beach, CA 90802 – (562) 436-6801 – View Map - Lanterman Insurance Agency, Inc.
5318 E 2nd St #643 – Long Beach, CA 90803 – (562) 743-1607 – View Map - Farmers Insurance – Edmund Janik
3505 Long Beach Blvd #2o – Long Beach, CA 90807 – (562) 285-0816 – View Map
Finding the right insurer requires you to look at more than just a cheap quote. A good agent in Long Beach will have answers to these questions.
- Do they have a Better Business Bureau rating in Long Beach?
- Is insurance their full-time profession?
- When do they do policy reviews?
- What insurance companies do they work with in Long Beach?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- If you have an accident, will your rates go up?
- If you raise deductibles, how much can you save?
- Do you qualify for any additional discounts?
Frequent quotes can save
Drivers who switch companies do it for a number of reasons such as delays in paying claims, high rates after DUI convictions, poor customer service and high prices. It doesn’t matter what your reason, choosing a new company is not as difficult as it may seem.
Some companies don’t offer online quoting and most of the time these small, regional companies only sell coverage through local independent agents. Cost effective Volkswagen Beetle insurance can be bought on the web in addition to many Long Beach insurance agents, and you should compare rates from both in order to have the best price selection to choose from.
In this article, we presented a lot of tips how to lower your Volkswagen Beetle insurance prices in Long Beach. It’s most important to understand that the more companies you get rates for, the better your comparison will be. Drivers may even discover the lowest priced car insurance comes from a lesser-known regional company.
Much more information about car insurance in California can be found at these links:
- Insurance Losses by Make and Model (iihs.org)
- How Much are Car Insurance Rates for Drivers with a Bad Driving Record in Long Beach? (FAQ)
- What Auto Insurance is Cheapest for Drivers Under 21 in Long Beach? (FAQ)
- Car Insurance: When not to Skimp (BankRate.com)
- Drunk Driving Statistics (Insurance Information Institute)