How to Save on Volkswagen Beetle Insurance in New Orleans

The easiest way to get affordable Volkswagen Beetle insurance is to compare quotes once a year from insurers that insure vehicles in New Orleans.

• Step 1: Get an understanding of car insurance and the modifications you can make to keep rates low. Many rating criteria that cause rate increases like high-risk driving behaviors and a poor credit rating can be amended by making minor changes to your lifestyle. Keep reading for information to lower rates and find missing discounts.
• Step 2: Get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or State Farm, while independent agencies can provide prices from many different companies. View prices
• Step 3: Compare the new quotes to your existing rates to see if cheaper Beetle coverage is available in New Orleans. If you find a better price, make sure coverage does not lapse between policies.

One key aspect when comparing rates is to make sure you’re comparing similar deductibles and liability limits on every quote request and and to get price estimates from as many car insurance companies as possible. This enables a level playing field and the best price selection.

It’s hard to fathom, but over 70% of drivers have purchased from the same company for at least the last four years, and roughly 40% of drivers have never compared auto insurance rates at all. The average driver in New Orleans could save almost $900 every year just by getting comparison quotes, but they don’t know the large savings they would see if they changed companies.

Getting a cheaper price on Volkswagen Beetle insurance can be quick and easy. You just need to spend a few minutes on the computer comparing rate quotes to discover which company has low cost New Orleans car insurance quotes.

Doing online quotes comparisons is so easy that it makes it obsolete to waste gas driving to local New Orleans insurance agencies. Quoting and buying Volkswagen Beetle insurance online eliminates this option unless you prefer the peace of mind of an agent trained in personal lines coverage. Although, it is possible comparison shop your insurance online and get advice from an agent in your area.

The following companies are ready to provide free quotes in Louisiana. In order to find cheaper auto insurance in New Orleans, LA, we recommend you visit as many as you can to find the most affordable car insurance rates.

Insurance in Louisiana serves several purposes

Even though New Orleans Beetle insurance rates can get expensive, insurance serves a purpose in several ways.

• Almost all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific limits of liability protection if you want to drive legally. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a lien on your Beetle, it’s guaranteed your bank will require that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Volkswagen at a significantly higher premium and require you to fork over for it.
• Insurance safeguards not only your Volkswagen Beetle but also your financial assets. It also can pay for many types of medical costs for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if anyone sues you for causing an accident. If mother nature or an accident damages your car, your policy will pay to repair the damage minus the deductible amount.

The benefits of having insurance are without a doubt worth the cost, especially for larger claims. On average, a vehicle owner in New Orleans is currently overpaying as much as $825 a year so we recommend shopping around at every renewal to make sure the price is not too high.

Auto insurance data for a Volkswagen Beetle

The price information shown next showcases detailed analysis of insurance rates for Volkswagen Beetle models. Being aware of how car insurance premiums are calculated can aid in making smart choices when choosing a car insurance company.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium amounts do not factor in vehicle location which can affect price quotes greatly.

Where to set your deductibles

A question often asked by New Orleans drivers is how high or low should comp and collision deductibles be. The rates below help summarize the differences in premium rates when you buy lower versus higher insurance deductibles. The first rate comparisons uses a $100 deductible and the second pricing table uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in specific location which can lower or raise premiums considerably.

Based on the above data, using a $100 deductible costs about $32 more each month or $384 for a full year averaged for all Beetle models than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 13 months between claims, you would probably come out ahead if you elect the higher deductible.

An important thing to remember is that higher deductibles results in having to pay to pay more out-of-pocket when you have a claim. It will be required that you have some money saved in the event you have to pay the higher deductible in order to repair your vehicle.

The information below illustrates how your choice of deductibles and can influence Volkswagen Beetle annual premium costs for each different age group. The premium estimates are based on a married male driver, comp and collision included, and no additional discounts are factored in.

Drive responsibly or pay higher rates

The chart below highlights how speeding tickets and at-fault collisions raise Volkswagen Beetle annual premium costs for different insured age categories. The rate quotes are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

Should you buy full coverage?

The information below visualizes the comparison of Volkswagen Beetle insurance rates when comparing full coverage to state minimum liability only. The rate quotes are based on no claims, a clean driving record, $500 deductibles, marital status is single, and no additional discounts are factored in.

Should you pay for full coverage?

There is no written rule to drop physical damage insurance, but there is a general school of thought. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let’s say your Volkswagen Beetle replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $8,000 after you pay the deductible. If you are paying more than $800 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some circumstances where only buying liability is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Companies offer money-saving discounts on Volkswagen Beetle insurance in New Orleans

Insurance can cost an arm and a leg, but you can get discounts that many people don’t even know exist. Certain credits will be shown when you complete an application, but a few need to be asked about in order for you to get them.

• Seat Belts Save – Buckling up and requiring all passengers to use their safety belts could save 15% off the PIP or medical payment premium.
• Auto/Life Discount – Larger insurance carriers have a discounted premium rate on car insurance if you buy a life insurance policy as well.
• More Vehicles More Savings – Drivers who insure multiple cars or trucks on one policy can reduce the rates for all insured vehicles.
• Auto/Home Discount – When you combine your auto and home insurance and place coverage with the same company they may give you a discount of nearly 15% which can help you find cheap Beetle insurance.
• Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school.
• Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will qualify for a discount on a New Orleans car insurance quote.
• Passive Restraints – Vehicles equipped with air bags may qualify for discounts of 25 to 30%.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs with anti-lock braking systems can avoid accidents and the ABS can save up to 10%.
• Drive Less and Save – Driving fewer miles can earn discounted rates on garaged vehicles.

It’s important to understand that most discounts do not apply to the whole policy. Most cut the price of certain insurance coverages like comp or med pay. So when the math indicates adding up those discounts means a free policy, it’s just not the way it works.

The diagram below compares Volkswagen Beetle annual premium costs with and without discounts applied. The data assumes a male driver, no claims, a clean driving record, Louisiana state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, homeowner, claim-free, and safe-driver discounts applied.

Popular car insurance companies and a summarized list of policyholder discounts are included below.

• 21st Century has discounts for defensive driver, homeowners, early bird, driver training, air bags, anti-lock brakes, and automatic seat belts.
• Progressive may include discounts for online quote discount, good student, homeowner, continuous coverage, and multi-policy.
• State Farm offers discounts for Steer Clear safe driver discount, good driver, defensive driving training, safe vehicle, and good student.
• Nationwide policyholders can earn discounts including Farm Bureau membership, anti-theft, good student, defensive driving, multi-policy, and easy pay.
• Esurance may offer discounts for anti-theft, Pac-12 alumni, emergency road assistance, Switch & Save, defensive driver, safety device, and online shopper.
• The Hartford discounts include vehicle fuel type, driver training, air bag, defensive driver, anti-theft, good student, and bundle.

Check with all companies you are considering what discounts are available to you. All car insurance discounts may not apply to policies in every state. To locate companies that offer the discounts shown above in New Orleans, click this link.

Your car insurance coverage should be tailored to you

Keep in mind that when it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that.
For instance, these questions might point out whether you may require specific advice.

• Am I covered when pulling a rental trailer?
• Am I covered if I crash into my own garage door?
• Is my state a no-fault state?
• What are the best liability limits?
• Does coverage extend to Mexico or Canada?
• Are rock-chip repairs free?
• At what point should I drop full coverage?
• Which companies are cheaper for teen drivers?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.