Affordable Quotes for Volkswagen Beetle Insurance in Dallas

It’s safe to assume that car insurance companies don’t want you to look for a cheaper policy. Consumers who compare price quotes will probably move their business because of the good chance of finding a lower-priced company. A study showed that consumers who routinely shopped for cheaper coverage saved $72 a month compared to policyholders who never shopped around.

If finding budget-friendly rates on auto insurance is the reason you’re reading this, then having some insight into how to choose a company and compare insurance can help you be more efficient.

If you want to save the most money, the best way to get discount Volkswagen Beetle insurance is to regularly compare quotes from companies that insure vehicles in Dallas.

First, try to comprehend how your policy works and the measures you can take to lower rates. Many things that increase rates like traffic violations and a poor credit rating can be rectified by making small lifestyle or driving habit changes.

Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from one company like GEICO and Allstate, while agents who are independent can quote prices for many different companies.

Third, compare the new quotes to your existing rates to determine if switching companies saves money. If you find a lower rate quote, verify that coverage does not lapse between policies.

Fourth, give proper notification to your current agent or company of your intent to cancel the current policy. Submit the completed application along with a down payment to your new agent or company. Once the application is submitted, put the new certificate of insurance somewhere easily accessible.

A good tip to remember is to try to compare the same amount of coverage on every price quote and and to get rates from all possible companies. This provides an accurate price comparison and a complete rate analysis.

How much does Volkswagen Beetle insurance in Dallas, TX cost?

Finding a better price on auto insurance is not rocket science. The only thing you need to do is take time comparing rates to find the company with the cheapest Volkswagen Beetle rate quotes.

Getting rate quotes online is very simple and it makes it a waste of time to make phone calls or go to and from local Dallas insurance agencies. Shopping for auto insurance online can eliminate the need for a local agent unless your situation requires the extra assistance of a local Dallas agent. Although, it is possible compare the best prices online but purchase the actual policy in an agency.

The companies shown below can provide free quotes in Dallas, TX. If multiple companies are listed, we recommend you get rates from several of them to find the most affordable car insurance rates.

Cheaper Dallas car insurance quotes with discounts

Some insurers don’t always advertise every available discount very well, so below is a list both well-publicized in addition to some of the lesser obvious discounts that may be available.

• Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems prevent vehicle theft and will qualify for a discount on a Dallas auto insurance quote.
• Discounts for Multiple Vehicles – Buying coverage for all your vehicles with the same car insurance company can get a discount on all vehicles.
• Homeowners Savings – Being a homeowner can get you a discount because owning a home demonstrates responsibility.
• Accident Forgiveness Coverage – This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm allow you one accident before raising your premiums if your claims history is clear for a certain period of time.
• Clubs and Organizations – Joining a professional or civic organization may earn a discount on your next car insurance statement.
• College Student – Any of your kids who live away from home at college and leave their car at home could get you a discount.
• Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% than drivers with accidents.

Just know that most of the big mark downs will not be given the whole policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you aren’t that lucky.

The information below shows the comparison of Volkswagen Beetle yearly insurance costs with and without discounts applied to the policy rates. The price estimates are based on a female driver, no violations or accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, multi-policy, marriage, and homeowner discounts applied.

A few popular companies and the discounts they provide include:

• Travelers policyholders can earn discounts including payment discounts, multi-car, continuous insurance, early quote, hybrid/electric vehicle, and new car.
• 21st Century has savings for driver training, good student, theft prevention, defensive driver, and anti-lock brakes.
• State Farm may include discounts for good student, multiple autos, good driver, student away at school, accident-free, and multiple policy.
• GEICO offers discounts including defensive driver, federal employee, emergency military deployment, air bags, five-year accident-free, membership and employees, and military active duty.
• SAFECO includes discounts for accident prevention training, homeowner, bundle discounts, teen safety rewards, drive less, safe driver, and anti-theft.
• AAA offers premium reductions for multi-car, education and occupation, good driver, multi-policy, and pay-in-full.

If you need lower rates, check with every insurance company which credits you are entitled to. Some of the discounts discussed earlier may not apply in Dallas.

Statistics and details

The information shown below highlights detailed analysis of insurance coverage prices for Volkswagen Beetle models. Learning as much as possible about how insurance quotes are calculated is important for you to make decisions on the best policy coverages.

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can alter rates greatly.

Analysis of deductible levels

One of the most common insurance questions is how high or low should comp and collision deductibles be. The comparisons below may help to illustrate the costs and benefits between high and low deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in your specific Dallas location which can affect prices substantially.

We can estimate from the data above that using a $100 deductible will cost you roughly $27 more each month or $324 every year across all Volkswagen Beetle models than requesting 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 go more than 15 months between claim filings, you would save more money if you choose the higher deductible.

Premiums by gender and age

The illustration below illustrates the comparison of Volkswagen Beetle auto insurance rates for male and female drivers. The costs are based on a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, single marital status, and no policy discounts are applied.

Full coverage or liability only

The diagram below illustrates the comparison of Volkswagen Beetle insurance premiums with and without full coverage. The prices are based on no claims or violations, $500 deductibles, drivers are not married, and no discounts are applied.

Should you be buying full coverage?

There is no written rule to eliminate comp and collision coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let’s pretend your Volkswagen Beetle replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $4,000 after you pay the deductible. If you are paying over $400 annually for full coverage, then it could be time to drop full coverage.

There are some conditions where only buying liability is not recommended. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage.

The Volkswagen Beetle Insurance Price Equation

Consumers need to have an understanding of some of the factors that help determine the level of your policy premiums. If you have some idea of what influences your rates, this enables you to make decisions that may reward you with better auto insurance rates. Multiple criteria are used in the calculation when you get your auto insurance bill. Some factors are common sense like a motor vehicle report, although others are more transparent such as your marital status or how safe your car is.

• A policy lapse can increase premiums – Allowing your auto insurance policy to lapse will be a guaranteed way to pay more for auto insurance. Not only will you pay higher rates, not being able to provide proof of insurance might get you a steep fine or even jail time. You could then be forced to submit proof of financial responsibility or a SR-22 with the Texas motor vehicle department.

• Youthful vs. mature drivers – Mature drivers are proven to be safer behind the wheel, cost insurance companies less in claims, and are generally more financially stable. Teen drivers tend to be careless and easily distracted when behind the wheel so they pay higher auto insurance rates.

  The following data is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.

• Auto insurance rates and your vocation – Careers like real estate brokers, social workers, and dentists are shown to have higher rates than average because of high stress levels and extremely grueling work hours. Other occupations like professors, historians and retirees get better rates.
• Can a thief steal your car? – Owning a car that has a built-in theft deterrent system can save you a little every year. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent car theft.
• High credit rating translates to low costs – Your credit score is a large factor in determining premium rates. If your credit history is low, you could potentially save money when insuring your Volkswagen Beetle by improving your rating. Insureds with high credit scores tend to file fewer claims and have better driving records than those with lower credit ratings.
• Better rates on vehicles with better crash test results – Vehicles with high crash test scores get lower rates. Vehicles engineered for safety result in less severe injuries and lower rates of occupant injuries translates directly to fewer claims and lower rates for you.
• High physical damage deductibles cost less – Comprehensive and collision coverage deductibles define how much you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your car. Some examples of covered claims would be a windshield broken by a bird, vandalism, and damage from wind. The more damage repair cost you pay before a claim is paid (deductible), the lower your rates will be.
• Rural areas have lower prices – Having an address in small towns and rural areas may provide you with better prices when buying auto insurance. People in densely populated areas have to deal with more traffic problems and longer commutes to work. Less people living in that area corresponds to lower accident rates as well as less vandalism and auto theft.

• Volkswagen Beetle insurance loss data – Insurance companies use claims history to calculate a rate that will offset losses. Vehicles that are shown to have higher losses will have a higher cost to insure.

  The table shown below demonstrates the insurance loss data for Volkswagen Beetle vehicles. For each type of coverage, the claim amount for all vehicles compiled together is equal to 100. Values that are below 100 indicate a favorable loss history, while numbers shown that are more than 100 indicate a higher chance of having a claim or statistically larger losses.

  
  

  Volkswagen Beetle Insurance Claim Statistics

  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

  BETTER

  AVERAGE

  WORSE

  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Local Dallas car insurance agents and car insurance

A lot of people just want to sit down with an agent. Experienced insurance agents can point out coverage gaps and give you someone to call. A good thing about getting online price quotes is that drivers can save money and get lower rates and still have a local agent.

To find an agent, once you fill out this form (opens in new window), your coverage information gets sent to participating agents in Dallas that give free quotes for your business. It makes it easy because there is no need to visit any agencies because quoted prices will be sent immediately to you. If you need to compare prices from a particular provider, feel free to jump over to their website and complete a quote there.

Selecting an provider should depend on more than just the price. These are valid questions to ask:

• Has the agent ever had any license suspensions?
• Do they write coverage based solely on cost?
• Is the agent CPCU or CIC certified?
• Can they provide you with a list of referrals?
• How long have they been in business?
• Are they in the agency full-time?

When finding a reliable agent, you need to know there are two types of agencies and how they are slightly different. Agents in Dallas are either independent or exclusive. Both types of agents can handle car insurance, but it’s good to learn the subtle differences since it could factor into your selection of an agent.

Exclusive Insurance Agencies

Agents that elect to be exclusive normally can only provide a single company’s rates like Farmers Insurance or State Farm. They generally cannot shop your coverage around so you need to shop around if the rates are high. Exclusive agents receive extensive training on their company’s products which helps offset the inability to provide other markets.

Below is a short list of exclusive insurance agents in Dallas that are able to give rate quotes.

View more agents

Independent Car Insurance Agencies

These type of agents can quote rates with many companies and that allows them to write policies through many different car insurance companies and find you the best rates. If you want to switch companies, your agent can just switch to a different company and that require little work on your part. If you need lower rates, we recommend you check rates from several independent insurance agents so that you have a good selection of quotes to compare.

Listed below is a list of independent agents in Dallas that can give you price quote information.

View more agents

Cheaper car insurance rates are available

We covered quite a bit of information on how to save on Volkswagen Beetle insurance in Dallas. The most important thing to understand is the more you quote Dallas auto insurance, the more likely it is that you will get a better rate. You may even be surprised to find that the biggest savings come from a small mutual company. They often have lower auto insurance rates on specific markets compared to the large companies like Allstate, GEICO and Progressive.

As you prepare to switch companies, do not buy poor coverage just to save money. In too many instances, an insured cut liability limits or collision coverage and learned later they didn’t have enough coverage. Your aim should be to get the best coverage possible at the best price but still have enough coverage for asset protection.

Budget-friendly car insurance in Dallas can be bought on the web and from local agencies, so you should be comparing quotes from both to have the best chance of lowering rates. Some car insurance companies don’t offer the ability to get a quote online and many times these small insurance companies only sell coverage through independent insurance agencies.

Even more information is located by following these links:

• Rollover Crash FAQ (iihs.org)
• What Car Insurance is Cheapest for 4×4 Vehicles in Dallas? (FAQ)
• How Much are Dallas Auto Insurance Rates for a Toyota Highlander? (FAQ)
• What Car Insurance is Cheapest for a Toyota RAV4 in Dallas? (FAQ)
• How Much are Car Insurance Quotes for Police Officers in Dallas? (FAQ)
• How Much is Dallas Auto Insurance for a Toyota 4Runner? (FAQ)
• Car Insurance: When not to Skimp (BankRate.com)
• Drunk Driving Statistics (Insurance Information Institute)
• Where can I buy Insurance? (Insurance Information Institute)