Find Cheaper Volkswagen Beetle Insurance in Seattle

Did you make the mistake of buying an overpriced car insurance policy? Believe me when I say you’re not alone.

Surprisingly, a recent survey revealed that nearly 70% of customers kept their policy with the same company for four years or more, and virtually 40% of consumers have never compared rates to find affordable insurance. Many drivers in Seattle could save an average of about $430 each year by just comparing quotes, but most just don’t grasp the actual amount they would save if they switched to a more affordable policy. Due to the abundance of choices of insurance companies that have cheaper insurance for a Volkswagen Beetle in Seattle, it is hard for the average consumer to find the lowest price insurance company.

Smart consumers take time to compare premium rates occasionally since prices tend to go up over time. Even if you think you had the lowest rates on Volkswagen Beetle insurance in Seattle a year ago there may be better deals available now. You can find a lot of misleading information regarding Beetle insurance online, but in just a couple of minutes you can learn some excellent ideas to lower your car insurance bill.

Affordable companies for Volkswagen Beetle insurance

The companies in the list below can provide quotes in Washington. If more than one company is shown, we suggest you visit as many as you can in order to get a fair rate comparison.

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rates do not factor in your specific Seattle location which can decrease or increase coverage rates noticeably.

Physical damage deductible comparison

The example below shows how different deductible levels and can affect Volkswagen Beetle insurance prices for each age group. The price estimates are based on a married male driver, full physical damage coverage, and no discounts are applied.

Safe drivers pay less for car insurance

The example below shows how speeding tickets and accident claims impact Volkswagen Beetle insurance costs for each age group. The information is based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.

Policy deductible comparison

One of the hardest decisions when shopping for car insurance is what deductibles to buy. The rates shown below can help illustrate how much more you’ll pay between high and low coverage deductibles. The first price estimate table uses a $250 physical damage coverage deductible and the second data table uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price information does not factor in your specific Seattle location which can revise coverage prices significantly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs an average of $22 more each month or $264 annually than selecting the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 34 months between claims, you would probably save some money if you opt for a higher deductible. Below is the way we made this calculation.

One thing to note is that raising deductibles results in more money out-of-pocket at claim time. That will force you to have access to more funds in the event you need to pay the deductible.

Do you qualify for discounts on Volkswagen Beetle insurance in Seattle?

Car insurance is easily one of your largest bills, but you may be missing some discounts to reduce the price significantly. Some trigger automatically when you quote, but some discounts are required to be requested specifically before they will apply.

• Online Discount – Many companies provide a small discount for completing your application on their website.
• Life Insurance – Larger car insurance companies have a lower rate if you buy life insurance.
• Student Discounts – This discount can be rewarded with saving of up to 25%. You can use this discount normally until age 25.
• Active Military Service – Being deployed with a military unit could qualify you for better rates.
• Student in College – College-age children living away from Seattle attending college and do not have a car may qualify for this discount.
• Fewer Miles Equal More Savings – Low annual miles could qualify for discounted prices on garaged vehicles.
• Good Drivers – Insureds who avoid accidents may save up to 50% more than drivers with accidents.
• Drivers Education – It’s a good idea to have your young drivers complete a driver education course if it’s offered in school.

As a sidenote, most credits do not apply to the entire policy premium. A few only apply to individual premiums such as collision or personal injury protection. Just because it seems like you can get free auto insurance, you won’t be that lucky.

The best car insurance companies and a partial list of their discounts are:

• Esurance discounts include paid-in-full, good driver, DriveSense, online shopper, and multi-car.
• The Hartford may have discounts that include bundle, driver training, vehicle fuel type, good student, and defensive driver.
• AAA offers discounts for AAA membership discount, good student, multi-car, education and occupation, good driver, and pay-in-full.
• GEICO offers premium reductions for driver training, good student, emergency military deployment, daytime running lights, and five-year accident-free.
• State Farm has discounts for passive restraint, driver’s education, multiple policy, safe vehicle, multiple autos, accident-free, and defensive driving training.

If you need affordable Seattle auto insurance quotes, ask every insurance company to give you their best rates. Some of the discounts discussed earlier might not apply in every state. To see a list of insurers that provide some of the discounts listed above in Washington, click this link.

Get rate quotes but work with a local neighborhood Seattle car insurance agent

A lot of people prefer to talk to an insurance agent and there is nothing wrong with that. Professional insurance agents can help you choose the best coverages and help you file claims. The best thing about comparing car insurance online is that you can obtain cheap car insurance quotes and still choose a local agent. Buying from and supporting small agencies is still important in Seattle.

By using this quick form, your coverage information is instantly submitted to companies in Seattle who will give competitive quotes for your business. You never need to drive around because prices are sent directly to your email. If you have a need to compare prices from a particular provider, feel free to jump over to their website and fill out their quote form.

If you would like to find a reputable agency, it’s important to understand the types of agencies that you can choose from. Car insurance agents in Seattle are either independent or exclusive depending on the company they work for. Both do a good job, but we need to point out the difference between them because it may have an impact on which agent you choose.

Independent Car Insurance Agents (or Brokers)

These agents are not locked into one company and that is an advantage because they can write policies with multiple insurance companies and get the cheapest rates. If your premiums go up, your agent can switch companies which requires no work on your part. If you need lower rates, we recommend you get some free quotes from at a minimum one independent agency so that you have a good selection of quotes to compare.

Shown below is a small list of independent insurance agents in Seattle that can possibly get you pricing information.

View more Seattle agents

Exclusive Agents

Exclusive agents can only provide one company’s prices such as Farmers Insurance, State Farm, or Allstate. They generally cannot provide rate quotes from other companies so you might not find the best rates. Exclusive agencies are usually well trained on what they offer and that can be a competitive advantage.

Shown below are exclusive insurance agents in Seattle who can help you get price quote information.

View more Seattle agents

Finding the right car insurance agent requires you to look at more than just a low price. These questions are important to ask:

• Is the agent and/or agency licensed to do business in Washington?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Is there a local claims center in Seattle?
• Do they get paid more for recommending certain coverages?
• What insurance companies do they recommend if they are an independent agent?
• Are they full-time agents?

Parts of your insurance policy

Learning about specific coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.

Comprehensive protection

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, theft, vandalism, damage from getting keyed and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Volkswagen Beetle.

Due to the fact that many Washington drivers only carry the minimum required liability limits (which is 25/50/10), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liability limits.

Liability

Liability insurance will cover damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/10 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $10,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as medical expenses, loss of income and attorney fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible. Washington requires drivers to carry at least 25/50/10 but you should consider buying higher limits.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for X-ray expenses, funeral costs, hospital visits and pain medications. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Collision coverage protection

This pays for damage to your Beetle resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a ditch, scraping a guard rail and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to raise the deductible on your Beetle to get cheaper collision coverage.

Find cheaper rates by being thorough

Discount Volkswagen Beetle insurance in Seattle can be sourced on the web and from local agencies, and you need to comparison shop both so you have a total pricing picture. Some insurance companies may not provide online quoting and most of the time these smaller companies sell through independent agents.

In this article, we presented some good ideas how to find affordable Volkswagen Beetle insurance in Seattle. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers may even find the best premium rates are with a company that doesn’t do a lot of advertising. Regional companies may cover specific market segments cheaper compared to the large companies like State Farm and Allstate.

Additional detailed information is available at these sites:

• Uninsured Motorist Statistics (Insurance Information Institute)
• What Car Insurance is Cheapest for a 20 Year Old Male in Seattle? (FAQ)
• Who Has Affordable Seattle Auto Insurance Quotes for Drivers Requiring a SR22? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for Drivers Under 21 in Seattle? (FAQ)
• Who Has Affordable Auto Insurance Rates for Business Use in Seattle? (FAQ)
• Smart Auto Insurance Tips (Insurance Information Institute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
• Side Impact Crash Tests (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)