Remarkably, a study showed that a large majority of insurance policyholders kept their coverage with the same insurance company for at least four years, and approximately 40% of consumers have never even shopped around for cheaper coverage. Many consumers in California could save $470 a year by just comparing quotes, but they don’t believe the rate savings if they replace their high priced policy.
The preferred way to find low-cost auto insurance rates in Sacramento is to compare quotes once a year from providers in California. You can compare rates by following these steps.
- Step 1: Try to comprehend policy coverages and the measures you can take to prevent high rates. Many risk factors that cause rate increases such as multiple speeding tickets and a bad credit rating can be remedied by making minor changes to your lifestyle. Later in this article we will cover information to prevent high rates and get additional discounts.
- Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO or Allstate, while agents who are independent can quote prices from multiple companies.
- Step 3: Compare the quotes to your current policy to see if a cheaper price is available. If you find a lower rate quote and buy the policy, ensure coverage does not lapse between policies.
The key thing to remember is to use similar limits and deductibles on every quote and and to analyze as many carriers as you can. This guarantees the most accurate price comparison and many rates to choose from.
Our goal is to help educate you on how car insurance quotes work and some money-saving tips. If you have car insurance now, you will definitely be able to reduce premiums using the ideas covered in this article. Smart buyers only have to learn the proper way to compare rates online.
Compare Sacramento Volkswagen Beetle insurance rate quotes online
All major car insurance companies like State Farm, Allstate and GEICO make it easy to get pricing online. Getting quotes for Volkswagen Beetle insurance in Sacramento is easy for anyone as you simply enter your coverage preferences as detailed in the form. Once entered, their system will order your driving record and credit report and gives you a price quote based on these factors.
This makes comparing rates easy, and it is imperative to have as many quotes as possible if you want to find the best possible rates on car insurance.
In order to fill out one form to compare multiple rates now, compare rates from the companies below. If you have coverage now, it’s recommended you replicate the coverage information just like they are on your policy. This guarantees you will be getting a price comparison based on identical coverages.
The companies shown below provide quotes in Sacramento, CA. To find the best auto insurance in CA, we recommend you visit as many as you can to find the most affordable car insurance rates.
Get cheaper Volkswagen Beetle insurance in Sacramento with discounts
Companies that sell car insurance don’t necessarily list the complete list of policy discounts very well, so the list below contains both well-publicized as well as some of the hidden ways to save on auto insurance.
- Payment Method – If paying your policy premium upfront as opposed to paying monthly you could save 5% or more.
- Defensive Driving Course – Completing a defensive driver course is a good idea and can lower rates if your company offers it.
- Early Switch Discount – A few auto insurance companies allow discounts for switching policies before your current coverage expires. You could save around 10% when you buy Sacramento car insurance online.
- Active Military Service – Having an actively deployed family member can result in better prices.
- Driver Education Discount – Teen drivers should participate in a local driver’s education class in high school.
- Anti-theft Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
- Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems could see savings of 20 to 30 percent.
- Life Insurance Discount – Select insurance carriers reward you with a break if you buy a life policy as well.
Discounts lower rates, but most discounts do not apply to the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
The example below compares Volkswagen Beetle car insurance costs with and without policy discounts. The information is based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, marriage, safe-driver, and multi-policy discounts applied.
Auto insurance companies that may have most of the discounts above include:
Check with each company how many discounts you can get. Some discounts listed above may not apply to policies in your state. To see a list of companies that offer multiple discounts in Sacramento, follow this link.
Rate information and statistics
The data table displayed next outlines a range of insurance premium costs for Volkswagen Beetle models. Having insight into how insurance policy rates are established helps drivers make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $284 | $672 | $394 | $24 | $118 | $1,492 | $124 |
| Beetle 2-Dr Convertible | $370 | $792 | $306 | $18 | $92 | $1,578 | $132 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Table data does not factor in specific location which can alter auto insurance rates substantially.
Should you raise deductibles?
One of the more difficult decisions when buying insurance is where should you set your physical damage deductibles. The comparison tables below may help you to understand the costs and benefits of buying low and high physical damage deductibles. The first price estimate table uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $500 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 | $242 | $464 | $376 | $22 | $112 | $1,216 | $101 |
| Beetle 2-Dr Convertible | $314 | $546 | $292 | $18 | $88 | $1,258 | $105 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Prices do not factor in specific location which can alter auto insurance rates noticeably.
Using the data above, we can ascertain that using a $250 deductible costs about $18 more each month or $216 for a full year than quoting the higher $500 deductible. Because you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 14 months between claim filings, you would probably be better off by selecting a higher deductible. The illustration below shows the way this calculation is made.
| Average monthly premium for $250 deductibles: | $121 |
| Average monthly premium for $500 deductibles (subtract): | – $103 |
| Monthly savings from raising deductible: | $18 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $18 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
The diagram below illustrates how choosing a deductible and can raise or lower Volkswagen Beetle premium costs for different age groups of insureds. The rates are based on a single female driver, full coverage, and no other discounts are factored in.
Price comparison of only insuring for liability
The example below illustrates the comparison of Volkswagen Beetle auto insurance costs with full coverage and liability only. The premium estimates are based on no tickets, no at-fault accidents, $250 deductibles, single marital status, and no policy discounts are applied.
Are you wasting money on full coverage?
There is no written rule for dropping full coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let’s say your Volkswagen Beetle replacement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $2,000 after paying the physical damage deductible. If it’s costing you more than $200 a year for physical damage coverage, then it could be time to drop full coverage.
There are some circumstances where buying only liability insurance is not a good plan. If you still have a loan on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should maintain full coverage.
Compare rate quotes but buy from a neighborhood Sacramento auto insurance agent
A small number of people still prefer to get professional advice from a licensed agent and that is a personal choice. Good agents are trained risk managers and will help you if you have claims. The biggest benefit of comparing insurance prices online is that you can find cheaper prices and still have an agent to talk to. Buying insurance from local insurance agencies is important especially in Sacramento.
By using this simple form, the quote information is transmitted to companies in Sacramento who can give free rate quotes for your auto insurance coverage. It simplifies rate comparisons since you won’t have to drive around because prices are sent to you instantly. If you wish to get a price quote from a specific auto insurance provider, you just need to search and find their rate quote page and complete a quote there.
Different types of Sacramento auto insurance agents
If you’re trying to find a reliable agent, you should know the different types of agents to choose from. Auto insurance policy providers can be categorized as either independent or exclusive. Both types of agents can properly insure your vehicles, but it’s worth learning the difference between them because it can impact the kind of agent you use.
Independent Agents
Independent agencies are not required to write business for one company so they have the ability to put coverage through many companies and get you the best rates possible. If your premiums go up, your agent can switch companies and you can keep the same agent.
When comparing rates, you definitely need to compare prices from at a minimum one independent agency so that you have a good selection of quotes to compare. A lot of them also have access to smaller regional carriers which could offer lower prices.
Featured below is a short list of independent insurance agents in Sacramento that can give you cheap rate quotes.
- Thrive Insurance Agency
1353 Fulton Ave – Sacramento, CA 95825 – (916) 339-6490 – View Map - Nationwide Insurance: Ham Insurance Agency Inc
2210 Del Paso Rd e – Sacramento, CA 95834 – (916) 419-8228 – View Map - Bertolino Insurance Agency
9719 Lincoln Village Dr #409 – Sacramento, CA 95827 – (916) 384-9621 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive are contracted to one company like Farmers Insurance or State Farm. They generally cannot place coverage with different providers so they really need to provide good service. These agents are usually quite knowledgeable on the products they sell which can be an advantage. Some people will only use the same agent mainly due to the brand name and strong financial ratings.
Below are Sacramento exclusive agents that are able to give price quotes.
- GEICO Insurance Agent
5211 Madison Ave – Sacramento, CA 95841 – (916) 923-5050 – View Map - Moira Little – State Farm Insurance Agent
9700 Business Park Dr #304 – Sacramento, CA 95827 – (916) 854-5985 – View Map - Farmers Insurance – Wayne Wong
2015 Q St – Sacramento, CA 95811 – (916) 760-7858 – View Map
Finding the right auto insurance agent should include more criteria than just a cheap price quote. Any agent in Sacramento should have no problem answering these questions:
- How often do they review policy coverages?
- Does the agency have a positive business rating?
- How is replacement cost determined on your vehicle?
- Will they make sure you get an adequate claim settlement?
- Can you choose the body shop in case repairs are needed?
Upon receiving satisfactory answers for all questions you ask in addition to an acceptable price estimate, you may have just found a car insurance agent that meets the requirements to service your policy.
Tailor your insurance coverage to you
When it comes to a policy for your vehicles, there really isn’t a cookie cutter policy. Each situation is unique.
For instance, these questions could help you determine whether or not you might need an agent’s assistance.
- How high should my medical payments coverage be?
- What happens if I owe more than my Volkswagen Beetle is worth?
- Do I have newly-acquired coverage?
- Where can I find DUI or SR-22 insurance?
- Should I buy only the required California minimum liability coverage?
- Why am I be forced to buy a membership to get insurance from some companies?
- Can good grades get a discount?
- If my car is totaled with they pay enough to replace it?
- Does my car insurance cover rental cars?
- Do I have coverage if I rent a car in Mexico?
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.
Informed Drivers Know How to Find Car Insurance More Affordably
Many different elements are considered when premium rates are determined. Some are obvious like a motor vehicle report, although others are more transparent like your vehicle usage or your commute time.
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Vehicle risk impacts costs – The type of car you need insurance for makes a big difference in how high your rates are. Low performance passenger vehicles generally have the cheapest insurance rates, but the final cost of insurance is determined by many other factors.
The data below assumes a single female driver age 50, full coverage with $250 deductibles, and no discounts or violations. It illustrates Volkswagen Beetle car insurance rates compared to other models that have a range of performance risks.
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Car insurance rates and age – Older drivers are more responsible, statistically cause fewer accidents, and are safer drivers. Youthful drivers are statistically proven to be less responsible when driving with friends so they pay higher car insurance rates.
The data below uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.
- Adjust coverage deductibles and save – Insurance for physical damage to your car, also called ‘full coverage’, is used to repair damage to your Volkswagen. Some coverage claims are running into the backend of another car, damage from fire, and rolling your vehicle. The deductibles you choose represent how much money you are willing to pay out-of-pocket if a covered claim is submitted. The higher the amount you’re willing to pay, the lower your rates will be.
- Reserve car insurance claims for larger damages – Car insurance companies in California generally give discounts to drivers who file claims infrequently. If you frequently file small claims, you can look forward to higher rates. Auto insurance is meant to be used in the event of larger claims.
- Where do you drive? – Driving more miles annually the higher your rates will be. Most companies apply a rate partially by how you use the vehicle. Autos that sit idle most of the time get more affordable rates than those used for commuting. Verify your policy shows the proper vehicle usage. Incorrect rating for your Beetle is throwing money out the window.
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Volkswagen Beetle insurance loss data – Car insurance companies analyze historical claim data when determining insurance rates. Models that the statistics show to have a higher amount or frequency of claims will have a higher premium rate.
The table below illustrates the loss history for Volkswagen Beetle vehicles. For each type of coverage, the statistical loss for all vehicles as a whole is represented as 100. Numbers that are below 100 are indicative of better than average losses, while values over 100 indicate frequent claims or an increased probability of a larger loss.
Volkswagen Beetle Insurance Loss 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 BETTERAVERAGEWORSEStatistics from IIHS.org for 2013-2015 Model Years
Why you need vehicle insurance in California
Even though it’s not necessarily cheap to insure a Volkswagen in Sacramento, paying for auto insurance serves a purpose in several ways.
- Just about all states have minimum mandated liability insurance limits which means you are required to buy specific minimum amounts of liability protection in order to be legal. 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.
- If you took out a loan on your Volkswagen Beetle, it’s most likely the lender will make it a condition of the loan that you have full coverage to protect their interest in the vehicle. If you let the policy lapse, the bank may insure your Volkswagen for a lot more money and require you to pay a much higher amount than you were paying before.
- Auto insurance protects your Volkswagen Beetle and your assets. It will also pay for hospital and medical expenses 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 you are named as a defendant in an auto accident. If mother nature or an accident damages your car, your policy will pay to restore your vehicle to like-new condition.
The benefits of carrying enough insurance are without a doubt worth the cost, particularly for liability claims. Despite what companies tell you, the average driver is overpaying over $820 a year so you should quote your policy with other companies at least once a year to be sure current rates are still competitive.
Best car insurance company in Sacramento
Choosing the top car insurance provider is hard considering how many choices you have in Sacramento. The company rank data listed below can help you pick which auto insurance companies you want to consider when shopping around.
Top 10 Sacramento Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Top 10 Sacramento Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Get the best coverage at the most affordable price
Throughout this article, we presented many ideas to shop for Volkswagen Beetle insurance online. The most important thing to understand is the more providers you compare, the better your chances of lowering your premium rates. You may even be surprised to find that the best price on auto insurance is with a small mutual company.
Cost effective Volkswagen Beetle insurance can be found from both online companies in addition to many Sacramento insurance agents, so you should be comparing quotes from both to have the best selection. Some companies may not offer online price quotes and most of the time these small, regional companies work with independent insurance agents.
Insureds who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, poor customer service, delays in paying claims and even policy cancellation. Regardless of your reason for switching companies, switching companies can be easier than you think.
More tips and info about auto insurance can be read in the articles below:
- How to shop for a safer car (Insurance Institute for Highway Safety)
- How Much are Sacramento Car Insurance Rates for Used Cars? (FAQ)
- Who Has Cheap Sacramento Car Insurance Quotes for Low Mileage Drivers? (FAQ)
- Who Has Cheap Sacramento Auto Insurance for Teachers? (FAQ)
- Medical Payments Coverage (Liberty Mutual)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Safety Belts FAQ (iihs.org)
- Understanding Your Insurance Deductible (Insurance Information Institute)