How to Compare Sacramento Volkswagen Beetle Insurance

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.

Insurance quote for Volkswagen Beetle in SacramentoThe 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.

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.Save money with discounts

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.

Volkswagen Beetle Insurance Rates in Sacramento, CA
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
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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.

Volkswagen Beetle insurance rates with $250 deductibles
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
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Volkswagen Beetle insurance rates with $500 deductibles
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
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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.

Find insurance agent in SacramentoBy 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.

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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.

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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:

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.Higher deductibles save money

For instance, these questions could help you determine whether or not you might need an agent’s assistance.

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.

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.

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

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Top 10 Sacramento Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 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.

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