Cheapest Volkswagen Beetle Insurance in Chula Vista

If your goal is the lowest price, then the best way to find discount car insurance rates in Chula Vista is to start comparing prices yearly from different companies in California.

1. Get a basic knowledge of coverages and the factors you can control to keep rates down. Many rating criteria that are responsible for high rates like tickets, at-fault accidents, and a poor credit score can be eliminated by making minor driving habit or lifestyle changes.
2. Request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO or Allstate, while agents who are independent can provide price quotes from many different companies. View a list of agents
3. Compare the new rates to the price on your current policy to determine if you can save on Beetle insurance in Chula Vista. If you can save money, ensure coverage does not lapse between policies.
4. Notify your company or agent of your intent to cancel the current policy and submit payment and a signed application for your new coverage. Immediately upon receiving it, put the proof of insurance certificate in an easily accessible location in your vehicle.

An essential thing to point out is to use the same level of coverage on each quote request and and to get price quotes from as many different companies as possible. This guarantees a fair price comparison and a complete rate analysis.

A study showed that the vast majority of drivers kept buying from the same company for well over three years, and nearly the majority have never compared rates to find cheap insurance. American consumers can cut their rates by as much as 47% a year by just comparing rate quotes, but they don’t understand how simple it is to find cheap auto insurance rates.

If you are paying for car insurance now, you stand a good chance to be able to cut your premiums using this information. The purpose of this article is to instruct you on how to effectively get price quotes and how you can save the most money. But California drivers need to learn how insurance companies compete online and apply this information to your search.

Most larger insurance companies such as State Farm and Allstate allow you to get coverage prices direct online. Getting Volkswagen Beetle insurance prices online is easy for anyone because you just enter your coverage preferences into a form. Once entered, the system gets credit information and your driving record and provides a quote based on the information you submitted.

Using the web to get quotes for Volkswagen Beetle insurance in Chula Vista makes it simple to compare prices and it’s very important to do this in order to get cheap prices.

To save time and compare rates using this form now, compare rates now from the companies shown below. To compare your current rates, we recommend you input deductibles and limits exactly as shown on your declarations page. This guarantees you will have a fair comparison based on similar coverages.

The companies shown below provide price comparisons in California. If multiple companies are listed, we recommend you compare several of them in order to get a fair rate comparison.

Volkswagen Beetle coverage statistics

The premium table below highlights a range of insurance coverage prices for Volkswagen Beetle models. Being more informed about how policy premiums are established helps drivers make smart policy decisions.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rates do not factor in specific location which can revise auto insurance rates substantially.

Rate comparison for different deductibles

One of the more difficult decisions when buying insurance is which deductible level should you buy. The tables below can help show the premium difference between high and low comp and collision deductibles. The first rate estimation uses a $100 deductible for physical damage and the second set of rates uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rates do not factor in zip code location which can revise premium rates substantially.

Based on these figures, using a $100 deductible will cost you approximately $31 more each month or $372 each year than buying the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you go at least 13 months between claims, you would save money going with the higher deductible. The table below shows a better example of how you can come to your own conclusion.

One important issue to know is that increasing deductibles to lower your rates means you will have to pay more out-of-pocket when you have a claim. It will be required that you have enough extra money in the event you need to pay more for the deductible.

Bad driving habits will cost you more

The chart below illustrates how violations and at-fault claims impact Volkswagen Beetle auto insurance costs for different ages of insureds. The data is based on a married male driver, full coverage, $1,000 deductibles, and no discounts are factored in.

Insurance rates based on gender

The diagram below compares Volkswagen Beetle annual premium costs for male and female drivers. The rates are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, single marital status, and no discounts are taken into consideration.

Should you buy full coverage?

The illustration below visualizes the comparison of Volkswagen Beetle insurance prices with and without physical damage coverage. The rates are based on no violations or accidents, $100 deductibles, marital status is single, and no additional discounts are factored in.

Guidelines for dropping full coverage

There is no exact rule to stop paying for full coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let’s pretend your Volkswagen Beetle replacement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $8,000 after paying the physical damage deductible. If you are paying over $800 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some situations where buying only liability insurance is not recommended. If you still have a lienholder on your title, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Three reasons to not skimp on insurance

Despite the high insurance cost for a Volkswagen Beetle in Chula Vista, buying insurance serves several important purposes.

• Almost all states have minimum liability requirements which means the state requires specific minimum amounts of liability coverage if you want to drive legally. 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 bought your Volkswagen with a loan, most banks will force you to have comprehensive coverage to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender will be forced to insure your Volkswagen at a much higher rate and force you to reimburse them a much higher amount than you were paying before.
• Insurance protects both your assets and your Volkswagen. It will also cover many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also covers legal expenses if you are sued as the result of your driving. If you have damage to your Volkswagen as the result of the weather or an accident, your insurance policy will pay to have it repaired.

The benefits of insuring your Beetle greatly outweigh the cost, especially when you need to use it. An average driver in America overpays more than $869 every year so you should quote your policy with other companies at least once a year to ensure rates are inline.

Reduce Insurance Rates with These Tips

Many factors are part of the calculation when you get your auto insurance bill. Some factors are common sense like a motor vehicle report, but other factors are more obscure like your vehicle usage or your financial responsibility.

The itemized list below are some of the items used by your company to calculate your prices.

• Insurance prices are higher for high performance vehicles – The make and model of the vehicle you own makes a big difference in the rate you pay. Economy passenger vehicles generally have the cheapest insurance rates, but many other things help determine your insurance rates.

  The chart below uses these variables: married female driver age 20, full coverage with $100 deductibles, and no discounts or violations. The chart compares Volkswagen Beetle insurance rates compared to other makes and models that have a range of performances.

• Physical damage deductibles are a factor – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your Volkswagen from damage. Examples of covered claims are a windshield shattered by a rock, collision with an animal, and rolling your vehicle. Your deductibles state the amount of money you are willing to pay if you file a covered claim. The more of the claim you are required to pay out-of-pocket, the less money you will pay for insurance.
• Your vocation may affect rates – Occupations like military generals, air traffic controllers, and emergency personnel usually pay the highest average rates attributed to high stress and long work hours. Other professions such as farmers, engineers and retirees have the lowest average rates.
• Prevent theft and reduce rates – Choosing a vehicle with an alarm system can save you some money. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent vehicle theft.
• Poor credit decisions can cost you – Credit history will be a significant factor in determining what you pay for insurance. So if your credit rating leaves room for improvement, you could save money insuring your Volkswagen Beetle by repairing your credit. Drivers with excellent credit tend to be better drivers and file fewer claims than those with lower credit ratings.
• Drive less and get lower premiums – Driving a lot of miles each year the more you’ll pay to insure it. Most insurance companies charge to insure your cars partially by how you use the vehicle. Cars left parked in the garage get more affordable rates than those used for commuting. An improperly rated Beetle may be wasting your money. Ask your agent if your insurance coverage is rated on annual mileage.
• Insurance lapses lead to higher rates – Driving without insurance is a misdemeanor and you will pay a penalty because you let your insurance expire. And not only will your rates increase, the inability to provide proof of insurance may earn you a license revocation or jail time. You may need to provide proof of insurance in the form of an SR-22 filing with the California DMV.
• Frequent insurance claims increase insurance rates – If you are the type of insured that files lots of claims you should expect increased rates or even have your policy non-renewed. Car insurance companies in California give cheaper rates to policyholders who do not file claims often. Your car insurance is intended to be relied upon for more catastrophic claims.

• Volkswagen Beetle insurance claim data – Insurers study historical loss data to help calculate a profitable premium price. Vehicles that the data shows to have a higher amount or frequency of claims will have higher premium rates. The table shown below demonstrates the insurance loss data used by companies for Volkswagen Beetle vehicles.

  For each coverage category, the statistical loss for all vehicles, regardless of manufacturer or model, equals 100. Percentages below 100 imply a favorable loss record, while numbers that are greater than 100 show a trend for more claims or an increased chance of larger losses than average.

  
  

  Insurance Loss Ratings for Volkswagen Beetle Vehicles

  Make and 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

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

Situations that may require an agent’s advice

When quoting and choosing insurance from an agent or online for your vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that.
For instance, these questions can aid in determining whether your personal situation will benefit from professional help.

• Can I get a multi-policy discount?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I have coverage if my license is suspended?
• When should I not buy collision coverage?
• What is motorclub and do I need it?
• What does medical payments coverage do?
• Can my teen driver be rated on a liability-only vehicle?
• Can I use my car for my catering business?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Which auto insurance company is best in Chula Vista?

Picking a high-quality insurance company can be difficult considering how many choices there are in Chula Vista. The company ratings displayed below may help you analyze which insurers you want to consider when comparing rate quotes.

Top 10 Chula Vista Car Insurance Companies Overall

1. USAA
2. American Family
3. AAA of Southern California
4. State Farm
5. The Hartford
6. AAA Insurance
7. GEICO
8. The General
9. Titan Insurance
10. Progressive

Find cheap rates by being thorough

Lower-priced Volkswagen Beetle insurance in Chula Vista is definitely available from both online companies as well as from insurance agents, so get free Chula Vista car insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies don’t offer the ability to get a quote online and many times these smaller companies provide coverage only through independent agencies.

While you’re price shopping online, never sacrifice coverage to reduce premiums. In many cases, an accident victim reduced full coverage to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Additional resources

• Things to Know Before you Cancel Insurance (Allstate)
• Who Has Affordable Chula Vista Car Insurance Rates for Unemployed Drivers? (FAQ)
• Who Has the Cheapest Auto Insurance for College Graduates in Chula Vista? (FAQ)
• Who Has Cheap Car Insurance Quotes After a Speeding Ticket in Chula Vista? (FAQ)
• Who Has the Cheapest Chula Vista Car Insurance for a School Permit? (FAQ)
• New head restraint design cuts injuries (Insurance Institute for Highway Safety)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
• Understanding Rental Car Insurance (Insurance Information Institute)