It’s an obvious statement that car insurance companies don’t want you to look at other companies. Consumers who compare rates annually are likely to switch to a new company because they have good chances of finding a policy with more affordable rates. A recent survey found that consumers who compared rates regularly saved as much as $860 a year compared to other drivers who never shopped around for cheaper prices.
If finding the cheapest rates on insurance in Tucson is your objective, then having a grasp of how to shop for insurance can save time and make the process easier.
The recommended way to get cheaper Volkswagen Beetle insurance is to start comparing rates regularly from insurers who provide auto insurance in Tucson.
Step 1: Spend some time learning about how your policy works and the things you can change to drop your rates. Many things that result in higher rates such as tickets, at-fault accidents, and a low credit score can be amended by improving your driving habits or financial responsibility.
Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Farmers Insurance, while independent agents can give you price quotes for a wide range of insurance providers.
Step 3: Compare the new quotes to the price on your current policy to determine if you can save on Beetle insurance. If you can save money, make sure there is no coverage gap between policies.
A key point to remember is to use identical coverage information on each quote request and and to get rate quotes from all possible companies. This helps ensure an accurate price comparison and a complete price analysis.
Do you qualify for discounts?
Companies that sell car insurance don’t list all possible discounts very well, so we break down a few of the more well known and also the more inconspicuous ways to save on auto insurance. If you do not check that you are getting every discount possible, you could be saving more on your auto insurance.
- Driver Safety – Taking a defensive driving course could cut 5% off your bill if your company offers it.
- Discount for New Cars – Putting insurance on a new Beetle can be considerably cheaper since new model year vehicles are generally safer.
- Braking Control Discount – Cars with anti-lock braking systems have fewer accidents so you can save 10 percent or more.
- Renewal Discounts – Some larger companies provide a discount for switching companies before your current coverage expires. It’s a savings of about 10%.
- Full Payment Discount – By making one initial payment as opposed to paying monthly you may have a lower total premium amount.
- Discount for Home Ownership – Being a homeowner can save a few bucks because it demonstrates responsibility.
Consumers should know that most discount credits are not given to the overall cost of the policy. Some only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like you could get a free auto insurance policy, insurance companies wouldn’t stay in business.
The example below shows the difference between Volkswagen Beetle insurance rates with and without policy discounts. The prices are based on a female driver, a clean driving record, no claims, Arizona state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, homeowner, multi-policy, and claim-free discounts applied.
To find providers who offer cheap Volkswagen Beetle insurance quotes in Tucson in Arizona, follow this link.
The best way to compare car insurance company rates for Volkswagen Beetle insurance in Tucson is to know the fact almost all companies allow for online access to compare rate quotes. The only thing you need to do is provide a small amount of information such as whether or not you need a SR-22, if the vehicle is leased, which vehicles you own, and how old drivers are. That rating information is sent automatically to multiple auto insurance providers and they return cost estimate almost instantly.
If you wish to get multiple quotes for your Volkswagen Beetle now, click here and enter your coverage details.
The companies shown below are our best choices to provide free rate quotes in Arizona. If multiple companies are listed, we recommend you compare several of them to get the best price comparison.
Rates and statistics
The premium information displayed next showcases detailed analysis of insurance rates for Volkswagen Beetle models. Being aware of how insurance rates are determined is important to be able to make smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $224 | $480 | $344 | $20 | $102 | $1,170 | $98 |
| Beetle 2-Dr Convertible | $290 | $566 | $268 | $16 | $80 | $1,220 | $102 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in specific location which can alter price quotes substantially.
Physical damage deductibles
The hardest decision when buying coverage is which deductible level should you buy. The comparison tables below may help you to understand the price difference when you choose different coverage deductibles. The first set of rates uses a $100 deductible for physical damage and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $224 | $466 | $254 | $16 | $76 | $1,061 | $88 |
| Beetle 2-Dr Convertible | $292 | $548 | $198 | $12 | $60 | $1,135 | $95 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $164 | $314 | $254 | $16 | $76 | $824 | $69 |
| Beetle 2-Dr Convertible | $212 | $370 | $198 | $12 | $60 | $852 | $71 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price information does not factor in specific zip code location which can lower or raise coverage prices considerably.
Using the data above, we can ascertain that using a $100 deductible costs about $22 more each month or $264 each year than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 18 months between claims, you would come out ahead if you elect the higher deductible.
How to determine when to raise your deductibles
| Average monthly premium for $100 deductibles: | $92 |
| Average monthly premium for $500 deductibles (subtract): | – $70 |
| Monthly savings from raising deductible: | $22 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $22 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
An important sidenote is that a higher deductible results in more money out-of-pocket when you file a claim. You need some non-essential savings in order to pay the deductible.
The illustration below demonstrates how choosing different deductibles and can change Volkswagen Beetle insurance premiums for each different age category. The costs are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.
Cautious drivers save money
The illustration below highlights how speeding tickets and at-fault accidents impact Volkswagen Beetle premium costs for different age groups of insureds. The prices are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.
Male drivers compared to female drivers
The information below compares Volkswagen Beetle car insurance rates for male and female drivers. The information is based on no accidents or driving violations, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no discounts are applied.
When in doubt talk to an agent
When quoting and comparing coverage online or from an agent, there really is not a “perfect” insurance plan. Each situation is unique.
These are some specific questions may help you determine if you may require specific advice.
- Is there a penalty for late payment?
- What is an SR-22 filing?
- Can I pay claims out-of-pocket if I buy high deductibles?
- When should my teen driver be added to my policy?
- How long can I keep a teen driver on my policy?
- What does medical payments coverage do?
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.
Local Tucson insurance agencies
A lot of people still like to talk to a local agent and doing that can be a smart decision One of the best bonuses of price shopping on the web is you may find cheap insurance quotes but still work with a licensed agent. Supporting local insurance agencies is important particularly in Tucson.
To make it easy to find an agent, after completing this simple form, the coverage information is instantly submitted to agents in your area that provide free Tucson auto insurance quotes for your business. You don’t have to find an agent on your own because prices are sent to you. You can find the lowest rates without having to waste a lot of time. If for some reason you want to get a rate quote from a specific insurance provider, don’t hesitate to navigate to their website and give them your coverage information.
Multiple types of auto insurance agents in Tucson
If you want a reliable insurance agent, there are a couple of types of agencies that differ in how they can insure your vehicles. Insurance agencies can either be independent agents or exclusive agents.
Independent Agents
These type of agents can sell policies from many different companies so they can quote policies through many companies and get you the best rates possible. If they find a cheaper price, your policy is moved internally which requires no work on your part. When comparing insurance prices, you will want to compare quotes from at a minimum one independent agency in order to have the best price comparison.
Listed below is a partial list of independent agencies in Tucson who may be able to give you cheap rate quotes.
Clements
6245 E Broadway BlvdSte 310 – Tucson, AZ 85711 – (520) 624-3456 – View Map
RightSure Insurance Group
5151 E Broadway Blvd #120 – Tucson, AZ 85711 – (520) 901-7010 – View Map
Mike Pierce Insurance
1809 S 6th Ave – Tucson, AZ 85713 – (520) 884-8488 – View Map
Exclusive Agents
Agents of this type can only write with one company such as Allstate, State Farm and Farmers Insurance. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive insurance agents are very knowledgeable on their company’s products which helps offset the inability to provide other markets.
Listed below is a list of exclusive agents in Tucson who can help you get comparison quotes.
Rebecca Sanford – State Farm Insurance Agent
5605 E River Rd #211 – Tucson, AZ 85750 – (520) 615-0800 – View Map
Nancy Craney – State Farm Insurance Agent
3720 W Ina Rd #132 – Tucson, AZ 85741 – (520) 742-9947 – View Map
Tim Brown: Farmers Insurance Agent
70 W Franklin St – Tucson, AZ 85701 – (520) 322-3924 – View Map
Choosing an insurance agency requires you to look at more than just a cheap quote. These are some valid questions you should ask.
- Does the company allow you to choose your own collision repair facility?
- Do they specialize in personal lines coverage in Tucson?
- Does the agent help file claims?
- Will you work with the agent or an assistant?
- How long has the business existed?
- What discounts might you be missing?
- Do they make recommendations based only on price?
- Does the agent have professional designations like CIC, CPCU or AIC?
In the end, you can save money
We just presented a lot of techniques to save on Volkswagen Beetle insurance in Tucson. It’s most important to understand that the more price quotes you have, the higher your chance of finding cheaper Tucson auto insurance quotes. Drivers may even discover the biggest savings come from a lesser-known regional company.
Some auto insurance companies may not have rates over the internet and many times these regional insurance providers only sell through independent insurance agencies. Lower-priced auto insurance in Tucson is attainable online and from local insurance agents, and you should be comparing both to have the best chance of lowering rates.
When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. There are too many instances where someone sacrificed comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage for the lowest price, but do not skimp to save money.
For more information, feel free to visit the articles below:
- What is Covered by GAP Insurance? (Allstate)
- What Auto Insurance is Cheapest for a Toyota Tacoma in Tucson? (FAQ)
- What Car Insurance is Cheapest for State Employees in Tucson? (FAQ)
- How Much are Tucson Auto Insurance Rates After a Speeding Ticket? (FAQ)
- What Auto Insurance is Cheapest for Hybrid Vehicles in Tucson? (FAQ)
- Who Has the Cheapest Tucson Auto Insurance for Ride Shares? (FAQ)
- Auto Insurance Learning Center (State Farm)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- A Tree Fell on Your Car: Now What? (Allstate)