Cheap Insurance for a Volkswagen Beetle in Raleigh

Are you intimidated by the number of insurance providers in Raleigh? Many other people are too. There are so many providers to choose from that it is a real difficult job to compare premium rates on Volkswagen Beetle insurance. Everyone knows Raleigh is a great city to live in, but finding the money to pay for insurance can make it hard for many residents to purchase enough protection.

Steps to finding low-cost rates for Volkswagen Beetle insurance in Raleigh

Truthfully, the best way to get affordable auto insurance rates in Raleigh is to compare quotes annually from insurers who provide car insurance in North Carolina.

• Step 1: Get a basic knowledge of how your policy works and the modifications you can make to prevent expensive coverage. Many factors that cause high rates such as getting speeding tickets and a bad credit rating can be rectified by making minor driving habit or lifestyle changes. Keep reading for additional tips to help keep prices low and earn larger discounts.
• Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like Progressive or State Farm, while independent agents can quote rates from multiple companies. View insurance agents
• Step 3: Compare the price quotes to your existing policy to see if you can save by switching companies. If you find a lower rate and buy the policy, make sure coverage is continuous and does not lapse.

The most important part of this process is to compare similar limits and deductibles on every quote request and and to get rates from as many different insurance providers as possible. Doing this enables the most accurate price comparison and many rates to choose from.

It’s astonishing, but over 70% of drivers renewed their policy with the same company for well over three years, and just short of a majority have never even compared quotes to find cheap rates. Drivers in North Carolina could save themselves $90 a year just by comparing rates, but they just assume it takes a lot of time to compare other rate quotes.

If you’re already insured, you will most likely be able to save money using these methods. These tips will instruct you on how insurance works and some tips to save money. But North Carolina car owners must comprehend how the larger insurance companies charge you for coverage and use this information to your advantage.

Just keep in mind that obtaining a wide range of quotes will increase your chances of finding better pricing.

The companies in the list below are ready to provide price comparisons in North Carolina. If you want to find the best cheap car insurance in Raleigh, we recommend you visit several of them in order to find the most competitive rates.

Get discounts on Raleigh auto insurance

Some companies don’t list all discounts in a way that’s easy to find, so the below list has both well-publicized and also the lesser-known ways to save on auto insurance. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

• Defensive Driving Course – Taking a safe driver course could save 5% or more if your company offers it.
• Paperless Signup – Some of the larger companies give back up to $50 for signing up on the internet.
• Distant College Student Discount – Youth drivers who attend college more than 100 miles from Raleigh and leave their car at home may be able to be covered for less.
• Life Insurance – Some insurance carriers give a lower premium rate if you buy some life insurance too.
• Telematics Devices – Drivers that enable their insurance company to scrutinize their driving habits remotely such as State Farm’s In-Drive may get a rate reduction if they exhibit good driving behavior.
• Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates than their less cautious counterparts.

A quick disclaimer, most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like you could get a free auto insurance policy, companies don’t profit that way. Any amount of discount should definitely cut the amount you pay for coverage.

The illustration below illustrates the comparison of Volkswagen Beetle annual premium costs with and without policy discounts. The data is based on a male driver, no accidents, no driving violations, North Carolina state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, multi-car, claim-free, and safe-driver discounts applied.

A list of auto insurance companies and the discounts they provide are outlined below.

• GEICO discounts include multi-policy, emergency military deployment, seat belt use, good student, and air bags.
• Travelers may have discounts that include save driver, IntelliDrive, new car, good student, and student away at school.
• Farm Bureau has savings for multi-vehicle, safe driver, multi-policy, driver training, 55 and retired, renewal discount, and youthful driver.
• Liberty Mutual offers discounts including good student, multi-policy, hybrid vehicle, preferred payment discount, and newly retired.
• American Family policyholders can earn discounts including good student, defensive driver, bundled insurance, early bird, air bags, and good driver.
• Progressive may include discounts for continuous coverage, multi-vehicle, multi-policy, good student, online signing, homeowner, and online quote discount.

If you want cheaper Raleigh auto insurance quotes, ask each insurance company which discounts you may be entitled to. All car insurance discounts may not apply in your area. To locate providers who offer discounts in Raleigh, click here.

Auto insurance analysis for a Volkswagen Beetle

The coverage table displayed next outlines detailed analysis of coverage prices for Volkswagen Beetle models. Having a good grasp of how insurance premiums are figured is important for you to make smart choices when buying a policy.

Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rates do not factor in specific location which can alter prices considerably.

Where to set your deductibles

When comparing auto insurance rates, the most common question is where should you set your physical damage deductibles. The comparison tables below sum up how much more you’ll pay when you buy lower versus higher policy deductibles. The first pricing table uses a $250 physical damage deductible and the second data table uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Information does not factor in Raleigh location which can increase or decrease insurance rates substantially.

Based on the data above, we can derive that using a $250 deductible will cost you about $11 more each month or $132 annually averaged for all Beetle models than opting for the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 23 months between claims, you would come out ahead if you decide on a higher deductible. Here is an example of how you can decide this on your own policy.

One thing to note is that a higher deductible means you pay more out-of-pocket at claim time. That will require some money saved in the event you need to pay the higher deductible in order to repair your vehicle.