Car Insurance Quotes for a Volkswagen Beetle in Plano

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Insurance for Volkswagen BeetleBeing forced to pay for pricey car insurance premiums can dry up your accounts and force you to cut corners elsewhere.

Unbelievably, the vast majority of consumers renewed their policy with the same company for at least four years, and just short of a majority have never compared rates from other carriers. Plano drivers could pocket approximately $1,766 a year just by comparing rates, but most tend to underestimate the rate savings if they switched to a more affordable policy. Vehicle owners have multiple insurance companies to purchase coverage from, and although it's nice to have a choice, too many choices makes it more difficult to compare company pricing for Volkswagen Beetle insurance in Plano.

Finding more affordable Plano auto insurance rates is an easy way to save money. You just have to spend a few minutes to get quotes from some recommended companies.

Online shopping is fast and free, and it replaces the need to waste gas driving to insurance agencies in your area. The fact that you can get quotes online eliminates the middleman unless you want the advice and guidance of a local agency. Some companies do allow you to comparison shop your insurance online but purchase the actual policy in an agency.

The companies shown below are our best choices to provide free rate quotes in Texas. If you want cheap auto insurance in Plano, we suggest you visit two to three different companies to get a more complete price comparison.

Facts and figures for Volkswagen Beetle insurance

The information displayed next covers a range of policy rates for Volkswagen Beetle models. Having a better understanding of how policy premiums are figured is important to be able to make smart choices when purchasing an insurance policy.

Volkswagen Beetle Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $274 $670 $422 $24 $126 $1,516 $126
Beetle 2-Dr Convertible $356 $788 $326 $20 $98 $1,588 $132
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Prices do not factor in specific garaging location which can raise or lower premiums noticeably.

Higher deductibles save money

When shopping for insurance, a common question is the level to set your comp and collision deductibles. The rates shown below outline the rate differences when you choose different policy deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.

Volkswagen Beetle insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $256 $496 $324 $20 $96 $1,217 $101
Beetle 2-Dr Convertible $332 $584 $252 $14 $76 $1,283 $107
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Volkswagen Beetle insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $208 $400 $324 $20 $96 $1,048 $87
Beetle 2-Dr Convertible $270 $472 $252 $14 $76 $1,084 $90
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can affect coverage rates noticeably.

Based on the figures above, using a $250 deductible could cost the average driver approximately $15 more each month or $180 each year than choosing 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 least 17 months between claims, you would probably be better off if you decide on a higher deductible.

Here's why insurance is not optional

Even though Plano Beetle insurance rates can get expensive, paying for insurance may be required for several reasons.

  • Almost all states have compulsory liability insurance requirements which means you are required to buy a specific level of liability protection in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If your vehicle has a lienholder, it's most likely the lender will require that you have insurance to protect their interest in the vehicle. If coverage lapses or is canceled, the lender may insure your Volkswagen at a much higher premium rate and force you to reimburse them much more than you were paying before.
  • Insurance protects your Volkswagen and your assets. Insurance will also pay for all forms of medical expenses that are the result of an accident. As part of your policy, liability insurance also covers legal expenses if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of carrying enough insurance definitely exceed the price paid, especially if you ever need it. The average driver in Texas is overpaying over $800 each year so compare rate quotes at every renewal to help ensure money is not being wasted.

Learn How to Quote Car Insurance for Less

Lots of factors are part of the equation when you get a price on insurance. Most are fairly basic like an MVR report, although some other factors are more transparent like your vehicle usage and annual miles driven.

  • More traffic means higher claims - Having an address in small towns and rural areas has definite advantages if you are looking for the lowest rates. People in densely populated areas tend to have traffic congestion and more time behind the wheel. Fewer drivers means reduced accidents as well as less vandalism and auto theft.
  • Drivers with responsible credit save - Having a bad credit history is a large factor in calculating your car insurance rates. People with very good credit scores tend to file fewer claims as compared to drivers with worse credit. If your credit score can use some improvement, you could pay less to insure your Volkswagen Beetle by improving your rating.
  • Lower performance equals lower insurance rates - The performance level of the car you are trying to find cheaper insurance for makes a substantial difference in your premium level. Economy passenger cars usually have the lowest premiums, but that's not the only thing that factors into the final price.

    The chart below uses these assumptions: single male driver age 20, full coverage with $500 deductibles, and no discounts or violations. It shows Volkswagen Beetle rates compared to other models of vehicles that have a range of performance risks.

  • Gender impacts prices - Statistics have proven females are less aggressive when driving. This data doesn't prove that females are better at driving than males. Men and women get in accidents at a similar rate, but men have accidents that have higher claims. Not only are claims higher, but men get more serious tickets like DWI (DUI) or reckless driving.

    The example below illustrates the comparison of Volkswagen Beetle insurance costs for male and female drivers. The information is based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, single marital status, and no additional discounts are factored in.

  • Traffic violations mean higher costs - Even a single driving citation can boost insurance rates substantially. Drivers who don't get tickets tend to pay less for car insurance compared to bad drivers. Drivers who have gotten flagrant citations like reckless driving or DUI may find that they have to to file a SR-22 with their state motor vehicle department in order to legally drive.

    The illustration below demonstrates how traffic citations and at-fault fender-benders can increase Volkswagen Beetle insurance prices for different categories of driver ages. The rate quotes are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.

  • Alarms and GPS tracking lower car insurance rates - Purchasing a vehicle with anti-theft technology or alarm system can help lower your premiums. Systems that thwart thieves such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop car theft and help bring rates down.
  • Vehicles with better crash test results mean better rates - Cars with five star safety ratings tend to be cheaper to insure. Highly rated vehicles reduce occupant injuries and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Decrease car insurance rates by maintaining coverage - Driving your car without having proper coverage is not a good idea and your next policy will cost more because you let your insurance expire. Not only will you pay more, the inability to provide proof of insurance might get you a fine, jail time, or a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with the Texas department of motor vehicles.
  • Volkswagen Beetle insurance loss data - Insurance companies use past insurance losses when setting rates for each model. Vehicles that have a trend towards higher claim severity or frequency will have higher rates for specific coverages.

    The next table illustrates the compiled insurance loss statistics for Volkswagen Beetle vehicles. For each coverage category, the claim probability for all vehicles, as an average, equals 100. Numbers shown that are under 100 are indicative of better than average losses, while numbers that are greater than 100 indicate more frequent losses or statistically larger claims.

    Volkswagen Beetle Insurance Claim Statistics
    Vehicle 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

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

Companies offer many types of discounts on Volkswagen Beetle insurance in Plano

Some insurance providers don't always publicize all possible discounts in an easy-to-find place, so we took the time to find a few of the more common as well as the least known discounts that you can inquire about if you buy Plano car insurance online. If you do not double check each discount you qualify for, you're just leaving money on the table.Discount car insurance

  • Waiver for an Accident - This isn't a discount exactly, but a few companies such as State Farm, Progressive and GEICO will turn a blind eye to one accident without raising rates as long as you don't have any claims for a specific time period.
  • Claim-Free Discount - Drivers with accident-free driving histories can earn big discounts in comparison with drivers with a long claim history.
  • Theft Prevention Discount - Cars and trucks equipped with tracking devices and advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Anti-lock Brake System - Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Savings for New Vehicles - Putting insurance coverage on a new Beetle can get you a discount since new vehicles have better safety ratings.
  • Military Rewards - Being on active deployment in the military could mean lower rates.
  • Seat Belts Save - Drivers who always wear seat belts and also require passengers to buckle up before driving can save up to 10 percent (depending on the company) off the medical payments premium.
  • Passive Restraints and Air Bags - Vehicles equipped with air bags and/or automatic seat belt systems can get savings as much as 30%.
  • Good Students Pay Less - Getting good grades could provide a savings of up to 20% or more. You can use this discount normally until age 25.
  • Life Insurance - Insurance companies who offer life insurance give a lower premium rate if you buy a life policy as well.

Don't be surprised that most credits do not apply to the whole policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, car insurance companies aren't that generous.

The chart below compares Volkswagen Beetle car insurance costs with and without policy discounts. The prices are based on a male driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, homeowner, marriage, and multi-car discounts applied.

To view companies offering car insurance discounts in Texas, follow this link.

Shop online but buy locally

Certain consumers just want to get professional advice from a licensed agent and we recommend doing that Most agents can help determine the best coverages and help you file claims. The best thing about price shopping on the web is you can get better rates and still choose a local agent.

Insurance agents in PlanoTo help locate an agent, after submitting this form (opens in new window), your coverage information is instantly submitted to local insurance agents in Plano who want to provide quotes for your coverage. You don't have to find an agent due to the fact that quote results will go immediately to your email address. If you have a need to get a rate quote for a specific company, don't hesitate to navigate to their website and fill out their quote form.

Deciding on an provider should depend on more than just the bottom line cost. Any agent in Plano should be forthright in answering these questions:

  • How experienced are they in personal risk management?
  • Do they offer accident forgiveness?
  • Is the agent and/or agency licensed to do business in Texas?
  • When do they do a full risk review?
  • How much will you save each year by using a higher deductible?
  • Does the agency have a positive business rating?

Two types of Plano auto insurance agents

If you're trying to find a reputable agency, it can be helpful to understand the types of agencies that you can select. Agents in Plano are classified as either independent agents or exclusive agents. Both can insure your vehicles, but it is important to understand how they differ because it may have an impact on the kind of agent you use.

Exclusive Agents

Exclusive insurance agents work for only one company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents cannot provide rate quotes from other companies so if the price isn't competitive there isn't much they can do. Exclusive agencies are trained well on sales techniques which helps overcome the inability to quote other rates.

Listed below are Plano exclusive agents that are able to give price quote information.

2415 Coit Rd d - Plano, TX 75075 - (972) 769-8800 - View Map

2301 N Central Expy #260 - Plano, TX 75075 - (972) 423-7667 - View Map

8000 Coit Rd #100 - Plano, TX 75025 - (972) 731-0350 - View Map

More Plano agents

Independent Insurance Agents

These agents can quote rates with many companies so they can quote policies through many different auto insurance companies depending on which coverage is best. If they find a lower price, your policy is moved internally which is easy for the insured.

If you are comparing rate quotes, you definitely need to get some free quotes from at a minimum one independent agency to ensure the widest selection of prices.

Below are Plano independent insurance agencies who can help you get price quote information.

1145 14th St #2117 - Plano, TX 75074 - (972) 398-0001 - View Map

903 18th St Ste 124 - Plano, TX 75074 - (972) 424-4209 - View Map

Texas FIrst Rate Insurance Agency
2105 W Spring Creek Pkwy #375c - Plano, TX 75023 - (972) 467-6500 - View Map

More Plano agents

Upon receiving good feedback and cheaper Beetle insurance quotes, it's possible that you found a car insurance agent that meets your needs to insure your vehicles.

Affordable auto insurance rates are possible

We just covered many ideas to get a better price on Volkswagen Beetle insurance in Plano. The most important thing to understand is the more price quotes you have, the better chance you'll have of finding the cheapest Volkswagen Beetle rate quotes. Consumers could even find that the best car insurance rates are with some of the smallest insurance companies. Smaller companies may only write in your state and offer lower premium rates as compared to the big name companies such as State Farm or Progressive.

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There have been many cases where someone sacrificed liability limits or collision coverage to discover at claim time they didn't have enough coverage. Your focus should be to buy enough coverage at the best possible price and still be able to protect your assets.

How to find cheaper Volkswagen Beetle insurance in Plano

It takes a little time, but the best way to find more affordable Volkswagen Beetle insurance is to start comparing prices regularly from insurance carriers who provide auto insurance in Plano.

First, read and learn about policy coverages and the steps you can take to prevent expensive coverage. Many policy risk factors that cause rate increases like your driving record and poor credit history can be controlled by making minor driving habit or lifestyle changes.

Second, request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like Progressive and State Farm, while independent agencies can quote rates for a wide range of companies. Begin your rate comparison

Third, compare the price quotes to your existing policy and determine if there is any savings. If you find a better price and decide to switch, make sure coverage does not lapse between policies.

A key point to remember is that you'll want to make sure you compare the same deductibles and limits on every price quote and and to get rate quotes from every insurance company. Doing this enables a fair price comparison and plenty of rates choose from.

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