Car Insurance Quotes for a Volkswagen Beetle in Plano

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.

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.

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

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:

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 dPlano, TX 75075(972) 769-8800View Map

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

8000 Coit Rd #100Plano, TX 75025(972) 731-0350View 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 #2117Plano, TX 75074(972) 398-0001View Map

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

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