Cheap Insurance for a Volkswagen Beetle in Atlanta

If you are new to online price comparisons, chances are good that you are overwhelmed because of the huge number of insurers that all promise the best rates for Volkswagen Beetle insurance in Atlanta.

Insurance for Volkswagen BeetleSad but true, a large majority of drivers in Georgia have been with the same company for a minimum of four years, and 38% of customers have never even compared quotes to find affordable rates. American drivers can cut their rates by $859 a year just by shopping around, but they mistakenly think it’s difficult to find affordable insurance rates.

Consumers should take time to price shop coverage before your policy renews because prices are constantly changing. Just because you had the best quotes on Volkswagen Beetle insurance in Atlanta on your last policy there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to one of the easiest ways to eliminate unnecessary coverages and save money on Volkswagen Beetle insurance in Atlanta.

Best companies for cheap Volkswagen Beetle insurance in Georgia

The companies in the list below are our best choices to provide quotes in Atlanta, GA. If multiple providers are shown, we recommend you visit as many as you can in order to get a fair rate comparison.

Volkswagen Beetle Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $228 $502 $378 $22 $114 $1,244 $104
Beetle 2-Dr Convertible $268 $550 $338 $20 $102 $1,278 $107
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Prices do not factor in specific location information which can raise or lower rates noticeably.

Cost comparison with and without full coverage

The illustration below visualizes the comparison of Volkswagen Beetle car insurance costs with and without full coverage. The price estimates are based on no claims, a clean driving record, $1,000 deductibles, single female driver, and no discounts are applied to the premium.

When to drop comprehensive and collision

There is no written rule that is best for determining when to drop full coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let’s say your Volkswagen Beetle replacement cost is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $6,000 after the policy deductible has been paid. If you are currently paying more than $600 a year for your policy with full coverage, then you may want to consider only buying liability coverage.

There are a few situations where dropping full coverage is not financially feasible. If you still have a lienholder on your title, you have to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

Car insurance premiums based on gender

The chart below shows the comparison of Volkswagen Beetle car insurance rates for male and female drivers. The premiums are based on a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, drivers are single, and no discounts are taken into consideration.

Rate comparison for different deductibles

When comparing car insurance rates, the most common question is how high should your deductibles be. The following tables lay out the premium difference when you buy lower versus higher policy deductibles. The first data table uses a $250 deductible for comp and collision and the second price table uses a $1,000 deductible.

Volkswagen Beetle insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $264 $512 $334 $20 $100 $1,255 $105
Beetle 2-Dr Convertible $344 $604 $260 $16 $78 $1,327 $111
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Volkswagen Beetle insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $164 $322 $334 $20 $100 $940 $78
Beetle 2-Dr Convertible $212 $380 $260 $16 $78 $946 $79
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Table data does not factor in zip code location which can alter prices considerably.

Based on the data above, we can derive that using a $250 deductible could cost the average driver approximately $29 more each month or $348 a year than opting for the higher $1,000 deductible. Because you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 26 months between claims, you would probably be better off if you choose a higher deductible.

Determine discounts on Atlanta auto insurance

Insuring your vehicles can cost a lot, but there may be some discounts that can drop the cost substantially. A few discounts will be applied at the time you complete a quote, but occasionally some discounts must be specifically requested before you will receive the discount. If you do not double check each discount you qualify for, you could be getting lower rates.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only reduce individual premiums such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

To see a list of auto insurance companies with discount rates in Georgia, click here.

How much car insurance do I need?

Always remember that when buying your policy, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions could help you determine whether your personal situation will benefit from professional help.

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

When do I need to contact an insurance agent?

Some consumers would rather talk to a local agent. The biggest benefit of getting free rate quotes online is the fact that you can find better rates and still have an agent to talk to. Buying from and supporting local agencies is important especially in Atlanta.

Atlanta insurance agentsBy using this simple form, the quote information is instantly submitted to agents in your area who will gladly provide quotes for your business. It’s much easier because you don’t need to search for any insurance agencies since rate quotes are delivered immediately to you. It’s the lowest rates AND an agent nearby. If you want to compare prices for a specific company, you just need to visit that company’s website and complete a quote there.

If you would like to find a reliable insurance agent, it’s important to understand the different agency structures and how they differ in how they quote coverages. Insurance agencies in Atlanta are classified as either exclusive agents or independent agents.

Independent Insurance Agents

Independent agencies do not work for one specific company so they can write business with multiple insurance companies and find the cheapest rate. If they find a lower price, they simply move the coverage in-house which requires no work on your part. When shopping rates, it’s recommended you contact several independent insurance agents to maximize your price options. A lot of them also have access to smaller mutual companies that may have much lower rates than larger companies.

The following are independent insurance agents in Atlanta who can help you get pricing information.

More Atlanta agents

Exclusive Agencies

Exclusive agencies can only provide pricing for a single company such as Farmers Insurance or State Farm. Exclusive agents are unable to compare other company’s rates so if the price isn’t competitive there isn’t much they can do. They are usually quite knowledgeable on the products they sell and that allows them to sell at a higher price point. Drivers often buy from the same agent for years partially due to the brand legacy rather than having the cheapest rates.

The following is a list of exclusive insurance agencies in Atlanta willing to provide rate quotes.

More Atlanta agents

Finding a good insurance agent requires more thought than just a cheap price. Here are some questions you should ask.

After receiving good answers to all your questions as well as an affordable premium quote, most likely you have located an insurance agency that is a good match to service your policy.

One last thing to lower rates

As you restructure your insurance plan, never skimp on coverage in order to save money. Too many times, consumers will sacrifice uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. The proper strategy is to get the best coverage possible for the lowest price and still be able to protect your assets.

Discount Volkswagen Beetle insurance in Atlanta can be purchased from both online companies and also from your neighborhood Atlanta agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not offer online price quotes and many times these regional insurance providers sell through independent insurance agencies.

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