Cheap Insurance for a Volkswagen Beetle in El Paso

Regrettably, the vast majority of consumers have stayed with the same insurance company for over three years, and nearly 40% of drivers have never shopped around. Drivers in El Paso could save as much as $1,770 each year, but most undervalue the actual amount they would save if they switched to a more affordable policy.

The best way we recommend to get more affordable Volkswagen Beetle insurance in El Paso is to compare prices at least once a year from providers in Texas. Drivers can shop around by following these guidelines.

• First, gain an understanding of policy coverages and the things you can change to keep rates in check. Many things that increase rates like accidents, traffic tickets, and an imperfect credit score can be improved by making small lifestyle or driving habit changes.
• Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO or Allstate, while agents who are independent can give you price quotes from many different companies.
• Third, compare the new rate quotes to your existing rates to determine if you can save on Beetle insurance in El Paso. If you can save some money and make a switch, verify that coverage does not lapse between policies.
• Fourth, notify your company or agent of your intention to cancel your existing policy and submit a signed application and payment for the new coverage. Make sure you put the new proof of insurance paperwork in a readily accessible location in your vehicle.

The critical component of shopping around is to use the same level of coverage on every quote request and and to get price estimates from as many car insurance companies as possible. This enables an apples-to-apples comparison and the best price selection.

First Step: Get free Volkswagen Beetle insurance quotes

The are a couple different ways to get quotes from companies that offer auto insurance in Texas. The best way to find the cheapest insurance rates consists of obtaining rate quotes online.

It’s so simple to compare auto insurance rate quotes online replaces the need to spend your day driving to insurance agents’ offices. Quoting Volkswagen Beetle insurance online makes this unnecessary unless you require the guidance that only a licensed agent can provide. Although you can compare the best prices online and get advice from an agent in your area. When comparison shopping, comparing more quotes increases the chance that you will find a lower rate. Not every company does online price quotes, so you should also compare rates from them, too.

The following companies have been selected to offer free quotes in El Paso, TX. If multiple companies are shown, it’s a good idea that you compare several of them in order to get a fair rate comparison.

Rate information and statistics

The premium information displayed next highlights detailed analysis of insurance prices for Volkswagen Beetle models. Being more informed about how insurance prices are calculated is important for making decisions when choosing a new policy provider.

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Table data does not factor in vehicle garaging location which can increase or decrease rates considerably.

How high should deductibles be?

One of the more difficult decisions when buying car insurance is at what level do you set your deductibles. The following insurance rates can help you understand the difference in cost when you choose different physical damage coverage deductibles. The first table uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in your specific El Paso location which can revise premium rates noticeably.

Based on this data, using a $250 deductible costs roughly $28 more each month or $336 for a full year averaged for all Beetle models than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 27 months between claims, you would more than likely save some money if you elect the higher deductible.

The example below illustrates how your choice of deductibles and can increase or decrease Volkswagen Beetle premium costs for each age group. The data is based on a single male driver, full physical damage coverage, and no discounts are applied.

Full coverage or liability only

The chart below illustrates the comparison of Volkswagen Beetle auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no claims, a clean driving record, $500 deductibles, drivers are not married, and no discounts are factored in.

When to drop comprehensive and collision

There isn’t a written rule to delete physical damage insurance, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let’s say your Volkswagen Beetle claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $6,000 after paying the physical damage deductible. If premium cost is more than $600 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some circumstances where buying only liability insurance is not a good idea. If you still have a lienholder on your title, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Volkswagen Beetle insurance discounts in El Paso

Insurance is neither fun to buy or cheap, but you might find some hidden discounts that may help make it more affordable. Certain discounts will be applied when you get a quote, but a few must be requested specifically prior to getting the savings.

• Senior Discount – Mature drivers could receive better insurance rates.
• Membership in Organizations – Belonging to a qualifying organization is a simple method to lower premiums when shopping for insurance.
• Multiple Cars – Buying insurance for multiple cars with the same company qualifies for this discount.
• Own a Home – Simply owning a home may trigger a policy discount on insurance since owning and maintaining a home demonstrates responsibility.
• Safety Restraint Discount – Drivers who require all occupants to use their safety belts could save 15% on medical payment and PIP coverage.
• Driving Data Discount – Drivers who elect to allow data collection to look at driving manner by installing a telematics device like Allstate’s Drivewise could possibly reduce rates as long as the data is positive.
• E-sign – Some larger companies will provide an incentive shop El Paso car insurance digitally online.
• Anti-lock Brake System – Cars and trucks with ABS and/or traction control can avoid accidents so you can save 10 percent or more.
• Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and will qualify for a discount on a El Paso car insurance quote.
• Passive Restraints – Vehicles with factory air bags may qualify for discounts up to 30%.

Discounts lower rates, but most of the big mark downs will not be given to the entire policy premium. The majority will only reduce specific coverage prices like comp or med pay. Even though the math looks like you would end up receiving a 100% discount, it doesn’t quite work that way.

The example below shows the comparison of Volkswagen Beetle insurance prices with and without discounts being applied to the rates. The costs are based on a male driver, no claims or driving citations, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-car, multi-policy, and claim-free discounts applied.

Companies who may offer some of the discounts shown above include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

If you need lower rates, check with each insurance company how many discounts you can get. All car insurance discounts may not apply in El Paso. To see insurers that offer discounts in Texas, click here.

Choosing Volkswagen vehicle insurance is an important decision

Despite the potentially high cost of Volkswagen Beetle insurance, maintaining insurance is required in Texas but it also protects you in many ways.

First, most states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability coverage if you don’t want to risk a ticket. 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.

Second, if your Volkswagen Beetle has a lienholder, almost every bank will require you to have comprehensive coverage to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender will be forced to insure your Volkswagen at an extremely high rate and require you to fork over the higher premium.

Third, auto insurance preserves not only your Volkswagen Beetle but also your assets. It will also cover most medical and hospital costs for you, your passengers, and anyone else injured in an accident. Liability coverage will also pay for a defense attorney if you are sued as the result of an accident. If you have damage to your Volkswagen as the result of the weather or an accident, collision and comprehensive coverages will cover the repair costs.

The benefits of having insurance more than cancel out the cost, particularly when you have a large claim. As of last year, the average driver in Texas is overpaying more than $865 each year so compare rates once a year at a minimum to make sure the price is not too high.

Ratings for Texas car insurance companies

Ending up with a good quality company can be challenging considering how many different insurance companies sell coverage in Texas. The company information shown next could help you choose which auto insurance companies you want to consider comparing prices from.

Top 10 El Paso Car Insurance Companies Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

Top 10 El Paso Car Insurance Companies Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

When do I need an agent’s advice?

When it comes to choosing a policy, there really is no single plan that fits everyone. Each situation is unique and your insurance should be unique as well.
For example, these questions can help discover if you may require specific advice.

• What is roadside assistance coverage?
• Is upholstery damage covered by car insurance?
• Am I covered when driving someone else’s vehicle?
• What is the minimum liability in Texas?
• Does medical payments coverage apply to all occupants?
• Do I need PIP (personal injury protection) coverage in Texas?
• Should I rate my vehicle as business use?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Local neighborhood insurance agents

Many people still prefer to buy from a local agent and doing that can be a smart decision A nice benefit of comparing car insurance online is that you can find cheap rate quotes and still choose a local agent.

For easy comparison, once you complete this form (opens in new window), the coverage information is sent to companies in El Paso who will give you bids for your business. You never need to drive around because quoted prices will be sent directly to your email. It’s the lowest rates without requiring a lot of work. If you wish to get a rate quote from a specific car insurance provider, you would need to visit that company’s website and fill out the quote form the provide.

Deciding on an company requires you to look at more than just the quoted price. Before buying a policy in El Paso, get answers to these questions.

• Do they have cheaper tiers of coverage?
• Which members of your family are coverage by the policy?
• How would your car be valued if totaled?
• Will one accident increase rates?
• Do the coverages you’re quoting properly cover your vehicle?
• Can you choose the body shop in case repairs are needed?
• When do they do policy reviews?

El Paso car insurance agents are either independent or exclusive

If you need to find a local agent, there are a couple of different types of agencies and how they can service your needs differently. Car insurance agents in El Paso can either be independent or exclusive depending on the company they work for.

Exclusive Insurance Agencies

Exclusive agencies have only one company to place business with and some examples include Allstate, AAA, Farmers Insurance, and State Farm. These agents are not able to give you multiple price quotes so you need to shop around if the rates are high. These agents are trained well on their company’s products which helps offset the inability to provide other markets.

Shown below is a list of exclusive insurance agents in El Paso that can give you comparison quotes.

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Independent Agents (or Brokers)

Agents of this type are not limited to a single company and that enables them to quote your coverage through many companies and potentially find a lower price. If you want to switch companies, your policy is moved internally and you can keep the same agent.

When comparing car insurance prices, you will definitely want to include rate quotes from a couple of independent agencies to maximize your price options.

Shown below is a short list of independent agencies in El Paso that can give you price quote information.

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