Cheapest Volkswagen Beetle Insurance in Fresno

I can’t think of a single person who looks forward to paying for auto insurance, in particular when they are paying too much.

It’s amazing but the vast majority of auto insurance customers have remained with the same auto insurance company for a minimum of four years, and nearly 40% of drivers have never compared rates with other companies. With the average auto insurance premium being $1,400, Fresno drivers could save an average of as much as 35% each year, but they underestimate how much they could save if they changed companies. Having so many different company options, it is hard for the average consumer to pick the most cost effective auto insurance company.

These tips will let you in on the best methods to compare rates and some tricks to saving. If you have a policy now, you should be able to get lower rates using these techniques. Drivers just need to learn the quickest way to shop for auto insurance from multiple carriers.

The auto insurance companies shown below offer free quotes in Fresno, CA. To locate the best cheap auto insurance in California, it’s highly recommended you get prices from several of them to get a more complete price comparison.

Get lower-cost Volkswagen Beetle insurance in Fresno with discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that could drop your premiums quite a bit. A few discounts will automatically apply when you get a quote, but some may not be applied and must be inquired about before you will receive the discount.

• Drive Less and Save – Low annual miles can earn slightly better premium rates than normal.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase auto and life insurance together.
• Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it will make them better drivers and lower rates.
• Telematics Data – Insureds who allow driving data collection to spy on driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot could see a rate decrease if they are good drivers.
• Multiple Cars – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
• No Claims – Drivers who don’t have accidents are rewarded with significantly better rates on Fresno car insurance quote compared to bad drivers.
• Multi-policy Discount – If you have multiple policies and insure them with the same company they may give you a discount of at least 10 to 15 percent or more.
• Anti-lock Brake System – Cars, trucks, and SUVs with anti-lock braking systems can stop better under adverse conditions and therefore earn up to a 10% discount.
• Cautious Driver Discounts – Drivers who avoid accidents may receive a discount up to 45% than their less cautious counterparts.
• Fresno Homeowners Discount – Owning a house in Fresno can earn you a little savings because of the fact that having a home is proof of financial responsibility.

Discounts lower rates, but most of the big mark downs will not be given to the overall cost of the policy. Most cut the cost of specific coverages such as comp or med pay. Despite the fact that it seems like you could get a free insurance policy, insurance companies aren’t that generous. Any amount of discount will bring down your premiums.

The information below visualizes the comparison of Volkswagen Beetle auto insurance costs with and without discounts applied to the policy rates. The data is based on a female driver, no violations or claims, California 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 homeowner, safe-driver, claim-free, multi-policy, multi-car, and marriage discounts applied.

To see insurance companies that offer some of these discounts in Fresno, click here.

Volkswagen Beetle detailed coverage information

The premium information below covers a range of policy rates for Volkswagen Beetle models. Learning more about how car insurance prices are figured is important for you to make smart choices when selecting a policy.

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price information does not factor in garaging location in Fresno which can alter premium rates noticeably.

Auto insurance deductibles

The hardest decision when buying coverage is where should you set your physical damage deductibles. The data tables below may help to illustrate the differences in price of buying low and high comp and collision deductibles. The first set of rates uses a $100 deductible for physical damage and the second rate chart uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in specific zip code location which can modify coverage prices greatly.

We can estimate from the data above that using a $100 deductible costs approximately $45 more each month or $540 each year than selecting the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average more than 20 months between claims, you would come out ahead if you elect the higher deductible.

Auto insurance rates are higher with tickets and accidents

The chart below highlights how traffic violations and at-fault claims drive up Volkswagen Beetle car insurance costs for different categories of driver ages. The rates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Cost of full coverage

The example below compares Volkswagen Beetle car insurance rates with liability coverage only compared to full coverage. Data assumes no tickets, no at-fault accidents, $1,000 deductibles, single status, and no discounts are taken into consideration.

When to switch to liability coverage only

There is no set guideline of when to drop full coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Volkswagen Beetle replacement cost is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $6,000 after paying the physical damage deductible. If it’s costing you more than $600 a year for physical damage coverage, then you may want to consider only buying liability coverage.

There are some situations where only buying liability is not a good plan. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.

When to contact an insurance agency

Many drivers just want to visit with an insurance agent and doing so can bring peace of mind Insurance agents are highly skilled in risk management and help you file claims. The best thing about price shopping on the web is the fact that you can find better rates and still choose a local agent. And buying from local insurance agents is especially important in Fresno.

Once you complete this simple form, your coverage information is sent to agents in your area who will give you bids for your business. It simplifies rate comparisons since you won’t have to contact an agency as quotes are delivered to you directly. If you want to compare rates from a specific company, don’t hesitate to search and find their rate quote page to submit a rate quote request.

Exclusive agents vs. Independent agents

If you want to use a good insurance agency, it can be helpful to understand the different types of agencies to choose from. Insurance agents in Fresno may be either independent (non-exclusive) or exclusive. Both sell affordable insurance policies, but it’s good to learn why they differ because it can influence your selection of an agent.

Independent Insurance Agents

Agents that choose to be independent do not sell for just one brand so they have the ability to put coverage amongst many companies and find the cheapest insurance rates. If they quote lower rates, your policy is moved internally and that require little work on your part.

When comparing insurance rates, you will definitely want to include several independent agencies to have the most options to choose from.

Below is a partial list of independent agencies in Fresno who may be able to give you competitive price quotes.

View more Fresno agents

Exclusive Insurance Agents

Agents that choose to be exclusive can only quote rates from one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. They generally cannot provide prices from multiple companies so they have to upsell other benefits. Exclusive agencies are usually well trained on their company’s products and that allows them to sell at a higher price point.

Shown below are exclusive insurance agencies in Fresno willing to provide rate quotes.

View more Fresno agents

Choosing the best car insurance agent shouldn’t rely on just the bottom line cost. These are some valid questions you should ask.

• How often do they review coverages?
• Do they make recommendations based only on price?
• Is the agency involved in supporting local community causes?
• Will the agent help in case of a claim?
• Where would your vehicle be repaired?

Fresno Insurance Prices are Influenced by These Factors

Lots of factors are part of the calculation when quoting car insurance. Some of the criteria are obvious such as traffic violations, although others are more obscure such as your credit history or your vehicle rating.

Listed below are a partial list of the pieces utilized by car insurance companies to help set prices.

• Expect high rates for teens – Older insureds are viewed as being more responsible, statistically cause fewer accidents, and tend to be get fewer driving tickets. Teenage drivers are proven to get distracted easily with other occupants in the car therefore car insurance rates are much higher.

  The following chart assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.

• Can a thief steal your car? – Buying a car with an alarm system can help lower your rates. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent vehicle theft.

• Females pay lower costs – Over the last 30 years, statistics show that females take fewer risks when driving. Now that doesn’t mean females are better at driving than males. Women and men get in accidents in similar numbers, but the men have costlier accidents. Men also receive more major tickets like DUI and reckless driving.

  The diagram below shows the difference between Volkswagen Beetle auto insurance costs for male and female drivers. The rate quotes are based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are taken into consideration.

• Continuous car insurance coverage lowers premiums – Driving with no insurance can get you a ticket and car insurance companies will penalize you for letting your insurance expire. Not only will you pay higher rates, not being able to provide proof of insurance could earn you fines and jail time.
• Extra coverages that aren’t used – Insurance companies have many extra add-on coverages that may not really be needed if you aren’t diligent. Coverages for personal injury protection, towing, and membership fees may be wasting your money. These coverages may sound good when buying your policy, but if you have no use for them eliminate the coverages to reduce your premium.
• Urban residents pay more – Being located in a rural area is a positive aspect when it comes to car insurance. Lower population means reduced accidents as well as less vandalism and auto theft. Residents of big cities tend to have more aggressive driving styles and longer commutes to work. Longer commute distances means higher likelihood of an accident.
• Married drivers pay lower prices – Having a significant other can get you a discount compared to being single. Having a spouse demonstrates that you tend to be more mature and statistics prove drivers who are married are more cautious.

• Insurance losses for a Volkswagen Beetle – Car insurance companies analyze the history of losses to help calculate a profitable premium rate. Models that are shown to have higher claim frequency or loss amount will have a higher premium rate. The information below illustrates the historical insurance loss data for Volkswagen Beetle vehicles.

  For each policy coverage type, the loss probability for all vehicles compiled together is set at 100. Values under 100 suggest a better than average loss history, while numbers above 100 point to more losses or tendency to have higher losses.

  
  

  Volkswagen Beetle Insurance Loss Statistics

  Make and 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

  BETTER

  AVERAGE

  WORSE

  Statistics from IIHS.org for 2013-2015 Model Years

Why you need Volkswagen vehicle insurance in California

Despite the fact that insurance is not cheap in Fresno, paying for insurance may be required for several reasons.

First, the majority of states have minimum liability requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your Volkswagen Beetle has a lienholder, almost every bank will force you to buy insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Volkswagen for a lot more money and force you to reimburse them much more than you were paying before.

Third, insurance preserves your car and your assets. Insurance will also pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if anyone sues you for causing an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance definitely exceed the price paid, especially if you ever need it. According to a 2015 survey, the average American driver is overpaying more than $825 a year so it’s important to compare rates each time the policy renews to help ensure money is not being wasted.

How to find a good Fresno auto insurance company

Finding a highly-rated auto insurance company can be challenging considering how many different companies there are to choose from in Fresno. The information displayed below can help you choose which insurers you want to consider when looking for cheaper rates.

Affordable car insurance rates are possible

Discount Volkswagen Beetle insurance in Fresno can be bought on the web and from local agencies, so you need to quote Fresno car insurance with both so you have a total pricing picture. Some companies may not have internet price quotes and most of the time these small insurance companies sell through local independent agents.

While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. Too many times, someone sacrificed comprehensive coverage or liability limits to discover at claim time they didn’t have enough coverage. Your goal should be to find the BEST coverage at the lowest possible cost while still protecting your assets.

Steps to buying low-cost Volkswagen Beetle insurance in Fresno

It takes a few minutes, but the best way to get discount auto insurance rates is to start comparing rates regularly from different companies who provide auto insurance in Fresno.

Step 1: Read and learn about auto insurance and the factors you can control to lower rates. Many factors that result in higher rates like at-fault accidents and an unacceptable credit rating can be amended by making minor driving habit or lifestyle changes.

Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agencies can give you price quotes from multiple companies. Compare rates now

Step 3: Compare the quotes to the price on your current policy to see if a cheaper rate is available in Fresno. If you find better rates, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Notify your agent or company to cancel your current policy and submit a completed application and payment for the new coverage. When you receive it, keep your new proof of insurance certificate somewhere easily accessible.

One important bit of advice is to make sure you’re comparing similar coverage information on each quote and and to get rates from every company you can. This enables a fair price comparison and a complete rate analysis.

Even more information is available by following these links:

• Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
• Who Has the Cheapest Auto Insurance for Real Estate Agents in Fresno? (FAQ)
• What Car Insurance is Cheapest for High Risk Drivers in Fresno? (FAQ)
• How Much are Car Insurance Quotes for Low Mileage Drivers in Fresno? (FAQ)
• How Much are Fresno Car Insurance Rates for a Kia Optima? (FAQ)
• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
• New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)