If you want to find the absolute lowest rates, then the best way to find affordable quotes for Volkswagen Beetle insurance is to regularly compare prices from different companies in San Francisco. You can compare rates by following these guidelines.
Step 1: Get an understanding of the different coverages in a policy and the measures you can take to keep rates low. Many policy risk factors that increase rates like inattentive driving and an unacceptable credit history can be improved by making small lifestyle or driving habit changes. Later in this article we will cover information to get lower rates and find available discounts that you may qualify for.
Step 2: Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Allstate, while agents who are independent can quote prices for many different companies. Click to view companies
Step 3: Compare the new rate quotes to the price on your current policy to see if a cheaper rate is available. If you find better rates and make a switch, make sure coverage does not lapse between policies.
Step 4: Provide notification to your current agent or company of your intent to cancel your current policy and submit a completed application and payment to the new company. Once the paperwork is finalized, keep your new proof of insurance certificate in an accessible location in your vehicle.
One piece of advice is to compare the same liability limits and deductibles on each quote and and to get prices from as many carriers as you can. This provides a fair price comparison and the most accurate and complete price analysis.
A recent survey discovered that nearly 70% of drivers have stayed with the same insurance company for at least the last four years, and just under half have never compared rate quotes at all. With the average auto insurance premium being $1,390, San Francisco drivers can save hundreds of dollars each year by just shopping around, but they don’t want to take the time to find cheap rates by getting comparison quotes.
If you have a current auto insurance policy or are looking for a new policy, you can use these tips to buy cheaper auto insurance while maximizing coverage. Buying affordable policy in San Francisco can be fairly easy. Consumers just have to use how to get comparison quotes online.
Compare San Francisco Volkswagen Beetle insurance quotes online
Many insurance companies such as Progressive, Allstate and GEICO make it easy to get prices direct online. Getting quotes for Volkswagen Beetle insurance in San Francisco doesn’t take a lot of time as all you need to do is type in the amount of coverage you want into a form. After you complete the form, their rating system gets reports for credit and driving violations and returns pricing information based on these factors.
Being able to quote online for Volkswagen Beetle insurance in San Francisco makes it easy to compare insurance prices and it’s absolutely necessary to perform this step if you are searching for cheap rates.
To save time and find out if lower rates are available, compare quotes from the companies shown below. If you have your current policy handy, we recommend you copy the coverages identical to your current policy. This guarantees you’re receiving an apples-to-apples comparison using the same coverage and limits.
The following companies are our best choices to provide quotes in San Francisco, CA. If multiple providers are shown, we recommend you visit as many as you can to find the lowest auto insurance rates.
Why do I need car insurance?
Even though San Francisco Beetle insurance rates can get expensive, buying car insurance is required for several reasons.
- Almost all states have minimum mandated liability insurance limits which means you are required to buy specific limits of liability insurance if you don’t want to risk a ticket. 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.
- If your Volkswagen Beetle has a loan, most lenders will make it a condition of the loan that you buy insurance to guarantee payment of the loan. If you default on your policy, the lender may have to buy a policy to insure your Volkswagen at an extremely high rate and force you to pay a much higher amount than you were paying before.
- Car insurance preserves not only your vehicle but also your assets. Insurance will also pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense if you are sued as the result of an accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.
The benefits of having car insurance are definitely more than the cost, particularly when you have a large claim. According to a recent study, the average American driver overpays more than $820 a year so it’s very important to do a rate comparison at every renewal to save money.
Insurance coverage details
The price information shown next covers a range of policy rates for Volkswagen Beetle models. Having a better idea how insurance policy rates are figured can be valuable when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $340 | $576 | $492 | $30 | $148 | $1,586 | $132 |
| Beetle 2-Dr Convertible | $440 | $678 | $382 | $22 | $114 | $1,636 | $136 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rates do not factor in specific location information which can affect coverage rates greatly.
Deductible analysis
One of the most common auto insurance questions is where should you set your physical damage deductibles. The rates below determine the rate fluctuation when you buy lower versus higher insurance deductibles. The first table uses a $250 physical damage deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $298 | $576 | $376 | $22 | $112 | $1,409 | $117 |
| Beetle 2-Dr Convertible | $386 | $678 | $292 | $18 | $88 | $1,487 | $124 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $184 | $362 | $376 | $22 | $112 | $1,056 | $88 |
| Beetle 2-Dr Convertible | $238 | $426 | $292 | $18 | $88 | $1,062 | $89 |
| Get Your Own Custom Quote Go | |||||||
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, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in specific zip code location which can modify insurance rates substantially.
We can derive from the above data that using a $250 deductible will cost you approximately $32 more each month or $384 annually averaged for all Beetle models than choosing the higher $1,000 deductible. Since you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 23 months between claim filings, you would probably save some money if you choose the higher deductible.
Responsible drivers pay cheaper San Francisco auto insurance rates
The diagram below highlights how traffic violations and at-fault accidents can impact Volkswagen Beetle yearly 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.
Comparison of auto insurance rates by gender
The diagram below illustrates the difference between Volkswagen Beetle auto insurance costs for male and female drivers. The premiums assume no claims or violations, comp and collision included, $250 deductibles, marital status is single, and no policy discounts are applied.
Auto insurance policy discounts you can’t miss
Companies don’t always advertise their entire list of discounts in a way that’s easy to find, so the list below details some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy San Francisco auto insurance online. If you are not receiving all the discounts you qualify for, you could be paying more than you need to.
- Full Payment Discount – If paying your policy premium upfront rather than spreading payments over time you could save up to 5%.
- Student in College – Any of your kids who live away from home to go to college and don’t have a car can be insured at a reduced rate.
- Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency so companies will give you a small discount.
- Early Signing – Select companies give a discount for switching companies before your current expiration date. You can save around 10% with this discount.
- Employee of Federal Government – Being employed by or retired from a federal job may qualify for a discount when you quote San Francisco auto insurance with select insurance companies.
- First Accident Forgiveness – Not necessarily a discount, but companies like Liberty Mutual, Allstate and State Farm allow you one accident without the usual rate increase with the catch being you have to be claim-free for a set time period.
- Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts could see savings of up to 25% or more.
- Smart Student Discounts – This discount can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.
- Senior Citizen Discount – Older drivers could receive better auto insurance rates.
- Multiple Cars – Having multiple cars or trucks on the same auto insurance policy can reduce rates for all insured vehicles.
A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most cut individual premiums such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, it’s just not the way it works.
The chart below illustrates the difference between Volkswagen Beetle yearly insurance costs with and without discounts applied to the policy premium. The data is based on a male driver, no claims or driving citations, 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 claim-free, multi-car, safe-driver, multi-policy, homeowner, and marriage discounts applied.
If you would like to see a list of providers who offer online Volkswagen Beetle insurance quotes in San Francisco, click here to view.
When to get advice from an agent
Some consumers just prefer to get professional advice from a licensed agent and that is just fine! Professional insurance agents can answer important questions and help in the event of a claim. One of the benefits of getting online price quotes is the fact that drivers can get lower prices but also keep your business local. And supporting local insurance agencies is especially important in San Francisco.
For easy comparison, once you complete this form (opens in new window), the coverage information gets sent to local insurance agents who can give free rate quotes for your coverage. You never need to contact any insurance agencies since rate quotes are delivered directly to you. If you wish to compare rates from a particular provider, you would need to visit that company’s website and complete a quote there.
If you are wanting to find local San Francisco agents, it can be helpful to understand the different types of agencies that you can select. San Francisco agents are considered either exclusive or independent (non-exclusive). Both can insure your vehicles, but it’s worth mentioning the difference in how they write coverage because it can factor into your agent selection.
Independent Insurance Agencies
Agents that choose to be independent are not limited to a single company so they can insure your vehicles with lots of companies depending on which coverage is best. If you are not satisfied with one company, your agent can switch companies which is easy for the insured.
When comparing rates, we recommend you get rate quotes from a few independent agents to have the most options to choose from. Most also write with lesser-known insurance companies which may provide better rates.
Featured below is a small list of independent agencies in San Francisco that can possibly get you price quotes.
- Scarborough Insurance Agency
329 Bryant St – San Francisco, CA 94107 – (415) 371-1398 – View Map - Jessica Liu Insurance Services
3428 Balboa St – San Francisco, CA 94121 – (415) 386-2283 – View Map - April Insurance Agency
1788 19th Ave – San Francisco, CA 94122 – (415) 242-8100 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive normally can only provide a single company’s rates like State Farm, AAA, Farmers Insurance or Allstate. They generally cannot provide other company’s prices so they really need to provide good service. These agents are usually well trained on what they offer which helps overcome the inability to quote other rates. Many people buy from the same agent for years primarily because of the prominent brand name rather than low rates.
Below are exclusive insurance agents in San Francisco that can give you price quote information.
- Dave and Jake Stewart State Farm Insurance
821 Folsom St #101 – San Francisco, CA 94107 – (415) 982-9033 – View Map - Angela Chan – State Farm Insurance Agent
756 Sacramento St – San Francisco, CA 94108 – (415) 956-4888 – View Map - Angela Ng – State Farm Insurance Agent
377 W Portal Ave – San Francisco, CA 94127 – (415) 731-7400 – View Map
Choosing an auto insurance agent requires you to look at more than just a cheap price. These questions are important to ask:
- Can you get a list of referrals?
- What is the financial rating for the quoted company?
- Will they take your side in the event of a claim?
- What company holds the largest book of business for them?
- Are claim adjusters local or do you have to take your car somewhere else?
- Is their price quote a firm figure or are their hidden costs?
- Can glass claims be handled at your home?
- How much training do they have in personal risk management?
Do I just need basic coverages?
When buying the best insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.
Here are some questions about coverages that can help discover if you would benefit from professional advice.
- Who does medical payments coverage extend to?
- How can I force my company to pay a claim?
- Which companies will insure me after a DUI?
- Do I have coverage if I rent a car in Mexico?
- Is my vehicle covered by my employer’s policy when using it for work?
- Does my car insurance cover rental cars?
- How do I buy GAP insurance?
- Is there coverage for injuries to my pets?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.
Find affordable insurance prices by comparing often
Low-cost Volkswagen Beetle insurance in San Francisco is possible on the web and also from your neighborhood San Francisco agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers do not provide rates over the internet and these small, regional companies only sell through independent insurance agents.
We just showed you many ideas to compare Volkswagen Beetle insurance rates in San Francisco. The key thing to remember is the more you quote San Francisco auto insurance, the better your comparison will be. Consumers could even find that the best price on insurance is with a lesser-known regional company.
Drivers switch companies for many reasons like extreme rates for teen drivers, lack of trust in their agent, an unsatisfactory settlement offer or unfair underwriting practices. Whatever your reason, choosing a new company is not as hard as you think.
Additional information is located at the links below
- Should I Buy a New or Used Car? (Allstate)
- What Auto Insurance is Cheapest for a Chevrolet Equinox in San Francisco? (FAQ)
- Who Has Cheap San Francisco Auto Insurance for Hybrid Vehicles? (FAQ)
- Who Has the Cheapest San Francisco Auto Insurance for a Company Car? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)