Save Money on Volkswagen Beetle Insurance in Baltimore

We don’t have to tell you that auto insurance companies don’t want you to look at other companies. People who shop around for cheaper prices are inclined to move their business because there is a significant possibility of finding more affordable rates. A survey found that drivers who compared prices once a year saved as much as $860 a year compared to those who never compared other company’s rates.

If finding the cheapest price for insurance is your objective, then learning about how to compare insurance rates can make it easier to shop your coverage around.

It takes a little time, but the best way to find better pricing on car insurance rates is to annually compare prices from insurance carriers in Baltimore. You can compare prices by completing these steps.

1. Try to comprehend the coverage provided by your policy and the measures you can control to prevent high rates. Many policy risk factors that drive up the price such as speeding and a low credit rating can be controlled by making small lifestyle or driving habit changes.
2. Quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from a single company like GEICO and State Farm, while agents who are independent can give you price quotes for a wide range of companies. View a list of agents
3. Compare the quotes to the premium of your current policy and determine if there is any savings. If you find a lower rate quote, make sure coverage is continuous and does not lapse.
4. Notify your current company to cancel your current policy and submit a down payment along with a signed application to your new insurance company. Once the paperwork is finalized, safely store the certificate of insurance in your vehicle.

A crucial key to this process is to use identical deductibles and limits on each quote request and and to analyze as many car insurance companies as possible. This guarantees an accurate price comparison and a complete price analysis.

Best companies for cheap Volkswagen Beetle insurance in Maryland

The providers in the list below are ready to provide price comparisons in Baltimore, MD. If multiple companies are listed, it’s highly recommended you visit two to three different companies in order to find the most competitive rates.

Detailed insurance information

The coverage information displayed below highlights detailed analysis of insurance rates for Volkswagen Beetle models. Having insight into how policy rates are determined can help drivers make smart choices when buying a car insurance policy.

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Information does not factor in specific location information which can increase or decrease price quotes substantially.

Analysis of deductible levels

When buying insurance, a common question is which comprehensive and collision deductibles to buy. The rates shown below can help show how much more you’ll pay between low and high insurance deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Table data does not factor in vehicle location which can affect premium rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs approximately $16 more each month or $192 a year than opting for the higher $500 deductible. Since you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go at least 16 months between claims, you would come out ahead if you elect the higher deductible. The table below shows the way you can do this calculation yourself.

One thing to be aware of is that raising deductibles means you will have to pay more out-of-pocket when you file a claim. That will require some extra savings in the event you need to pay more for the deductible.

The example below shows how choosing a deductible and can change Volkswagen Beetle premium costs for different ages of insureds. The rate quotes are based on a married male driver, full coverage, and no discounts are applied to the premium.

Affordable rates by taking advantage of discounts

Insurance is easily one of your largest bills, but you might already qualify for some discounts that can dramatically reduce your bill. Some discounts will apply at the time of purchase, but occasionally some discounts must be requested specifically prior to getting the savings. If they aren’t giving you every credit you qualify for, you are just wasting money.

• Bundle and Save – If you have multiple policies with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
• Employee of Federal Government – Active or retired federal employment could provide a small rate reduction with some insurance companies.
• Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems help deter theft and earn discounts up to 10% off your Baltimore auto insurance quote.
• Organization Discounts – Being in a civic or occupational organization in Baltimore could qualify you for a break on your policy.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 15% off PIP or medical payments premium.
• Driver Education Discount – It’s a good idea to have your young drivers participate in a local driver’s education class in high school.
• Defensive Driver Discount – Taking part in a class that teaches defensive driver techniques could earn you a small percentage discount and easily recoup the cost of the course.
• Military Rewards – Having an actively deployed family member could qualify you for better prices.
• E-sign – Many larger companies give back up to $50 simply for signing online.
• Homeowners Savings – Just owning your own home may trigger a policy discount on insurance because maintaining a house demonstrates responsibility.

Don’t be surprised that most credits do not apply to the overall cost of the policy. Most cut specific coverage prices like liability, collision or medical payments. Just because you may think you could get a free insurance policy, companies wouldn’t make money that way.

The information below shows the comparison of Volkswagen Beetle insurance prices with and without discounts applied. The information is based on a male driver, a clean driving record, no at-fault accidents, Maryland 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, multi-car, homeowner, and marriage discounts applied.

Large insurance companies and their possible discounts can be read below.

• 21st Century policyholders can earn discounts including homeowners, anti-lock brakes, theft prevention, good student, early bird, and defensive driver.
• State Farm offers premium reductions for Drive Safe & Save, multiple policy, anti-theft, student away at school, safe vehicle, multiple autos, and accident-free.
• AAA offers discounts for multi-policy, pay-in-full, good driver, AAA membership discount, education and occupation, and multi-car.
• Liberty Mutual has savings for good student, new move discount, preferred payment discount, teen driver discount, and multi-policy.
• Progressive may include discounts for online signing, online quote discount, multi-vehicle, good student, and homeowner.

Before you buy a policy, ask each insurance company what discounts are available to you. Discounts might not be offered on policies in every state. To locate insurers with discount insurance rates in Maryland, click here.

Quote Volkswagen Beetle Insurance More Affordably

Lots of factors are used when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, but others are less obvious like your continuous coverage or your commute time. It’s important that you understand the rating factors that help determine the level of your policy premiums. If you know what determines base rates, this enables you to make decisions that can help you get lower premium levels.

• Cheaper rates by combining – Most insurers will give a discount to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, consumers should still check prices from other companies to help guarantee you have the best rates.
• Better credit means lower rates – Your credit score can be an important factor in determining what you pay. People with very high credit ratings tend to be better drivers and file fewer claims than drivers who have lower credit scores. So if your credit is lower than you’d like, you may save money insuring your Volkswagen Beetle by taking the time to improve your credit score.
• Cheaper insurance rates using GPS tracking and theft deterrents – Selecting a car model with a theft deterrent system can get you a discount on your insurance. Systems that thwart thieves like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your vehicle from being stolen.
• Save annual miles and save money – The higher the miles on your Volkswagen every year the higher your rates will be. Most insurance companies charge rates based on their usage. Autos used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Double check that your insurance declarations sheet properly reflects the correct usage. Incorrect rating for your Beetle can cost quite a bit.

• Volkswagen Beetle insurance loss statistics – Car insurance companies use past insurance losses to determine a price that will be profitable for them. Models that the statistics show to have higher number or severity of losses will have higher rates for specific coverages.

  The table below illustrates the insurance loss data used by companies for Volkswagen Beetle vehicles. For each type of coverage, the loss probability for all vehicles, regardless of make, model or trim level, is represented as 100. Numbers that are below 100 suggest a better than average loss history, while values that are above 100 point to more claims or a tendency for losses to be larger than average.

  
  

  Volkswagen Beetle Insurance Claim Statistics

  Vehicle 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

You are unique and your insurance should be too

When choosing coverage online or from an agent, there is no cookie cutter policy. Every situation is different.

For instance, these questions could help you determine whether or not you might need an agent’s assistance.

• What is the premium to book value ratio for dropping full coverage?
• What is an SR-22 filing?
• I have health insurance so do I need medical payments coverage?
• Am I covered if I hit my neighbor’s mailbox?
• Is coverage enough to protect my assets?
• How much cheaper are high deductibles?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form.

Exclusive or independent insurance agents

Some consumers would prefer to talk to a local agent. A nice benefit of getting online price quotes is the fact that you can find cheap auto insurance rates and still buy from a local agent.

After filling out this simple form, the quote information is sent to participating agents in Baltimore that can give you free Baltimore auto insurance quotes for your business. You won’t even need to drive around due to the fact that quote results will go to your email. Get lower rates without the usual hassles of price shopping. If you want to compare prices from one company in particular, you would need to jump over to their website and fill out their quote form.

Deciding on an company needs to be determined by more than just the premium amount. Any agent in Baltimore should be forthright in answering these questions:

• Does the company have a local claim office in Baltimore?
• Is assistance available after office hours?
• Is vehicle damage repaired with OEM or aftermarket parts?
• Are there any discounts for paying up front?
• What are the financial ratings for the companies they represent?

Independent or Exclusive: It’s your choice

If you are wanting to purchase auto insurance from an insurance agent, it can be helpful to understand the types of insurance agents and how they can write your policy. Insurance agencies in Baltimore may be either independent or exclusive depending on the company they work for.

Exclusive Agents

These type of agents have only one company to place business with and examples are Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agencies are unable to shop your coverage around so they have to upsell other benefits. These agents receive a lot of sales training on their company’s products which can be an advantage.

Below are Baltimore exclusive insurance agencies who can help you get comparison quotes.

View more Baltimore agents

Independent Agencies or Brokers

Independent agencies are not locked into one company so they can insure your vehicles amongst many companies and find you cheaper rates. If prices rise, your agent can just switch to a different company and you can keep the same agent. When shopping rates, you will want to check rates from a couple of independent agencies in order to compare the most rates.

The following are Baltimore independent insurance agencies willing to provide comparison quotes.

View more Baltimore agents

After getting satisfactory answers to any questions you may have as well as a affordable price, most likely you have located an insurance agency that is professional and can properly service your auto insurance policy.

Baltimore auto insurance companies

Picking the top insurance provider is hard considering how many different companies there are to choose from in Maryland. The information listed below may help you pick which car insurance companies to look at comparing rates from.

Top 10 Baltimore 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 Baltimore 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

Quote more to save more

Cheaper insurance in Baltimore can be bought online as well as from insurance agents, so you should compare both so you have a total pricing picture. There are still a few companies who don’t offer price quotes online and usually these smaller providers sell through independent insurance agents.

Drivers leave their current company for a variety of reasons including extreme rates for teen drivers, policy non-renewal, denial of a claim and delays in responding to claim requests. Regardless of your reason, finding a new insurance company can be pretty painless.

We just covered a lot of techniques to shop for Volkswagen Beetle insurance online. The most important thing to understand is the more rate quotes you have, the better chance you’ll have of finding affordable Baltimore auto insurance quotes. Consumers may even find the lowest prices come from a company that doesn’t do a lot of advertising.

Additional information is located at the links below

• Comprehensive Coverage (Liberty Mutual)
• Who Has Cheap Auto Insurance Rates for 18 Year Olds in Baltimore? (FAQ)
• Who Has Affordable Baltimore Car Insurance Rates for Business Use? (FAQ)
• Who Has Cheap Baltimore Auto Insurance Quotes for High Risk Drivers? (FAQ)
• Distracted Driving Statistics (Insurance Information Institute)
• Neck Injury FAQ (iihs.org)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)