Affordable Quotes for Volkswagen Beetle Insurance in Boston

The recommended way to quote cheaper Volkswagen Beetle insurance in Boston is to start comparing rates regularly from different companies who can sell car insurance in Massachusetts.

Step 1: Try to learn about what coverages are included in your policy and the things you can control to keep rates in check. Many factors that are responsible for high rates like distracted driving and a substandard credit history can be rectified by making minor changes in your lifestyle. Keep reading for the details to find cheap prices and earn larger discounts.

Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like Progressive or State Farm, while agents who are independent can provide rate quotes for a wide range of companies.

Step 3: Compare the new rates to your existing policy to determine if switching companies saves money. If you find a better price, make sure coverage does not lapse between policies.

Step 4: Notify your current company to cancel your current policy and submit the completed application along with a down payment for the new policy. Once the application is submitted, safely store the certificate verifying coverage in an easily accessible location in your vehicle.

One key aspect of rate comparisons is to make sure you’re comparing similar limits and deductibles on each quote request and and to get prices from every insurance company. This provides the most accurate price comparison and plenty of rates choose from.

Unbelievable but true according to a study about 70% of customers have purchased from the same company for over three years, and approximately 38% of consumers have never compared rates with other companies. Most drivers in Massachusetts could pocket nearly $590 a year, but they don’t know how much money they would save if they switched to a more affordable policy.

All the larger auto insurance companies provide prices for coverage directly from their websites. The process is pretty painless as all you need to do is type in your coverage information into a form. Behind the scenes, the quote system will order credit information and your driving record and quotes a price.

Getting online rates for Volkswagen Beetle insurance in Boston makes it a lot easier to compare rates and it’s necessary to do this in order to find the most affordable premium on auto insurance.

To save time and use this form to compare rates, compare rates from the companies below. If you have coverage now, it’s recommended you type in the limits and deductibles identical to your current policy. Doing this guarantees you will receive an apples-to-apples comparison for the exact same coverage.

The providers in the list below are our best choices to provide free rate quotes in Massachusetts. If multiple companies are listed, it’s a good idea that you visit two to three different companies in order to find the cheapest rates.

Analysis of Volkswagen Beetle rates

The table displayed next covers estimates of prices for Volkswagen Beetle models. Being more informed about how rates are formulated can benefit drivers when making decisions on the best policy to buy.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rates do not factor in zip code location which can impact auto insurance rates considerably.

Should you raise deductibles?

One of the most common auto insurance questions is how high or low should comp and collision deductibles be. The figures shown below may aid in understanding the rate differences when you buy lower versus higher coverage deductibles. The first rate quote example uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Information does not factor in vehicle garaging location which can decrease or increase rates considerably.

We can estimate from the data above that using a $250 deductible costs about $25 more each month or $300 for a full year than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 30 months between claims, you would probably save some money if you elect the higher deductible.

An important thing to remember is that higher deductibles means you will have to pay more out-of-pocket at claim time. You should have enough extra savings in the event you have to pay the deductible to have repairs made.

Choosing the best Beetle insurance in Massachusetts is an important decision

Despite the high cost of buying insurance for a Volkswagen Beetle in Boston, insurance is required by state law in Massachusetts and it also provides benefits you may not be aware of.

• Most states have mandatory insurance requirements which means you are required to buy a minimum amount of liability insurance coverage in order to get the vehicle licensed. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your Volkswagen Beetle has a loan, more than likely the lender will make it mandatory that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank will be required to insure your Volkswagen at a much higher premium rate and force you to reimburse them a much higher amount than you were paying before.
• Auto insurance preserves not only your car but also your financial assets. It also can pay for medical bills incurred in an accident. One policy coverage, liability insurance, will also pay to defend you if someone files suit against you as the result of an accident. If your Volkswagen gets damaged, comprehensive and/or collision insurance will cover the repair costs.

The benefits of carrying enough insurance are without a doubt worth the cost, specifically if you ever have a liability claim. According to a survey of 1,000 drivers, the average driver is overpaying over $869 every year so shop around at every policy renewal to ensure rates are inline.

Why Your Insurance Rates might be higher

Smart consumers have a good feel for the different types of things that help determine your auto insurance rates. If you understand what determines premiums, this empowers consumers to make smart changes that may reward you with big savings. Many things are part of the equation when you get a price on insurance. Some of the criteria are obvious like an MVR report, but other criteria are less apparent like your vehicle usage or your vehicle rating.

Your occupation may affect rates – Did you know your occupation can influence how much you pay for auto insurance? Careers like judges, business owners, and medical professionals usually pay higher premium rates attributed to high stress and lots of time spent away from family. On the flip side, jobs such as actors, athletes and homemakers receive lower rates.

Policy claims cost money – If you file claims often, you can look forward to either higher rates or even cancellation. Companies in Massachusetts award discounts to drivers who do not file claims often. Your car insurance is designed for the large, substantial claims.

Performance affects insurance rates – The performance level of the car or truck you are trying to find cheaper insurance for makes a huge difference in your car insurance bill. The lowest premiums are for lower performance four cylinder passenger models, but many other things help determine your insurance rates.

The following chart uses these assumptions: married female driver age 30, full coverage with $500 deductibles, and no discounts or violations. It shows Volkswagen Beetle rates compared to other models of vehicles that have different performances.

Drive less and save – Driving a lot of miles every year the more you’ll pay to insure it. Almost all companies price each vehicle’s coverage based upon how much you drive. Cars that have low annual miles cost less to insure than cars that get driven a lot. An improperly rated Beetle is throwing money out the window. Ask your agent if your policy shows the correct driver usage, because improper ratings can cost you money.

Rates increase with driving citations – Drivers with clean records tend to pay less for car insurance as compared to careless drivers. Having a single driving citation can increase the cost of insurance by as much as thirty percent. Drivers unfortunate enough to have careless citations like reckless driving, hit and run or driving under the influence may find that they have to to prove financial responsibility with their state in order to prevent their license from being revoked.

The information below illustrates how speeding tickets and accidents can raise Volkswagen Beetle premium costs for different insured age categories. The premiums assume a married female driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

Claims statistics for a Volkswagen Beetle – Insurers use data from past claims to calculate a price that will offset any claims. Models that are shown to have increased losses will have a higher cost to insure.

The information below illustrates the insurance loss data for Volkswagen Beetle vehicles. For each coverage category, the claim probability for all vehicles, as a total average, is equal to 100. Values below 100 imply a favorable loss record, while numbers that are greater than 100 point to more frequent losses or an increased probability of a larger loss.

Get affordable Volkswagen Beetle insurance in Boston with discounts

Some insurers don’t necessarily list every discount they offer very well, so we researched a few of the more well known in addition to some of the lesser obvious credits that you can use to lower your rates. If you’re not getting every credit you deserve, you may be paying too high a price.

• Discounts for Government Workers – Having worked for a branch of the government can save as much as 8% with select insurance companies.
• Membership in Organizations – Participating in a professional or civic organization could trigger savings when getting a Boston car insurance quote.
• Low Mileage – Low mileage vehicles could qualify for lower premium rates due to less chance of an accident.
• Theft Deterrent System – Vehicles equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will save you 10% or more on Beetle insurance in Boston.
• Paperwork-free – A few insurance companies will give you a small discount just for signing your application on the web.
• Telematics Discount – Insureds who allow driving data submission to track their driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm might see lower rates as long as the data is positive.
• Air Bag Discount – Factory air bags or motorized seat belts can receive discounts of 20% or more.
• Policy Bundle Discount – If you have multiple policies and place coverage with the same company you could get a discount of 10% to 20% off each policy.
• Senior Discount – Older drivers are able to get a slight reduction on a Boston car insurance quote.
• Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course as it can save substantially.

As a sidenote, many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, it just doesn’t work that way. But all discounts should definitely cut your premiums.

The chart below visualizes the comparison of Volkswagen Beetle insurance premiums with and without discounts applied to the rates. The premiums assume a male driver, no driving violations, no at-fault accidents, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, homeowner, claim-free, and multi-car discounts applied.

A few of the larger companies and some of the premium reductions they offer can be read below.

• The Hartford policyholders can earn discounts including driver training, defensive driver, good student, bundle, vehicle fuel type, and air bag.
• American Family has discounts for air bags, defensive driver, mySafetyValet, accident-free, TimeAway discount, and Steer into Savings.
• Progressive discounts include online quote discount, online signing, continuous coverage, multi-policy, homeowner, multi-vehicle, and good student.
• Travelers includes discounts for early quote, good student, save driver, continuous insurance, and new car.
• Farmers Insurance may offer discounts for homeowner, pay in full, electronic funds transfer, mature driver, early shopping, business and professional, and distant student.
• USAA offers discounts including new vehicle, driver training, defensive driver, multi-vehicle, vehicle storage, safe driver, and loyalty savings.
• Liberty Mutual offers discounts for newly retired, new move discount, exclusive group savings, multi-policy, newly married, new vehicle discount, and new graduate.

Before purchasing a policy, check with each company how you can save money. Discounts may not apply in every state.

Which policy gives me the best coverage?

When it comes to buying proper insurance coverage, there isn’t really a best way to insure your cars. Each situation is unique.

For example, these questions may help you determine if your situation might need professional guidance.

• Where can I find high-risk insurance?
• Do I really need UM/UIM coverage?
• What is UM/UIM insurance?
• Am I covered when driving a rental car?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Is my state a no-fault state?
• Do I have coverage when using my vehicle for my home business?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

Car insurance agents can help

Certain consumers would prefer to buy from a licensed agent and doing so can bring peace of mind One of the benefits of comparing insurance prices online is that drivers can save money and get the lowest rates and also buy local. And buying from neighborhood insurance agencies is especially important in Boston.

For easy comparison, once you complete this form (opens in new window), your coverage information is emailed to insurance agents in Boston who will give you quotes and help you find cheaper coverage. You won’t even need to contact any agents because quoted prices will be sent directly to you. You can find better rates without requiring a lot of work. In the event you want to compare prices from one company in particular, just visit that company’s website and fill out their quote form.

If you’re trying to find a reputable insurance agent or broker, you must know there are a couple different agency structures and how they can service your needs differently. Auto insurance policy providers are classified as either independent agents or exclusive agents depending on their employer.

Independent Auto Insurance Agencies

Independent insurance agents are not limited to a single company so as a result can place your coverage with a variety of different insurance companies and find the cheapest rate. If you want to switch companies, the business is moved internally and you don’t have to switch agencies. When comparing auto insurance prices, we recommend you check rates from multiple independent agents to have the most options to choose from. Many write coverage with mutual insurance companies who may have lower rates.

Below is a small list of independent insurance agents in Boston who may provide free auto insurance quotes.

• Richard Soohoo Insurance
  1148 Washington St – Boston, MA 02118 – (617) 338-8168 – View Map
• Alan J Ross Insurance Agency Inc
  225 Franklin St – Boston, MA 02110 – (617) 449-9413 – View Map
• Merrimack Valley Insurance Agency Inc
  655 Boston Rd #1a – Billerica, MA 01821 – (978) 330-6985 – View Map

More insurance agents

Exclusive Auto Insurance Agents

Exclusive agencies have only one company to place business with and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to compare other company’s rates so it’s a take it or leave it situation. Exclusive agents are usually well trained on what they offer which helps them sell insurance even at higher premiums. Drivers often buy from the same agent for years primarily because of the brand name instead of buying on price only.

Below is a short list of exclusive agencies in Boston that can give you price quotes.

• AAA Boston
  125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
• Allstate Insurance: Abner Joseph
  571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map

More insurance agents

Deciding on an insurance agent requires more thought than just the bottom line cost. These are some questions your agent should answer.

• Are they paid to recommend certain coverages?
• Are aftermarket or OEM parts used to repair vehicles?
• Do they assist clients in filing claims?
• Can glass claims be handled at your home?
• Who are their largest clients?
• Has the agent ever had any license suspensions?
• Is auto insurance their primary focus in Boston?

The best insurance company isn’t always the cheapest

People leave their current company for a number of reasons such as delays in responding to claim requests, policy cancellation, delays in paying claims or questionable increases in premium. No matter why you want to switch, finding the right auto insurance provider is less work than it seems.

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. Too many times, an accident victim reduced full coverage only to find out they didn’t purchase enough coverage. The goal is to buy the best coverage you can find at the best price while still protecting your assets.

More affordable auto insurance in Boston is available from both online companies as well as from insurance agents, so you need to shop Boston car insurance with both so you have a total pricing picture. There are still a few companies who do not offer internet price quotes and these small insurance companies work with local independent agencies.

More tips and info about auto insurance is available in the articles below:

• Uninsured Motorist Statistics (Insurance Information Institute)
• Who Has Cheap Boston Car Insurance Rates for Retired Military? (FAQ)
• Who Has the Cheapest Auto Insurance for Hybrid Vehicles in Boston? (FAQ)
• Insurance losses by make and model (Insurance Institute for Highway Safety)
• Vehicle Insurance (Wikipedia)
• Choosing a Car for Your Teen (State Farm)