Do you need a better way to compare lower-priced Volkswagen Beetle insurance in Philadelphia? If shopping for Philadelphia car insurance quotes online is new to you, you can be overwhelmed thanks to the huge assortment of local and online companies that all promise the best rates for Volkswagen Beetle insurance in Philadelphia.
It’s an obvious conclusion that car insurance companies want to keep you from shopping around. Insureds who shop for lower rates will most likely switch to a new company because there is a high probability of finding coverage at a more affordable price. A study discovered that people who compared rates once a year saved an average of $865 annually as compared to drivers who never shopped around for lower prices.
If finding the cheapest price on insurance in Philadelphia is why you’re reading this, then learning about how to shop and compare insurance can help simplify the process.
Comparing rates for affordable protection in Philadelphia can be fairly easy. In a nutshell, every person who shops around for car insurance stands a good chance to be able to save money. Although Pennsylvania consumers must know how insurance companies determine how much to charge because rates are impacted by many factors.
Companies offering Volkswagen Beetle insurance in Philadelphia
The auto insurance companies shown below are our best choices to provide price comparisons in Pennsylvania. If multiple providers are shown, we suggest you visit as many as you can in order to find the lowest rates.
Insurance coverage details
The premium information displayed next highlights a range of insurance prices for Volkswagen Beetle models. Having a good grasp of how insurance prices are established can benefit drivers when making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $202 | $394 | $288 | $18 | $86 | $988 | $82 |
| Beetle 2-Dr Convertible | $262 | $464 | $224 | $14 | $66 | $1,030 | $86 |
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Price information does not factor in specific Philadelphia garaging location which can impact coverage rates significantly.
Physical damage deductibles
One of the more difficult decisions when buying insurance is how high should the deductibles for physical damage be. The following insurance rates can help you visualize the rate differences when you buy lower versus higher physical damage deductibles. The first data set uses a $250 physical damage deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $222 | $428 | $280 | $16 | $84 | $1,055 | $88 |
| Beetle 2-Dr Convertible | $288 | $506 | $218 | $12 | $66 | $1,115 | $93 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $136 | $270 | $280 | $16 | $84 | $786 | $66 |
| Beetle 2-Dr Convertible | $178 | $318 | $218 | $12 | $66 | $792 | $66 |
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Table data does not factor in vehicle location which can affect prices considerably.
Based on the figures above, using a $250 deductible will cost you approximately $25 more each month or $300 each year averaged for all Beetle models than quoting 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 go at least 30 months between claim filings, you would most likely save money if you choose a higher deductible. Here is an example of how you can make this decision for your own policy.
| Average monthly premium for $250 deductibles: | $91 |
| Average monthly premium for $1,000 deductibles (subtract): | – $66 |
| Monthly savings from raising deductible: | $25 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $25 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 30 months |
The illustration below highlights how deductible selection and can affect Volkswagen Beetle premium costs for different age groups of insureds. The premiums assume a married female driver, full coverage, and no discounts are taken into consideration.
Full coverage rates compared to liability-only
The illustration below illustrates the difference between Volkswagen Beetle auto insurance rates with full coverage compared to only the Pennsylvania minimum liability coverage. The data assumes no violations or claims, $100 deductibles, single marital status, and no additional discounts are factored in.
When to drop comprehensive and collision coverage
There is no definitive rule of when to exclude comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Volkswagen Beetle replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $6,000 after the policy deductible has been paid. If you are paying more than $600 a year for full coverage, then it’s probably a good time to buy liability coverage only.
There are some conditions where dropping physical damage coverage is not financially feasible. If you haven’t paid off your loan, you are required to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not remove full coverage.
Get Volkswagen Beetle Insurance for Less
Part of the car insurance buying process is learning a few of the rating criteria that play a part in calculating the price you pay for car insurance. If you know what influences your rates, this enables you to make decisions that may result in big savings.
The items below are some of the things utilized by car insurance companies to help set premiums.
Your vocation can affect rates – Occupational choices like real estate brokers, air traffic controllers, and emergency personnel have higher rates than the rest of us attributed to intense work requirements and incredibly demanding work hours. Conversely, occupations like professors, students and retirees have lower than average premiums.
How credit rating affects car insurance costs – Having a bad credit history can be a huge factor in calculating your premium rate. Drivers who have high credit scores tend to be more responsible and file fewer claims than drivers who have bad credit. If your credit leaves room for improvement, you could pay less to insure your Volkswagen Beetle by improving your credit score.
Performance makes a difference – The performance of the car or truck you need to insure makes a big difference in your rates. The lowest premiums are usually for economy passenger vehicles, but the cost you end up paying is determined by many additional factors.
The following chart is based on a married male driver age 20, full coverage with $500 deductibles, and no discounts or violations. It shows Volkswagen Beetle rates compared to other makes and models that have different performances.
Raise deductibles and save – Comprehensive and collision coverage deductibles define how much you are required to spend before your car insurance pays a claim. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of covered claims are a windshield broken by a bird, vandalism, and damage from wind. The more damage repair cost you choose to pay out-of-pocket, the lower your rates will be.
Marriage reduces risk – Walking down the aisle may earn you lower rates when buying car insurance. Marriage usually means you are more stable financially and it’s proven that married drivers tend to file fewer claims.
Gender and insurance coverage costs – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. Now that doesn’t mean females are better drivers. They both tend to get into auto accidents at about the same rate, but guys get into accidents with more damage. Not only that, but men also get higher numbers of serious violations like DWI (DUI) or reckless driving.
The diagram below illustrates the comparison of Volkswagen Beetle insurance prices for male and female drivers. The premiums are based on a clean driving record, no claims, comprehensive and collision coverage, $250 deductibles, single marital status, and no additional discounts are factored in.
Volkswagen Beetle historical loss data – Insurers use past loss statistics for each vehicle when setting premium rates. Vehicles that the statistics show to have higher loss trends will have higher rates. The next table shows the collected loss data for Volkswagen Beetle vehicles.
For each coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is a value of 100. Percentage values below 100 suggest losses that are better than average, while values over 100 indicate higher probability of having a loss or tendency to have larger claims.
| 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 |
Statistics from IIHS.org for 2013-2015 Model Years
Companies offer lots of discounts on Volkswagen Beetle insurance in Philadelphia
Car insurance is not cheap nor is it fun to buy but you may be missing some discounts to help offset the cost. Larger premium reductions will be automatically applied when you complete an application, but less common discounts must be manually applied before you get the savings.
- Life Insurance – Not all car insurance companies offer life insurance, but some may give you better premium rates if you take out some life insurance too.
- Senior Citizens – Seniors can possibly qualify for reduced rates.
- Discount for Multiple Policies – When you combine your home and auto insurance and insure them with the same company you could get a discount of over 10 percent off each policy depending on the company.
- New Vehicle Savings – Putting coverage on a new Beetle may earn a small discount compared to insuring an older model.
- Defensive Driver Discount – Taking a course that instructs on driving safety may get you a small discount and easily recoup the cost of the course.
- Smart Student Discounts – Maintaining excellent grades can save 20 to 25%. Many companies even apply the discount to college students well after school through age 25.
- Discount for Home Ownership – Just owning your own home can earn you a little savings because maintaining a house is proof that your finances are in order.
It’s important to note that some of the credits will not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like you could get a free car insurance policy, it doesn’t quite work that way. Any qualifying discounts will definitely reduce your policy cost.
The diagram below shows the comparison of Volkswagen Beetle premium costs with and without discounts. The prices are based on a female driver, no claims or violations, Pennsylvania state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, marriage, multi-car, multi-policy, and homeowner discounts applied.
A few companies who might offer many of the previously listed discounts include:
Before buying, ask each company or agent which discounts you qualify for. Some of the earlier mentioned discounts might not be offered on policies in every state. To view car insurance companies that can offer you the previously mentioned discounts in Pennsylvania, click here.
Buying insurance from Philadelphia auto insurance agents
Many drivers just prefer to talk to a local agent and that is a smart decision The biggest benefit of comparing insurance prices online is that you can find the lowest rates and still have an agent to talk to. Buying from neighborhood insurance agencies is important particularly in Philadelphia.
To find an agent, once you fill out this form (opens in new window), your coverage information is emailed to companies in Philadelphia that provide free Philadelphia car insurance quotes to get your business. You don’t have to search for any insurance agencies since rate quotes are delivered to you instantly. It’s the lowest rates without requiring a lot of work. In the event you want to compare prices from one company in particular, you just need to navigate to their website and complete a quote there.
When narrowing the list to find a good Philadelphia insurance agent, you should know the types of agencies and how they function. Agencies in Philadelphia can either be independent agents or exclusive agents.
Independent Insurance Agencies or Brokers
These type of agents are not locked into one company so they can write business with an assortment of companies enabling the ability to shop coverage around. If your premiums go up, the agent simply finds a different carrier and you won’t have to switch agencies.
If you are comparing insurance prices, we recommend you compare quotes from a couple of independent agencies to get the best comparison. Many can place coverage with additional companies that you may not be familiar with which can save you money.
Below is a short list of independent agencies in Philadelphia that may be able to give price quote information.
- Pa Auto Insurance Outlet
4901 Frankford Ave – Philadelphia, PA 19124 – (215) 827-0800 – View Map - McCollum Insurance Agency
4169 Main St – Philadelphia, PA 19127 – (215) 508-9000 – View Map - Nationwide Insurance: Ferullo Insurance Agencies LLC
1636 S Front St – Philadelphia, PA 19148 – (215) 468-4116 – View Map
Exclusive Insurance Agents
Agents in the exclusive channel generally can only insure with one company like State Farm, AAA, Farmers Insurance or Allstate. They are unable to place coverage with different providers so they have to upsell other benefits. Exclusive insurance agents are well schooled on what they offer and that enables them to sell even at higher rates. Many people buy from the same agent for years mainly due to the brand name rather than low rates.
Shown below are exclusive insurance agencies in Philadelphia that can give you price quotes.
- John Nicolucci – State Farm Insurance Agent
6001 Ridge Ave – Philadelphia, PA 19128 – (215) 482-7000 – View Map - Dave Penning – State Farm Insurance Agent
2962 Robbins Ave – Philadelphia, PA 19149 – (215) 537-8050 – View Map - George Kweder – State Farm Insurance Agent
1521 W Oregon Ave – Philadelphia, PA 19145 – (215) 467-1837 – View Map
Finding the right auto insurance agent is decision based upon more than just a cheap price quote. These are some questions you should get answers to.
- How much experience to they have in personal lines coverages?
- Does the company allow you to choose your own collision repair facility?
- Do they receive special compensation for putting your coverage with one company over another?
- Are they properly licensed to sell insurance in Pennsylvania?
- What companies can they write with?
- How is replacement cost determined on your vehicle?
- How long has their agency been open in Philadelphia?
Insurance can get complicated
When quoting and comparing a policy for your personal vehicles, there really is not a one-size-fits-all type of policy. Each situation is unique so this has to be addressed.
For example, these questions may help you determine if you could use an agent’s help.
- Am I covered if I hit a deer?
- What if I total my Volkswagen Beetle and owe more than it’s worth?
- What is UM/UIM insurance?
- Which companies will insure high-risk drivers?
- Am I covered when driving on a suspended license?
- Is there coverage for injuries to my pets?
- Will damage be repaired with OEM parts?
- Does car insurance cover theft of personal property?
- Are my company tools covered if they get stolen?
- Are rental cars covered under my policy?
If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area.
Compare but don’t skimp
When getting Philadelphia car insurance quotes online, do not buy lower coverage limits just to save a few bucks. In many cases, an insured dropped collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase a proper amount of coverage for the lowest cost, but do not skimp to save money.
Affordable Volkswagen Beetle insurance in Philadelphia is definitely available on the web and also from your neighborhood Philadelphia agents, and you need to price shop both to have the best selection. Some companies may not provide price quotes online and most of the time these smaller providers work with independent agents.
More tips and info about insurance can be found at these sites:
- Understanding your Policy (NAIC.org)
- Who Has Cheap Auto Insurance for a Toyota RAV4 in Philadelphia? (FAQ)
- Who Has Cheap Car Insurance Quotes for Low Income Drivers in Philadelphia? (FAQ)
- What Car Insurance is Cheapest for Safe Drivers in Philadelphia? (FAQ)
- How Much are Car Insurance Rates for Teenagers in Philadelphia? (FAQ)
- Who Has Cheap Auto Insurance for College Students in Philadelphia? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Hyundai Elantra in Philadelphia? (FAQ)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Crash Avoidance Technologies FAQ (iihs.org)