To save the most money, the best way to find low-cost Volkswagen Beetle insurance in Scottsdale is to begin comparing prices regularly from companies who sell insurance in Arizona.
Step 1: Gain an understanding of how companies price auto insurance and the changes you can make to keep rates down. Many rating criteria that increase rates such as traffic tickets, fender benders, and an imperfect credit rating can be rectified by making lifestyle changes or driving safer.
Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from a single company like Progressive or Allstate, while agents who are independent can provide prices for a wide range of insurance providers. Find a Scottsdale insurance agent
Step 3: Compare the new quotes to the price on your current policy and determine if there is any savings. If you find a better price and decide to switch, make sure coverage does not lapse between policies.
An important bit of advice to remember is to try to compare identical coverages on every quote and and to compare all possible companies. This ensures an accurate price comparison and a complete price analysis.
It’s well known that auto insurance companies want to prevent you from shopping around. Consumers who shop around once a year will, in all likelihood, switch to a new company because they have a good chance of finding a lower-priced policy. Surprisingly, a recent survey revealed that drivers who routinely compared quotes saved on average $860 a year as compared to drivers who never shopped around.
If finding discount rates on Volkswagen Beetle insurance in Scottsdale is the reason for your visit, knowing how to choose a company and compare insurance rates can help you succeed in saving money.
Car insurance providers offering competitive prices in Arizona
The following companies offer comparison quotes in Arizona. To locate the cheapest auto insurance in AZ, we suggest you visit as many as you can to get the best price comparison.
Detailed insurance information
The premium table shown next highlights different insurance costs for Volkswagen Beetle models. Being able to understand how premiums are figured is important for making smart choices when purchasing an auto insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Beetle S 2-Dr Hatchback||$202||$390||$254||$16||$76||$938||$78|
|Beetle 2-Dr Convertible||$262||$460||$198||$12||$60||$992||$83|
|Get Your Own Custom Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Estimates do not factor in vehicle location which can influence auto insurance rates substantially.
The illustration below demonstrates how choosing different deductibles and can affect Volkswagen Beetle yearly insurance costs for different age groups of insureds. The data is based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
Comparison of auto insurance rates by age and gender in Scottsdale
The example below illustrates the comparison of Volkswagen Beetle car insurance costs for male and female drivers. The rate quotes are based on no claims, a clean driving record, full physical damage coverage, $1,000 deductibles, drivers are single, and no additional discounts are factored in.
Price comparison of only insuring for liability
The information below illustrates the comparison of Volkswagen Beetle auto insurance rates with full coverage compared to only the Arizona minimum liability coverage. The costs are based on no accidents, no driving violations, $500 deductibles, marital status is single, and no other discounts are factored in.
Are you wasting money on full coverage?
There isn’t a steadfast formula to stop paying for physical damage insurance, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s assume your Volkswagen Beetle claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $7,000 after paying your policy deductible. If you are paying more than $700 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are some scenarios where removing full coverage is not a good plan. If you haven’t paid off your loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
Affordable rates by applying these six discounts
Some companies do not list their entire list of discounts very clearly, so we break down a few of the more well known and also the lesser-known auto insurance savings.
- Claim-Free Discount – Scottsdale drivers who stay claim-free pay less as compared to bad drivers.
- Student Discounts – Being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.
- Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents so companies give up to a 10% discount.
- Good Driver Discounts – Drivers without accidents may receive a discount up to 45% compared to accident prone drivers.
- Homeowners Savings – Simply owning a home may earn you a small savings since home ownership requires personal responsibility.
- Sign Early and Save – Some insurance companies provide a discount for buying a new policy prior to your current Beetle insurance policy expiring. The savings is around 10%.
We need to note that some credits don’t apply to the entire cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, you’re out of luck. But any discount should help lower your premiums.
The chart below visualizes the comparison of Volkswagen Beetle insurance rates with and without some available policy discounts. The rate quotes are based on a male driver, no claims or driving violations, Arizona state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, safe-driver, homeowner, and multi-policy discounts applied.
Some companies that may offer policyholders many of the previously listed discounts include:
When getting free Scottsdale auto insurance quotes, it’s a good idea to every company the best way to save money. Some discounts may not apply to policyholders in every state. To choose insurers who offer cheap Volkswagen Beetle insurance quotes in Arizona, click this link.
Can’t I compare rates from local Scottsdale auto insurance agents?
Some people would rather talk to an insurance agent and that is recommended in a lot of cases Professional insurance agents are highly skilled in risk management and help you file claims. One of the benefits of getting free rate quotes online is the fact that drivers can get lower rates and still have an agent to talk to.
To make it easy to find an agent, after completing this short form, your insurance data is submitted to local insurance agents in Scottsdale who will gladly provide quotes for your insurance coverage. You won’t need to contact an agency due to the fact that quote results will go to you instantly. If you need to compare rates from a specific company, you would need to jump over to their website and fill out the quote form the provide.
Selecting a insurance company should depend on more than just the bottom line cost. Here are some questions you might want to ask.
- Do they offer accident forgiveness?
- Has the agent ever had any license suspensions?
- Do they have cheaper tiers of coverage?
- Can they give you a list of client referrals?
- What are their preferred companies if they are an independent agency?
- What is the financial rating for the quoted company?
- Is there any savings for paying the full premium?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
When researching a good insurance agency, it can be helpful to understand the types of agencies and how they differ in how they quote coverages. Auto insurance policy providers can be categorized as either exclusive or independent (non-exclusive). Both types can handle auto insurance, but it’s a good idea to understand the differences because it may have an impact on the kind of agent you use.
Exclusive Auto Insurance Agents
Agents that choose to be exclusive write business for a single company such as State Farm, AAA, and Liberty Mutual. Exclusive agents are unable to compare other company’s rates so it’s a take it or leave it situation. They are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums. Drivers often purchase coverage from exclusives mainly due to the brand rather than low price.
Listed below is a list of exclusive insurance agencies in Scottsdale willing to provide rate quotes.
- Scott Knudten – State Farm Insurance Agent
14702 N Frank Lloyd Wright Blvd – Scottsdale, AZ 85260 – (480) 948-8771 – View Map
- Steve Fair – State Farm Insurance Agent
33717 N Scottsdale Rd #101 – Scottsdale, AZ 85266 – (480) 563-2710 – View Map
- Farmers Insurance – Jim Kreisman
9590 E Ironwood Square Dr #230 – Scottsdale, AZ 85258 – (480) 491-8585 – View Map
Independent Auto Insurance Agencies
Agents that choose to be independent are appointed with more than one company so they can quote policies through many companies and possibly get better coverage at lower prices. If they find a lower price, your agent can just switch to a different company which is easy for the insured.
If you need cheaper auto insurance rates, you will want to include rate quotes from several independent agencies for maximum quote selection. Many write coverage with mutual insurance companies which may provide better rates.
Listed below are independent insurance agencies in Scottsdale that are able to give comparison quotes.
- Greene Insurance Group
17470 N Pacesetter Way – Scottsdale, AZ 85255 – (480) 657-2800 – View Map
- J B Martin Insurance Agency
4835 E Cholla St – Scottsdale, AZ 85254 – (480) 423-7444 – View Map
- JVP Insurance Agency
10025 E Dynamite Blvd – Scottsdale, AZ 85262 – (480) 473-3100 – View Map
Auto insurance coverage breakdown
Knowing the specifics of your auto insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.
Collision insurance covers damage to your Beetle caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as hitting a parking meter, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible on your Beetle in order to get cheaper collision rates.
Liability insurance will cover injuries or damage you cause to other’s property or people in an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 15/30/10 which means $15,000 bodily injury coverage, $30,000 for the entire accident, and $10,000 of coverage for damaged property.
Liability coverage pays for things like pain and suffering, loss of income, medical services and court costs. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford. Arizona requires minimum liability limits of 15/30/10 but you should consider buying higher limits.
The next chart demonstrates why buying the state minimum limits may not be high enough to adequately cover claims.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for X-ray expenses, EMT expenses, doctor visits, rehabilitation expenses and ambulance fees. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
UM/UIM (Uninsured/Underinsured Motorist) coverage
This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Volkswagen Beetle.
Since a lot of drivers only carry the minimum required liability limits (Arizona limits are 15/30/10), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.
Comprehensive auto coverage
This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as rock chips in glass, falling objects, damage from a tornado or hurricane, hail damage and a broken windshield. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Persistence is the key to affordable rates
Some insurance providers do not offer online price quotes and these small, regional companies sell through independent agents. The cheapest Volkswagen Beetle insurance in Scottsdale can be sourced from both online companies in addition to many Scottsdale insurance agents, so you need to compare both in order to have the best price selection to choose from.
As you restructure your insurance plan, do not buy poor coverage just to save money. In many instances, someone sacrificed collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage at the lowest possible cost.
Drivers who switch companies do it for a variety of reasons including being labeled a high risk driver, unfair underwriting practices, delays in paying claims or even delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new insurance company can be easier than you think.
Additional information is located at the links below
- Prepare your Teens for Safe Driving (InsureUonline.org)
- What Insurance is Cheapest for State Employees in Scottsdale? (FAQ)
- How Much are Auto Insurance Rates for a Nissan Rogue in Scottsdale? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers Over Age 50 in Scottsdale? (FAQ)
- Child Safety FAQ (iihs.org)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Vehicle Insurance in the U.S. (Wikipedia)