The best way to get cheaper Volkswagen Beetle insurance in Jacksonville is to make a habit of comparing prices annually from insurers in Florida. Prices can be compared by completing these steps.
- First, gain an understanding of how insurance works and the measures you can control to prevent expensive coverage. Many factors that are responsible for high rates such as accidents, careless driving, and an unacceptable credit rating can be controlled by paying attention to minor details. Continue reading for more ideas to prevent high rates and find overlooked discounts.
- Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from a single company like GEICO and State Farm, while independent agents can quote rates from many different companies.
- Third, compare the new quotes to your current policy premium to see if switching to a new carrier will save money. If you find a better price and switch companies, make sure coverage does not lapse between policies.
- Fourth, provide written notification to your current company to cancel your existing policy and submit the required down payment along with the signed application to the new company. As soon as you can, store the proof of insurance certificate somewhere easily accessible.
An essential thing to point out is to make sure you enter identical coverage information on each price quote and and to get price estimates from every insurance company. Doing this helps ensure the most accurate price comparison and maximum price selection.
It’s hard to fathom, but a large majority of auto insurance policyholders in Florida have purchased from the same company for at least four years, and just under half have never quoted rates to find cheaper coverage. Many drivers in America can cut their rates by about $850 a year, but they just don’t understand how much money they would save if they switched to a cheaper policy.
Locating the most cost-effective insurance policy in Jacksonville can really be easy if you know what you’re doing. If you have insurance now, you should be able to reduce the price you pay using the tips covered below. But Florida drivers do need to understand how insurance companies compete online because it varies considerably.
Affordable companies for Volkswagen Beetle insurance in Florida
The companies shown below are our best choices to provide comparison quotes in Jacksonville, FL. If several companies are displayed, it’s highly recommended you visit two to three different companies to find the lowest car insurance rates.
Volkswagen Beetle insurance rate analysis
The premium table shown below covers detailed analysis of insurance premium costs for Volkswagen Beetle models. Understanding more about how insurance prices are formulated can be of help when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $150 | $352 | $400 | $24 | $120 | $1,046 | $87 |
| Beetle 2-Dr Convertible | $194 | $414 | $312 | $18 | $94 | $1,032 | $86 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Prices do not factor in specific Jacksonville garaging location which can increase or decrease insurance rates considerably.
Should you raise deductibles?
One common question asked by Jacksonville drivers is how high should the physical damage deductibles be. The comparisons below illustrate the difference in cost between high and low physical damage coverage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $280 | $544 | $354 | $20 | $106 | $1,329 | $111 |
| Beetle 2-Dr Convertible | $364 | $640 | $276 | $16 | $82 | $1,403 | $117 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $228 | $438 | $354 | $20 | $106 | $1,146 | $96 |
| Beetle 2-Dr Convertible | $296 | $516 | $276 | $16 | $82 | $1,186 | $99 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in Jacksonville location which can influence premium rates noticeably.
Based on the figures above, using a $250 deductible could cost the average driver approximately $16 more each month or $192 each year than quoting the higher $500 deductible. Because you would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 16 months between claims, you would more than likely save some money if you choose the higher deductible.
How to determine if a higher deductible is a good idea
| Average monthly premium for $250 deductibles: | $114 |
| Average monthly premium for $500 deductibles (subtract): | – $98 |
| Monthly savings from raising deductible: | $16 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $16 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 16 months |
An important thing to remember is that a higher deductible level means you will have to pay more of your own money when you have to file a claim. That will force you to have enough extra money in the event you need to pay the deductible for vehicle repair.
The illustration below highlights how deductible selection and can influence Volkswagen Beetle insurance premiums for different age groups of insureds. The prices are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.
Car insurance rates are higher with tickets and accidents
The illustration below illustrates how speeding tickets and at-fault claims influence Volkswagen Beetle insurance costs for different ages of insureds. The premium estimates are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
Rate comparison of full coverage and liability-only
The information below visualizes the comparison of Volkswagen Beetle insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in Florida. The information is based on no claims or violations, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
Should you buy full coverage or liability only?
There is no definitive rule of when to exclude physical damage coverage, but there is a general convention. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Volkswagen Beetle book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after paying your policy deductible. If you are paying more than $400 annually for full coverage, then it’s probably a good time to buy liability coverage only.
There are some cases where only buying liability is not recommended. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not remove full coverage.
Get cheaper Volkswagen Beetle insurance rates in Jacksonville
Companies that sell car insurance don’t necessarily list all their discounts in an easy-to-find place, so the following list contains a few of the more well known and also the lesser-known discounts that you may qualify for.
- Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts may be able to save a few bucks off the personal injury premium cost.
- Telematics Data Discounts – Insureds that choose to allow their company to study driving manner by using a telematic data system such as Progressive’s Snapshot could save a few bucks if they are good drivers.
- Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and can earn a small discount on your policy.
- Multiple Policy Discount – If you combine your auto and homeowners policies and insure them with the same company you could save up to 20% and get you inexpensive Volkswagen Beetle insurance in Jacksonville.
- Government Employee Discount – Being employed by or retired from a federal job could cut as much as 10% off depending on your company.
- Sign Early and Save – Select auto insurance companies give a discount for switching companies before your current coverage expires. This can save 10% or more.
- Good Students Pay Less – Getting good grades can get you a discount of up to 25%. Most companies allow this discount until age 25.
- Accident-Free Discounts – Claim-free drivers can earn big discounts when compared with insureds who have frequent claims or accidents.
- More Vehicles More Savings – Buying coverage for more than one vehicle with the same auto insurance company can get a discount for every vehicle.
Drivers should understand that some credits don’t apply to your bottom line cost. Most only apply to specific coverage prices like comp or med pay. Just because it seems like you would end up receiving a 100% discount, you aren’t that lucky.
The diagram below visualizes the comparison of Volkswagen Beetle auto insurance rates with and without discounts being applied to the rates. The prices are based on a female driver, a clean driving record, no claims, Florida state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, homeowner, safe-driver, multi-policy, and multi-car discounts applied.
Popular auto insurance companies and some of the discounts include:
- Farm Bureau has savings for multi-policy, driver training, good student, renewal discount, multi-vehicle, and 55 and retired.
- MetLife offers discounts for accident-free, multi-policy, good driver, defensive driver, good student, and claim-free.
- Progressive may have discounts that include online signing, homeowner, multi-policy, good student, multi-vehicle, and continuous coverage.
- AAA may offer discounts for good student, multi-car, education and occupation, anti-theft, and good driver.
- American Family policyholders can earn discounts including multi-vehicle, defensive driver, mySafetyValet, Steer into Savings, early bird, good student, and accident-free.
- GEICO may include discounts for multi-policy, good student, multi-vehicle, anti-lock brakes, and daytime running lights.
- State Farm includes discounts for student away at school, driver’s education, accident-free, safe vehicle, multiple autos, and Steer Clear safe driver discount.
When getting free Jacksonville auto insurance quotes, it’s a good idea to all companies you are considering how many discounts you can get. All car insurance discounts may not be available in your state. To locate insurance companies that offer some of these discounts in Jacksonville, click here to view.
It’s not one size fits all
Always remember that when buying a policy for your personal vehicles, there isn’t really a one-size-fits-all type of policy. Every situation is different.
For instance, these questions could help you determine whether your personal situation may require specific advice.
- What is the rate difference between pleasure use and commuting?
- Will my insurance pay for OEM parts?
- Does my policy cover me if I wreck while driving under the influence?
- Am I covered if hit by an uninsured driver?
- Does my liability insurance cover pulling a trailer or camper?
- What are the financial responsibility laws in my state?
- Does my policy cover my teen driver if they drive my company car?
- Am I covered if I hit someone who is not insured?
- What can I do if my company denied a claim?
- Does coverage extend to my business vehicle?
If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.
Getting quotes from local Jacksonville insurance agents
Some people still like to go talk to an agent and that is recommended in a lot of cases The best thing about getting free rate quotes online is that you can find cheap rate quotes but still work with a licensed agent.
Once you complete this form (opens in new window), your insurance data is emailed to insurance agents in Jacksonville that provide free Jacksonville auto insurance quotes for your business. You won’t even need to find an agent on your own because quoted prices will be sent immediately to your email address. You can find better rates and a licensed agent to work with. If you have a need to compare prices for a specific company, you would need to visit that company’s website and complete a quote there.
Finding the right provider should depend on more than just the premium amount. The answers to these questions are important, too.
- By raising physical damage deductibles, how much would you save?
- Are aftermarket or OEM parts used to repair vehicles?
- Can you choose the body shop in case repairs are needed?
- Is the agency active in community causes in Jacksonville?
- Do they get paid more for recommending certain coverages?
- Can you contact them at any time?
- Are there any discounts for paying up front?
- How long have they been in business?
In Summary
Some insurance providers may not have online rate quotes and usually these smaller companies only sell through independent insurance agencies. The cheapest Volkswagen Beetle insurance in Jacksonville is definitely available on the web and from local insurance agents, and you need to comparison shop both so you have a total pricing picture.
Consumers leave their current company for a variety of reasons including high prices, extreme rates for teen drivers, poor customer service and unfair underwriting practices. It doesn’t matter why you want to switch finding a new company is pretty easy and you might even save some money in the process.
As you shop your coverage around, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where someone dropped full coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to buy enough coverage for the lowest cost but still have enough coverage for asset protection.
Additional information is available on the following sites:
- Avoiding Deer Collisions (Insurance Information Institute)
- Who Has Cheap Jacksonville Auto Insurance Quotes for a Kia Optima? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers Over Age 60 in Jacksonville? (FAQ)
- What Car Insurance is Cheapest for a 20 Year Old Male in Jacksonville? (FAQ)
- What Car Insurance is Cheapest for a Nissan Altima in Jacksonville? (FAQ)
- Determining Auto Insurance Rates (GEICO)
- Understanding Car Crashes Video (iihs.org)
- Safety Belts FAQ (iihs.org)