Car Insurance Rate Quotes for a Volkswagen Beetle in Toledo

A study showed that most drivers have remained with the same auto insurance company for at least the last four years, and almost 40% of drivers have never quoted auto insurance rates at all. Consumers in Ohio could save themselves $700 a year just by comparing rates, but they just assume it takes a lot of time to do a rate comparison.

Discount Volkswagen Beetle insuranceIf saving the most money is your goal, then the best way to find cheaper quotes for Volkswagen Beetle insurance in Toledo is to regularly compare prices from different companies that sell auto insurance in Ohio.

The key thing to remember is to make sure you enter similar limits and deductibles on every quote and and to compare all possible companies. This guarantees the most accurate price comparison and a complete price analysis.

There are several ways to compare rate quotes from different Toledo insurance companies. The quickest method to find the lowest Volkswagen Beetle rates consists of shopping online.

Doing price comparisons online is so simple that it replaces the need to spend time driving to insurance agencies in your area. Comparing Volkswagen Beetle insurance rates online eliminates this option unless you require the guidance that can only be provided by a licensed insurance agent. If you prefer, some companies allow you to price shop online but buy from a local insurance agent. It’s important to know that obtaining a wide range of quotes will improve the odds of getting more affordable insurance. Not every company provides rate quotes online, so it’s important to compare prices on coverage from those companies, too.

The following companies can provide quotes in Toledo, OH. If multiple companies are listed, it’s a good idea that you visit as many as you can to find the cheapest car insurance rates.

Toledo car insurance discounts

Some insurers don’t always list all available discounts very well, so the following is a list of a few of the more common and the more hidden credits that may apply to you. If you do not check that you are getting every discount available, you could be saving more on your car insurance.Save money with discounts

Keep in mind that most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, it just doesn’t work that way.

The diagram below compares Volkswagen Beetle premium costs with and without discounts being applied to the rates. The premiums assume a male driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, marriage, multi-car, and safe-driver discounts applied.

The best car insurance companies and their possible discounts are outlined below.

If you want low cost Toledo auto insurance quotes, ask every insurance company which discounts they offer. Some of the discounts discussed earlier may not be available in Toledo. If you would like to choose from a list of providers that have a full spectrum of discounts in Ohio, click here to view.

Auto insurance data for a Volkswagen Beetle

The rate information shown next showcases estimates of prices for Volkswagen Beetle models. Being aware of how insurance rates are formulated can help customers make informed decisions when comparing rate quotes.

Volkswagen Beetle Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $104 $228 $260 $16 $78 $686 $57
Beetle 2-Dr Convertible $136 $270 $202 $12 $60 $680 $57
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in your specific Toledo location which can affect insurance rates considerably.

Policy deductible comparison

A question often asked by Toledo drivers is how high should the physical damage deductibles be. The comparisons below approximate the rate difference when you buy lower versus higher comp and collision deductibles. The first data table uses a $100 deductible and the second rate chart uses a $500 deductible.

Volkswagen Beetle insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $170 $352 $192 $12 $58 $809 $67
Beetle 2-Dr Convertible $220 $416 $150 $10 $44 $865 $72
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Volkswagen Beetle insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $124 $238 $192 $12 $58 $624 $52
Beetle 2-Dr Convertible $160 $280 $150 $10 $44 $644 $54
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Prices do not factor in vehicle garaging location which can raise or lower coverage prices greatly.

We can derive from the above data that using a $100 deductible would cost the average driver about $17 more each month or $204 for a full year than requesting the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 24 months between claims, you would most likely save money going with the higher deductible.

The example below illustrates how choosing a deductible and can raise or lower Volkswagen Beetle premium costs for each age group. The data is based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

Drive safe and save

The example below illustrates how violations and fender-benders can affect Volkswagen Beetle car insurance rates for different age groups. The costs are based on a single female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

Full coverage versus liability-only

The illustration below shows the comparison of Volkswagen Beetle yearly insurance costs with and without full coverage. The rates are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no clear-cut formula to eliminate physical damage insurance, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Volkswagen Beetle book value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $3,000 after paying your policy deductible. If you are currently paying more than $300 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are some cases where dropping full coverage is not recommended. If you haven’t paid off your loan, you have to carry full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not remove full coverage.

What if I want to buy from local Toledo auto insurance agents?

Some people would prefer to talk to an insurance agent and doing that can be a smart decision A nice benefit of comparing insurance prices online is that drivers can save money and get lower rates and still have a local agent.

For easy comparison, once you complete this short form, your information is submitted to local insurance agents that provide free Toledo auto insurance quotes for your insurance coverage. You don’t have to drive around because quoted prices will be sent to you directly. You can get cheaper car insurance rates and a licensed agent to talk to. If you want to get a comparison quote from one company in particular, you would need to navigate to their website and submit a quote form there.

Finding a good insurer should depend on more than just a cheap price. Before buying a policy in Toledo, get answers to these questions.

Shown below are agents in Toledo that can give you price quotes for Volkswagen Beetle insurance in Toledo.

2600 N Reynolds Rd #104bToledo, OH 43615(419) 536-6030View Map

2416 W Laskey RdToledo, OH 43613(419) 474-9672View Map

3421 N Holland Sylvania RdToledo, OH 43615(419) 841-4446View Map

2828 Central AveToledo, OH 43606(419) 473-3276View Map

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Three good reasons to insure your Volkswagen Beetle

Despite the high insurance cost for a Volkswagen Beetle in Toledo, buying auto insurance may be required and benefits you in several ways.

The benefits of having auto insurance outweigh the cost, especially when you need to use it. Despite what companies tell you, the average driver is overpaying more than $825 a year so you should quote your policy with other companies once a year at a minimum to help ensure money is not being wasted.

Specifics of your insurance policy

Knowing the specifics of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are the usual coverages available from insurance companies.

Liability auto insurance

Liability coverage can cover injuries or damage you cause to other’s property or people in an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as pain and suffering, funeral expenses and medical expenses. How much coverage you buy is your choice, but consider buying as much as you can afford. Ohio state law requires minimum liability limits of 25/50/25 but drivers should carry better liability coverage.

The illustration below shows why low liability limits may not be adequate coverage.

Collision coverage

This will pay to fix damage to your Beetle from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a building, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible on your Beetle to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses like dental work, EMT expenses, doctor visits and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits (25/50/25 in Ohio), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a broken windshield, hitting a deer, falling objects, rock chips in glass and damage from getting keyed. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Keep this in mind when shopping around

We covered quite a bit of information on how to get a better price on Volkswagen Beetle insurance in Toledo. The key concept to understand is the more you quote Toledo auto insurance, the better your comparison will be. You may even be surprised to find that the best price on car insurance is with a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

Cheap Volkswagen Beetle insurance in Toledo can be bought on the web in addition to local insurance agencies, so you need to quote Toledo auto insurance with both to have the best chance of lowering rates. A few companies do not offer online rate quotes and most of the time these small insurance companies work with independent agencies.

As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. In many cases, an insured dropped liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage at the best cost, not the least amount of coverage.

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