Trying to find better insurance prices for your Volkswagen Beetle in Missouri can be difficult, but you can follow the following methods and make it easy.
There is a right way and a wrong way to buy insurance and you need to know the quickest way to get price quotes on a Volkswagen and find the lowest possible price.
If you have coverage now or just want a better rate, take advantage of these tips to shop for the lowest rates and still have adequate protection. Getting quotes for cheaper policy in Kansas City is not as hard as you think. Shoppers just have to know the quickest method to shop their coverage around online.
The companies in the list below provide free rate quotes in Kansas City, MO. If you wish to find cheap car insurance in Kansas City, it’s highly recommended you visit two to three different companies in order to find the most competitive rates.
Kansas City insurance discounts for a Volkswagen Beetle
Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not know about. A few discounts will be applied when you get a quote, but some discounts are required to be specifically requested prior to getting the savings.
- Policy Bundle Discount – If you insure your home and vehicles with one company you could save over 10 percent off each policy depending on the company.
- Online Discount – A handful of insurance companies give back up to $50 for completing your application digitally online.
- Waiver for an Accident – Not really a discount, but a few companies such as GEICO, State Farm, and Progressive will allow you to have one accident without raising rates if your claims history is clear prior to being involved in the accident.
- Save with More Vehicles Insured – Drivers who insure primary and secondary vehicles with the same car insurance company can reduce rates for all insured vehicles.
- Switch and Save Discount – Some insurance companies give discounts for signing up before your current coverage expires. It’s a savings of about 10%.
- No Claim Discounts – Drivers with accident-free driving histories have much lower rates in comparison with drivers with a long claim history.
- Drivers Education – Teen drivers should successfully take a driver’s education course as it can save substantially.
- Federal Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease with a few car insurance companies.
- Mature Driver Discount – Mature drivers may qualify for better car insurance rates.
A little disclaimer on discounts, most discount credits are not given to the entire cost. A few only apply to the cost of specific coverages such as medical payments or collision. Just because you may think you could get a free car insurance policy, insurance companies wouldn’t stay in business. Any amount of discount will reduce the amount you have to pay.
The diagram below visualizes the comparison of Volkswagen Beetle auto insurance rates with and without discounts being applied to the rates. The rates are based on a female driver, no claims or violations, Missouri 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, homeowner, marriage, multi-car, safe-driver, and multi-policy discounts applied.
To view providers that offer discounts in Kansas City, click here to view.
Insurance coverage analysis
The price information displayed next covers a range of coverage costs for Volkswagen Beetle models. Having a good understanding how insurance policy premiums are determined can be valuable when making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $108 | $250 | $274 | $16 | $82 | $730 | $61 |
| Beetle 2-Dr Convertible | $140 | $296 | $212 | $12 | $64 | $724 | $60 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in your specific Kansas City location which can influence prices considerably.
Rate comparison for different deductibles
One common question asked by Kansas City drivers is how high should your deductibles be. The premium rates below illustrate the price difference when you select higher and lower comp and collision deductibles. The first data table uses a $250 deductible for physical damage and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $180 | $346 | $226 | $14 | $68 | $859 | $72 |
| Beetle 2-Dr Convertible | $232 | $408 | $176 | $10 | $52 | $903 | $75 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $146 | $280 | $226 | $14 | $68 | $734 | $61 |
| Beetle 2-Dr Convertible | $188 | $330 | $176 | $10 | $52 | $756 | $63 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate information does not factor in garaging location in Kansas City which can affect premium rates noticeably.
Based on the above data, using a $250 deductible will cost you approximately $12 more each month or $144 a year than choosing the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 21 months between claims, you would probably come out ahead by selecting a higher deductible. Here is the way you can perform this determination yourself.
| Average monthly premium for $250 deductibles: | $74 |
| Average monthly premium for $500 deductibles (subtract): | – $62 |
| Monthly savings from raising deductible: | $12 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $12 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
Responsible drivers pay cheaper Kansas City car insurance rates
The chart below demonstrates how citations and at-fault claims can raise Volkswagen Beetle yearly insurance costs for each different age group. The prices are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are factored in.
Price comparison of only insuring for liability
The example below shows the difference between Volkswagen Beetle car insurance costs with and without full coverage. The information is based on no violations or claims, $1,000 deductibles, drivers are not married, and no discounts are factored in.
Should you buy full coverage or liability only?
There is no set guideline for dropping comp and collision coverage, but there is a guideline you can consider. If the annual cost of coverage is more than about 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 say your Volkswagen Beetle replacement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $4,000 after the deductible is paid. If you are currently paying more than $400 annually for your policy with full coverage, then it might be time to consider dropping full coverage.
There are some circumstances where buying only liability insurance is not in your best interest. If you haven’t paid off your loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.