Auto Insurance Quotes for a Volkswagen Beetle in Jacksonville

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.

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.

Insurance quote for Volkswagen Beetle in JacksonvilleIt’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.

Volkswagen Beetle Insurance Rates in Jacksonville, FL
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
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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.

Volkswagen Beetle insurance prices with $250 deductibles
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
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Volkswagen Beetle insurance prices with $500 deductibles
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
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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.

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:

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.

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.

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: