Save Money on Volkswagen Beetle Insurance in Memphis

Shocking but true, a large majority of auto insurance policyholders kept their policy with the same company for over three years, and nearly the majority have never even compared quotes to find lower-cost rates. Many drivers in Memphis could save roughly 35% each year just by comparing rates, but they just don’t understand the amount of money they would save if they switch to a new company.

Insurance for Volkswagen BeetleIf saving the most money is your goal, then the best way to find better pricing on Volkswagen Beetle insurance is to regularly compare prices from different companies who sell insurance in Memphis.

Step 1: Get an understanding of how companies set rates and the things you can change to drop your rates. Many risk factors that are responsible for high rates such as accidents, traffic violations, and an imperfect credit history can be remedied by making minor changes to your lifestyle. This article provides the details to help prevent high rates and get additional discounts.

Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes from many different companies.

Step 3: Compare the new rates to your existing rates to determine if you can save on Beetle insurance in Memphis. If you can save money, make sure the effective date of the new policy is the same as the expiration date of the old one.

Step 4: Notify your agent or company of your intention to cancel your current policy. Submit payment and a completed application to your new agent or company. As soon as coverage is bound, place your new proof of insurance paperwork along with your vehicle registration.

The most important part of shopping around is to use the same level of coverage on every quote request and and to analyze as many different companies as possible. This helps ensure a level playing field and and a good selection of different prices.

Choices You Make Can Impact Your Insurance Rates

Lots of things are taken into consideration when you get a price on insurance. Most are fairly basic such as your driving record, but some are not quite as obvious such as your marital status and annual miles driven.

Shown below are a few of the things that factor into your rates.

How to get free Volkswagen Beetle insurance quotes online

When comparison shopping, there are several ways to compare rate quotes from lots of Tennessee auto insurance companies. The best method to find competitive Volkswagen Beetle insurance rates is to jump online and get quotes. Just keep in mind that comparing a large number of companies helps locate better pricing.

The providers in the list below can provide comparison quotes in Memphis, TN. If you wish to find the best car insurance in Tennessee, it’s highly recommended you visit several of them to get a more complete price comparison.

Rates and detailed analysis

The information displayed next covers estimates of insurance premium costs for Volkswagen Beetle models. Having a good grasp of how auto insurance premiums are established is important for drivers to make smart choices when buying a car insurance policy.

Volkswagen Beetle Insurance Rates in Memphis, TN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $246 $448 $322 $20 $96 $1,132 $94
Beetle 2-Dr Convertible $320 $528 $250 $14 $74 $1,186 $99
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in garaging location in Memphis which can change premiums considerably.

Driving violations and accidents

The diagram below demonstrates how speeding tickets and at-fault collisions impact Volkswagen Beetle insurance costs for each different age group. The information is based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

Auto insurance is an important decision

Even though it’s not necessarily cheap to insure a Volkswagen in Memphis, auto insurance is mandatory in Tennessee but it also protects more than you think.

The benefits of carrying adequate insurance outweigh the cost, especially for larger claims. As of last year, the average driver in Tennessee overpays more than $825 a year so it’s recommended you shop around at least once a year to ensure rates are inline.

Don’t neglect these discounts on Volkswagen Beetle insurance in Memphis

Auto insurance companies don’t always list every policy discount very well, so below is a list some of the best known and also the more inconspicuous credits available to you.Insurance discounts

A quick disclaimer, most discount credits are not given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, insurance companies aren’t that generous. Any qualifying discounts should help reduce the amount you pay for coverage.

The illustration below illustrates the difference between Volkswagen Beetle car insurance costs with and without some available policy discounts. Data assumes a male driver, no accidents or driving violations, Tennessee state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, safe-driver, marriage, multi-policy, and homeowner discounts applied.

To see insurers that offer multiple discounts in Memphis, click here.

Compare prices but still have a local Memphis insurance agent

Many people just want to get professional advice from a licensed agent and doing so can bring peace of mind One of the best bonuses of comparing rates online is that you can obtain cheaper premium rates and still buy from a local agent. And buying from local insurance agents is important especially in Memphis.

Insurance agency in MemphisTo find an agent, once you fill out this simple form, your information is immediately sent to participating agents in Memphis who will give competitive quotes for your business. You never need to do any legwork since rate quotes are delivered to your email. Get lower rates AND an agent nearby. If you want to get a price quote for a specific company, don’t hesitate to go to their quote page and fill out their quote form.

If you are searching for a local Memphis insurance agency, there are a couple of types of agencies that you can select. Auto insurance agents are considered either independent or exclusive.

Independent Auto Insurance Agencies or Brokers

Agents of this type can quote rates with many companies and that is an advantage because they can write policies with lots of companies and possibly get better coverage at lower prices. If your premiums go up, the agent simply finds a different carrier and that require little work on your part.

When comparing rates, you will definitely want to compare quotes from a couple of independent agencies for the best price selection. A lot of them also have access to smaller companies which can be an advantage.

Featured below is a partial list of independent agencies in Memphis that may be able to give you comparison quotes.

View more Memphis agents

Exclusive Auto Insurance Agencies

Agents of this type have only one company to place business with and some examples include AAA, State Farm, Farmers Insurance, and Allstate. These agents are unable to provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agents are trained well on their company’s products which helps them sell on service rather than price. Some consumers prefer to use the same agent mainly due to high brand loyalty and the convenience of having a single billing for all their coverages.

The following are exclusive insurance agencies in Memphis that can give you comparison quotes.

View more Memphis agents

Finding the right insurance agent requires more thought than just the bottom line cost. Ask your prospective agent these questions:

How to find a good Tennessee car insurance company

Picking the top car insurance provider can be difficult considering how many companies sell coverage in Tennessee. The company information below could help you decide which companies you want to consider comparing rate quotes with.

Top 10 Memphis Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Smart consumers save more

We’ve covered some good ideas how to compare Volkswagen Beetle insurance rates in Memphis. The key concept to understand is the more quotes you get, the better your comparison will be. You may even discover the lowest rates come from a company that doesn’t do a lot of advertising.

Consumers who switch companies do it for a variety of reasons including unfair underwriting practices, high prices, being labeled a high risk driver or not issuing a premium refund. It doesn’t matter what your reason, finding a great new company is less work than it seems.

As you shop your coverage around, it’s not a good idea to buy poor coverage just to save money. There are many occasions where an insured dropped physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The goal is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Additional auto insurance information can be found at these links: