The recommended way to get low-cost Volkswagen Beetle insurance in Indianapolis is to start comparing prices regularly from insurance carriers in Indiana.
- First, take a little time to learn about policy coverages and the changes you can make to prevent high rates. Many things that increase rates like speeding tickets, accidents and a poor credit rating can be remedied by making lifestyle changes or driving safer. Keep reading for ideas to prevent high prices and find hidden discounts.
- Second, request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like GEICO or Farmers Insurance, while independent agencies can give you price quotes for a wide range of insurance providers.
- Third, compare the new rate quotes to your current policy premium and see if you can save money. If you find a lower rate quote and buy the policy, verify that coverage does not lapse between policies.
- Fourth, give notification to your agent or company to cancel your existing policy. Submit a down payment and signed policy application for your new coverage. Once the application is submitted, keep your new proof of insurance paperwork along with the vehicle’s registration papers.
One tip to remember is that you use similar deductibles and liability limits on every price quote and and to get quotes from as many companies as possible. Doing this guarantees a fair price comparison and and a good selection of different prices.
Remarkably, a study showed that most car insurance buyers in Indiana kept their coverage with the same car insurance company for at least the last four years, and nearly the majority have never quoted rates to find cheaper coverage. Consumers in the U.S. could save as much as $860 each year by just comparing rate quotes, but they won’t spend time to compare rates.
If you have a policy now or are shopping for new coverage, you can learn to shop for the lowest rates and possibly find even better coverage. Locating the best rates in Indianapolis can really be easy if you know what you’re doing. Comparison shoppers only have to learn how to get comparison quotes from many different companies.
Reducing your insurance rates can be surprisingly simple. The only requirement is to take a couple of minutes comparing rate quotes online with multiple companies.
Online shopping is fast and free, and it replaces the need to make phone calls or go to each insurance agency near you. The fact that you can get quotes online eliminates the need for an insurance agent unless your situation requires the trained guidance that can only be provided by a licensed insurance agent. It is possible with some companies get the lowest quotes online and have a local agent actually service the policy.
The companies in the list below have been selected to offer quotes in Indiana. If more than one company is shown, we suggest you visit several of them to get the lowest price.
Analysis of coverages
The rate table displayed below covers estimates of insurance rates for Volkswagen Beetle models. Being more informed about how rate quotes are established can benefit drivers when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $114 | $226 | $244 | $14 | $72 | $670 | $56 |
| Beetle 2-Dr Convertible | $146 | $266 | $190 | $12 | $56 | $670 | $56 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in Indianapolis location which can decrease or increase insurance rates noticeably.
Raise deductibles and save
One of the hardest decisions when shopping for auto insurance is how high should the deductibles for physical damage be. The following insurance rates highlight how much more rates are when you select higher and lower physical damage coverage deductibles. The first set of rates uses a $100 deductible for comp and collision and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $210 | $436 | $238 | $14 | $72 | $995 | $83 |
| Beetle 2-Dr Convertible | $272 | $514 | $186 | $10 | $56 | $1,063 | $89 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $116 | $230 | $238 | $14 | $72 | $670 | $56 |
| Beetle 2-Dr Convertible | $152 | $270 | $186 | $10 | $56 | $674 | $56 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in specific Indianapolis garaging location which can change rates considerably.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $30 more each month or $360 annually than opting for the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 30 months between claim filings, you would probably come out ahead by going with a higher deductible. The table below illustrates the way you can make this decision for your own policy.
| Average monthly premium for $100 deductibles: | $86 |
| Average monthly premium for $1,000 deductibles (subtract): | – $56 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 30 months |
An important sidenote is that raising deductibles means you will have to pay more of your own money when you have a claim. You will want to have some extra savings in order to pay the deductible for vehicle repair.
Gender-based auto insurance rates
The chart below visualizes the comparison of Volkswagen Beetle car insurance costs for male and female drivers. The costs are based on no claims, a clean driving record, full physical damage coverage, $250 deductibles, single marital status, and no policy discounts are applied.
Full coverage rates vs. liability-only in Indianapolis
The diagram below illustrates the difference between Volkswagen Beetle insurance costs with and without physical damage coverage. The data assumes no claims, a clean driving record, $250 deductibles, marital status is single, and no discounts are applied.
Should you pay for full coverage or liability only?
There isn’t a steadfast formula for eliminating full coverage, but there is a general convention. If the yearly cost of full coverage is more than 10% of the settlement you would receive from your company, then it could be time to drop full coverage.
For example, let’s pretend your Volkswagen Beetle claim settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after paying your policy deductible. If you are paying more than $800 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are some circumstances where dropping full coverage is not advised. If you haven’t satisfied your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage.
Car insurance is unique, just like you
When choosing insurance from an agent or online, there is no single plan that fits everyone. Everyone’s needs are different.
These are some specific questions can help discover if your situation might need professional guidance.
- When can I cancel my policy?
- Am I covered when delivering products for my home-based business?
- What is no-fault insurance?
- What is an umbrella policy?
- Who does medical payments coverage extend to?
- Is my babysitter covered when using my vehicle?
- Why do I only qualify for high-risk insurance?
If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.
Compare prices but buy from a local Indianapolis insurance agency
Many people still like to talk to a local agent and we recommend doing that Most agents are trained risk managers and help you file claims. A nice benefit of comparing insurance prices online is that you can find cheaper premium rates and still have an agent to talk to. And buying from local agencies is definitely important in Indianapolis.
Once you complete this short form, your insurance coverage information is submitted to insurance agents in Indianapolis who want to provide quotes for your car insurance coverage. It simplifies rate comparisons since you won’t have to contact an agency since rate quotes are delivered to the email address you provide. If you have a need to get a price quote from one company in particular, you just need to find their quoting web page and submit a quote form there.
The difference between Indianapolis auto insurance agents
When finding a good insurance agency, there are a couple of different types of agencies and how they can service your needs differently. Car insurance agencies are categorized either independent agents or exclusive agents. Either can provide car insurance policies, but it is important to understand how they are different because it can impact which agent you choose.
Independent Car Insurance Agencies
Independent agents are not limited to a single company so they can insure your vehicles with a variety of different insurance companies and get you the best rates possible. To transfer your coverage to a different company, your policy is moved internally and you won’t have to switch agencies.
If you need cheaper car insurance rates, we recommend you get quotes from several independent insurance agents to have the most options to choose from.
Shown below is a list of independent insurance agencies in Indianapolis who can help you get competitive price quotes.
Dalessandro Agency Inc – Titan Insurance
4918 S Emerson Ave – Indianapolis, IN 46203 – (317) 780-2500 – View Map
Jensen Ford Insurance
8000 S Meridian St – Indianapolis, IN 46217 – (317) 888-6007 – View Map
Owens Insurance Agency
N Alabama St #350 – Indianapolis, IN 46204 – (317) 572-8080 – View Map
Exclusive Agents
Agents in the exclusive channel can only write with one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot provide prices from multiple companies so it’s a take it or leave it situation. Exclusive insurance agents are highly trained on sales techniques which helps offset the inability to provide other markets.
Shown below is a short list of exclusive agencies in Indianapolis who can help you get price quotes.
Sarah Holtrup – State Farm Insurance Agent
1480 W Southport Rd c – Indianapolis, IN 46217 – (317) 888-5200 – View Map
Jim Crinklaw – State Farm Insurance Agent
9423 Pendleton Pike – Indianapolis, IN 46236 – (317) 897-6129 – View Map
Leland Brown Sr. – State Farm Insurance Agent
5936 N Keystone Ave #201 – Indianapolis, IN 46220 – (317) 251-1400 – View Map
Picking a auto insurance agent requires more thought than just the price. These are some questions you should get answers to.
- Do they offer rental car reimbursement?
- Is their price quote a firm figure or are their hidden costs?
- What kind of financial rating does the company have?
- Do you qualify for any additional discounts?
- Does the quote include credit and driving reports?
- How long has their agency been in business in Indianapolis?
- Do they prorate repair cost based on vehicle mileage?
- When do they do a full risk review?
If you feel you receive acceptable answers for all questions you ask and a low price estimate, you’ve probably found an auto insurance agent that can be relied on to properly insure your vehicles.