View 2013 Volkswagen Beetle Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 8, 2024

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Trying to find better auto insurance rates for your Volkswagen Beetle? Having to pay for overpriced Volkswagen Beetle insurance can dwindle your funds and require stricter spending habits. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill.

Lots of insurance companies contend to insure your vehicles, and because of this it can be hard to compare auto insurance companies and get the best coverage at the cheapest price

You should make it a habit to take a look at other company’s rates occasionally since prices fluctuate regularly. Even if you think you had the best rates on Beetle coverage a couple years back you may be paying too much now. There is a lot of bad advice regarding auto insurance online but in a few minutes you can learn some proven techniques to reduce your auto insurance bill.

Find cheaper auto insurance with these tips

Many things are used in the calculation when premium rates are determined. Some factors are common sense like your driving record, but others are more obscure like where you live and annual miles driven. It’s important that you understand some of the elements that play a part in calculating auto insurance rates. When consumers understand what determines base rates, this allows you to make good choices that can earn you lower rates.

The following are most of the major factors that factor into your prices.

  • Do thieves like your car? – Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
  • How much liability – Your auto insurance policy’s liability coverage provides coverage when you are found to be at fault for causing personal injury or damage in an accident. This coverage provides for a legal defense to defend your case. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Pleasure use saves money – The higher the miles on your Volkswagen each year the higher your rates will be. A lot of companies calculate rates partially by how you use the vehicle. Cars and trucks used primarily for pleasure use cost less to insure as compared to vehicles used primarily for driving to work. Make sure your vehicle rating reflects annual mileage, because it can save money. Having the wrong rating on your Beetle may be costing you higher rates.
  • Good credit scores equal low prices – Having a bad credit rating can be an important factor in determining your rates. If your credit score can be improved, you could potentially save money when insuring your 2013 Volkswagen Beetle by improving your credit score. People that have high credit scores tend to file fewer claims and have better driving records than those with worse credit.
  • Premiums increase with policy add-ons – There are a ton of optional add-on coverages that can add up when buying auto insurance. Coverages for roadside assistance, towing coverage, and term life insurance could be just wasting money. These may sound like a good investment at first, but if you’ve never needed them in the past remove them from your policy.

The quickest way to compare car insurance rates is to know the fact auto insurance companies pay for the opportunity to provide you with a free rate quote. All consumers are required to do is provide a small amount of information such as any included safety features, the year, make and model of vehicles, your job, and an estimate of your credit level. The data gets transmitted to all major companies and you get price estimates very quickly.

To find lower rates now, click here and find out if you can get cheaper insurance.

Can you really save if you switch?

Big name companies like Progressive, Allstate and GEICO seem to constantly run ads on television and other media. They all seem to seem to make the promise about saving some big amount just by moving your coverage to them. How can each company save you money? This is how they do it.

Insurance providers offer their best rates for the type of driver that will add to their bottom line. For example, this type of insured should be a mature driver, has had continuous coverage, and chooses high deductibles. Any driver who matches that profile will get a cheap rate quote and as a result will probably cut their rates substantially.

Insureds who do not fit these criteria will probably have to pay higher rates and ends up with the customer not buying. The ad wording is “people that switch” not “everyone who quotes” save that much. That is how insurance companies can confidently advertise the way they do. Because every company is different, you need to do a rate comparison at every renewal. It is impossible to predict the company that will have the best prices for your profile.

Cheaper rates by taking advantage of discounts

Car insurance companies do not advertise all discounts in an easy-to-find place, so below is a list some of the best known as well as the least known auto insurance savings.

  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase auto and life insurance together.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you could save approximately 10% to 15%.
  • 55 and Retired – If you’re over the age of 55, you could receive reduced rates on Beetle coverage.
  • Discounts for New Vehicles – Insuring a vehicle that is new can be considerably cheaper compared to insuring an older model.
  • Waiver for an Accident – Not a discount per se, but companies like Progressive and Allstate will turn a blind eye to one accident before hitting you with a surcharge with the catch being you have to be claim-free for a set time period.
  • ABS Brakes – Cars that have anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Discounts for Government Workers – Active or retired federal employment could qualify for a slight premium decrease on Beetle coverage depending on your auto insurance provider.
  • Switch and Save Discount – Some larger companies reward drivers for buying a new policy early. It can save you around 10%.

One last thing about discounts, most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, you’re out of luck.

Some of the larger companies that may include some of the discounts shown above include:

  • State Farm
  • American Family
  • AAA
  • Mercury Insurance
  • Farmers Insurance
  • Progressive

When comparing rates, check with each company or agent which discounts you qualify for. All car insurance discounts may not apply in your area. If you would like to see a list of providers that offer many of these discounts, enter your zip code here.

How much insurance coverage do I need?

When it comes to choosing coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that may help you determine if your situation will benefit from professional help.

  • Are my friends covered when driving my 2013 Volkswagen Beetle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need more liability coverage?
  • Which is better, split liability limits or combined limits?
  • Do I need special endorsements for business use of my vehicle?
  • At what point should I drop full coverage?
  • Can my teen drive my company car?
  • Are my tools covered if they get stolen from my vehicle?
  • Why am I required to get a high-risk car insurance policy?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete your zip code.

What insurance coverages do you need?

Having a good grasp of insurance can help you determine the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages offered by insurance companies.

Comprehensive protection – This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as theft, hitting a deer, fire damage and damage from flooding. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance – This coverage will cover damages or injuries you inflict on other’s property or people. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things like court costs, attorney fees, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a ditch, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for hospital visits, chiropractic care, pain medications, surgery and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Uninsured or underinsured coverage – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Volkswagen Beetle.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

More effort can pay off

Cheaper 2013 Volkswagen Beetle insurance is attainable online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies do not provide online quoting and many times these smaller companies only sell coverage through independent agencies.

You just learned some good ideas how to compare 2013 Volkswagen Beetle insurance premium rates online. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers may even find the most savings is with the smaller companies. Regional companies may only write in your state and offer lower prices than their larger competitors like Allstate, GEICO and Progressive.

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