The most effective way to get more affordable Volkswagen Beetle insurance is to compare prices once a year from providers that sell auto insurance in Nashville.
Step 1: Learn about how insurance companies determine prices and the measures you can take to prevent expensive coverage. Many things that increase rates such as your driving record and a less-than-favorable credit score can be improved by making lifestyle changes or driving safer. This article gives more information to prevent high prices and get bigger discounts.
Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO and Allstate, while independent agencies can quote prices from multiple sources. Begin your rate comparison
Step 3: Compare the new rate quotes to your existing coverage to see if a cheaper price is available. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Provide proper notification to your current company to cancel the current policy. Submit the signed application along with the required initial payment for the new policy. Don’t forget to place the new certificate verifying proof of insurance with your registration paperwork.
A key point to remember is that you’ll want to make sure you compare the same amount of coverage on each price quote and and to get rate quotes from all possible companies. Doing this provides a fair rate comparison and a better comparison of the market.
A recent NerdWallet.com study revealed that a large majority of insurance policyholders kept their coverage with the same insurance company for four years or more, and almost half have never compared quotes from other companies. Drivers in Nashville could save an average of approximately 35% each year by just shopping around, but they don’t know how much savings they would realize if they changed companies.
Buying the cheapest car insurance in Nashville is much easier if you have a good place to start. In a nutshell, every driver who quotes car insurance will most likely find a lower-cost policy. But Tennessee drivers can benefit by having an understanding of the methods companies use to sell online and use it to your advantage.
How to get Nashville Volkswagen Beetle insurance quotes
To find cheaper Nashville auto insurance quotes, there are several ways to compare prices from local Nashville auto insurance companies. One of the best ways to find cheaper Volkswagen Beetle rates is simply to get online rate quotes.
Just keep in mind that comparing more prices helps increase your odds of locating the best offered rates. Not every company does online rate quotes, so it’s important to also get prices on coverage from those companies, too.
The car insurance companies shown below are our best choices to provide price comparisons in Nashville, TN. To find the cheapest auto insurance in Nashville, we suggest you compare several of them in order to get a fair rate comparison.
Analysis of Volkswagen Beetle rates
The information shown next highlights a range of coverage prices for Volkswagen Beetle models. Learning how auto insurance prices are determined can be of help when making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $176 | $372 | $332 | $20 | $100 | $1,000 | $83 |
| Beetle 2-Dr Convertible | $228 | $440 | $258 | $16 | $78 | $1,020 | $85 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in specific Nashville garaging location which can alter premiums greatly.
Can higher deductibles save money?
When buying insurance, a common question is which comprehensive and collision deductibles to buy. The comparisons below determine the differences in premium rates when you buy lower versus higher policy deductibles. The first rate estimation uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $216 | $448 | $246 | $14 | $74 | $1,023 | $85 |
| Beetle 2-Dr Convertible | $280 | $528 | $190 | $12 | $58 | $1,093 | $91 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $120 | $236 | $246 | $14 | $74 | $690 | $58 |
| Beetle 2-Dr Convertible | $156 | $278 | $190 | $12 | $58 | $694 | $58 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Table data does not factor in specific zip code location which can alter prices considerably.
We can derive from the above data that using a $100 deductible will cost you about $30 more each month or $360 annually than quoting the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 30 months between claims, you would save money if you decide on a higher deductible. The table below illustrates how you can decide this on your own policy.
| Average monthly premium for $100 deductibles: | $88 |
| Average monthly premium for $1,000 deductibles (subtract): | – $58 |
| 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 thing to remember is that higher deductibles results in having to pay to pay more out-of-pocket when you do file a claim. You need some extra funds in order to pay the higher deductible in order to repair your vehicle.
The illustration below shows how choosing a deductible and can increase or decrease Volkswagen Beetle insurance costs for different ages of insureds. The information is based on a married male driver, full coverage, and no discounts are factored in.
Three good reasons to insure your Beetle
Even though Nashville Beetle insurance rates can get expensive, maintaining insurance may be mandatory for several reasons.
- The majority of states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability coverage if you drive a vehicle. In Tennessee these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you have a lien on your Beetle, it’s most likely the lender will require you to have full coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank may buy a policy for your Volkswagen at a significantly higher premium and require you to reimburse them much more than you were paying before.
- Car insurance preserves both your car and your personal assets. It also can pay for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability coverage also covers legal expenses if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will cover the repair costs.
The benefits of buying enough insurance greatly outweigh the cost, especially when you need to use it. In a recent study of 1,000 drivers, the average customer overpays more than $810 a year so smart consumers compare quotes each time the policy renews to make sure the price is not too high.
Components of Your Volkswagen Beetle Insurance Costs
Many things are part of the calculation when quoting car insurance. Some factors are common sense such as your driving record, but other factors are less obvious like where you live or your vehicle rating.
The items below are some of the things that factor into prices.
What are good liability insurance limits? – Your policy’s liability coverage will protect you if ever a court rules you are at fault for damages caused by your negligence. It will provide legal defense which can cost thousands of dollars. Liability insurance is pretty cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
Gender and insurance rates – Over the last 50 years, statistics have shown females are less aggressive when driving. This data doesn’t prove that males are worse at driving than females. Females and males tend to get into at-fault accidents in similar percentages, but males tend to have higher claims. Not only that, but men also get higher numbers of serious violations such as DWI and reckless driving. Youthful male drivers have the highest risk to insure so it costs more to insure them.
The example below compares Volkswagen Beetle insurance costs for male and female drivers. The costs are based on no claims, a clean driving record, full coverage, $500 deductibles, drivers are single, and no discounts are applied to the premium.
Teenage drivers cost more – Youthful drivers in Tennessee are statistically proven to be inattentive and easily distracted behind the wheel therefore car insurance rates are much higher. Mature drivers are viewed as being more responsible, cause fewer claims and accidents, and receive fewer citations.
The chart below is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.
Credit history impacts prices – Having a bad credit history is likely to be a major factor in determining what you pay. If your credit is lower than you’d like, you could potentially save money when insuring your Volkswagen Beetle by improving your rating. People that have high credit scores tend to be more responsible as compared to drivers with worse credit.
Get hitched and pay lower prices – Walking down the aisle helps lower the price on your car insurance bill. It usually means you are less irresponsible and insurance companies reward insureds because married couples file fewer claims.
Raising deductibles saves money – Protection for physical damage, also called ‘full coverage’, covers your vehicle from damage. Some coverage claims could be a broken side mirror, flood damage, and damage caused by flying debris. Your deductibles define how much you are required to spend out-of-pocket before your car insurance pays a claim. The more expense you have to pay, the bigger discount you will receive.
Premiums increase with driving tickets – Drivers who don’t get tickets get better rates than people who have multiple driving citations. Just one driving citation may increase your cost by twenty percent. Drivers unfortunate enough to have dangerous violations such as reckless driving or DUI may be required to prove financial responsibility with the DMV in their state in order to prevent their license from being revoked.
The example below demonstrates how traffic citations and at-fault claims raise Volkswagen Beetle insurance rates for different age categories. The prices are based on a single male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.
Insurance loss statistics a Volkswagen Beetle – Insurers analyze historical claim data when they calculate premium rates for each model. Vehicles that tend to have higher number or severity of losses will have a higher premium rate.
The next table shows the actual insurance loss data for Volkswagen Beetle vehicles. For each coverage type, the statistical loss for all vehicles averaged together is considered to be 100. Numbers under 100 represent a good loss history, while numbers above 100 point to more frequent losses or an increased chance of larger losses than average.
| Specific Volkswagen Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Volkswagen Beetle | 101 | 93 | 101 | 85 | 95 | 101 |
| Volkswagen Beetle Convertible | 85 | 78 | 95 | 76 | 89 | 79 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Take policy discounts and save on Volkswagen Beetle insurance in Nashville
Some providers don’t always advertise their entire list of discounts in a way that’s easy to find, so below is a list a few of the more well known and also the lesser-known credits available to bring down your rates. If you check and find you aren’t receiving every discount available, you’re paying more than you need to.
- Government Employees – Active or retired federal employment could provide a small rate reduction with a few auto insurance companies.
- No Claims – Drivers with accident-free driving histories pay much less as compared to bad drivers.
- Theft Deterrent Discount – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
- Auto/Home Discount – If you can combine your homeowners and auto policy with one company you could earn a discount of over 10 percent off each policy depending on the company.
- Auto/Life Discount – Some insurance carriers give better prices if you take out some life insurance too.
- Driver Safety – Participating in a defensive driving course could save 5% or more depending on where you live.
- Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in high school.
- Passive Restraints and Air Bags – Options like air bags and/or automatic seat belt systems can get savings of more than 20%.
Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, companies don’t profit that way.
The example below compares Volkswagen Beetle premium costs with and without some available policy discounts. Data assumes a female driver, no driving violations, no at-fault accidents, Tennessee state minimum liability limits, comp and collision included, and $250 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, multi-policy, and safe-driver discounts applied.
For a list of insurers who offer cheap Volkswagen Beetle insurance quotes in Nashville in Nashville, click this link.
Car insurance can be complex
Always keep in mind that when comparing coverage online or from an agent for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different.
Here are some questions about coverages that may help you determine whether your personal situation might need an agent’s assistance.
- What is no-fault insurance?
- What if I don’t agree with a claim settlement offer?
- Is pet coverage available?
- Is rental equipment covered for theft or damage?
- At what point should I drop full coverage?
- What is UM/UIM insurance?
- Am I covered when driving in Canada or Mexico?
- Does having multiple vehicles earn me a discount?
If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form.
Car insurance is available from your local insurance agencies
Some consumers would rather buy from a licensed agent and there is nothing wrong with that. The biggest benefit of price shopping on the web is you may find the lowest rates and also buy local.
After filling out this form (opens in new window), the quote information is emailed to insurance agents in Nashville who will return price quotes for your business. It’s much easier because you don’t need to find an agent because quoted prices will be sent to the email address you provide. You can get cheaper car insurance rates and a licensed agent to talk to. If you need to get a rate quote for a specific company, you would need to visit that company’s website and give them your coverage information.
Picking an company requires more thought than just the bottom line cost. You should also get answers to these questions.
- What are their preferred companies if they are an independent agency?
- Do the agents have professional certifications like CPCU or CIC?
- What company holds the largest book of business for them?
- Is the agent and/or agency licensed to do business in Tennessee?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Which companies can they place coverage with?
- Can they provide you with a list of referrals?
- Will their companies depreciate repairs to your car based on the mileage?
The following are agents in Nashville that may be able to provide comparison quotes for Volkswagen Beetle insurance in Nashville.
- GEICO Insurance Agent
14981 Old Hickory Boulevard – Nashville, TN 37211 – (615) 376-2969 – View Map - Goldstein Insurance Agency
125 #203b Suite, 102 Belle Forest Cir – Nashville, TN 37221 – (615) 673-2727 – View Map - Nationwide Insurance: Gaffney Insurance Agency and Financial Services LLC
946 Jefferson St #103 – Nashville, TN 37208 – (615) 733-3133 – View Map - Adam Darby – State Farm Insurance Agent
7041 Hwy 70 S #101 – Nashville, TN 37221 – (615) 869-7600 – View Map
Ratings for Tennessee auto insurance companies
Finding a good quality auto insurance provider is difficult considering how many different companies insure vehicles in Tennessee. The company information shown next may help you select which car insurance companies you want to consider comparing rates with.
Top 10 Nashville Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Top 10 Nashville Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Smart consumers save more
Discount Volkswagen Beetle insurance in Nashville can be found online in addition to many Nashville insurance agents, and you should compare rates from both to have the best rate selection. Some companies do not offer rate quotes online and these small insurance companies only sell coverage through independent agents.
When searching for the cheapest Volkswagen Beetle rate quotes, never reduce coverage to reduce premium. There have been many cases where consumers will sacrifice collision coverage only to regret that they should have had better coverage. The proper strategy is to buy enough coverage for the lowest cost, not the least amount of coverage.
We’ve covered some good ideas how you can save on Volkswagen Beetle insurance in Nashville. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even be surprised to find that the lowest car insurance rates are with a smaller regional carrier.
Additional information
- Child Safety Seats (Insurance Information Institute)
- What Car Insurance is Cheapest for a Nissan Sentra in Nashville? (FAQ)
- Who Has the Cheapest Nashville Auto Insurance Rates for Drivers Over Age 70? (FAQ)
- Who Has the Cheapest Nashville Auto Insurance for a Jeep Wrangler? (FAQ)
- Who Has Affordable Nashville Car Insurance Rates for Drivers Under 21? (FAQ)
- How Much is Car Insurance for Welfare Recipients in Nashville? (FAQ)
- How Much is Nashville Auto Insurance for 18 Year Olds? (FAQ)
- Who Has Cheap Nashville Car Insurance Rates for a Kia Forte? (FAQ)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Vehicle Insurance (Wikipedia)