I doubt anyone anticipates paying for car insurance, especially when the cost is way too high.

Insurance for Volkswagen BeetleUnbelievably, nearly 70% of customers kept their coverage with the same car insurance company for more than four years, and nearly 40% of drivers have never shopped around. Many drivers in the United States could pocket up to 47% a year by just comparing rate quotes, but they assume it's a waste of time to compare other rate quotes. Many insurers compete for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to find the best price available on Volkswagen Beetle insurance in Aurora.

Consumers should take time to compare premium rates occasionally because prices change quite often. Even if you got the best deal on Volkswagen Beetle insurance in Aurora a couple years back there may be better deals available now. Forget anything you know (or think you know) about car insurance because we're going to demonstrate one of the best ways to find the best coverage while lowering your premiums.

Companies offering Volkswagen Beetle insurance in Colorado

The car insurance companies shown below have been selected to offer free quotes in Aurora, CO. If multiple providers are shown, it's highly recommended you get prices from several of them to find the lowest car insurance rates.

Volkswagen Beetle Insurance Rate Estimates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $204 $472 $338 $20 $102 $1,136 $95
Beetle 2-Dr Convertible $276 $534 $312 $18 $94 $1,234 $103
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate information does not factor in your specific Aurora location which can affect prices greatly.

Volkswagen Beetle insurance premiums by gender

The information below illustrates the comparison of Volkswagen Beetle insurance costs for male and female drivers. Data assumes no accidents or driving violations, full coverage, $100 deductibles, drivers are not married, and no additional discounts are factored in.

Where to set your deductibles

A question often asked by Aurora drivers is what deductibles to buy. The premium rates below may help to conceptualize the costs and benefits of buying low and high coverage deductibles. The first data set uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.

Volkswagen Beetle insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $264 $546 $298 $18 $90 $1,241 $103
Beetle 2-Dr Convertible $342 $644 $232 $14 $70 $1,327 $111
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Volkswagen Beetle insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $192 $368 $298 $18 $90 $966 $81
Beetle 2-Dr Convertible $250 $434 $232 $14 $70 $1,000 $83
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rates do not factor in specific zip code location which can modify premium rates greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs an average of $25 more each month or $300 each year than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally average more than 16 months between claims, you would come out ahead if you elect the higher deductible. The table below shows an example of how this decision is made.

Average monthly premium for $100 deductibles: $107
Average monthly premium for $500 deductibles (subtract): - $82
Monthly savings from raising deductible: $25
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

Should you raise deductibles?

The example below demonstrates how choosing different deductibles and can affect Volkswagen Beetle annual premium costs for each different age category. The premium estimates are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.

Learn How to Lower Your Insurance Prices

Consumers need to have an understanding of some of the factors that come into play when calculating the level of your policy premiums. When consumers understand what determines base rates, this enables informed choices that could help you find much lower annual insurance costs.

The following are some of the most rate-impacting factors that factor into prices.

Slash rates with these discounts on Volkswagen Beetle insurance in Aurora

Car insurance is not inexpensive, but you may find discounts that many people don't even know exist. A few discounts will automatically apply when you purchase, but lesser-known reductions have to be asked for prior to receiving the credit.Cheaper car insurance with discounts

We need to note that many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will cut the premium cost.

Some companies that may have these discounts include:

If you need lower rates, check with each company or agent the best way to save money. Some discounts listed above might not be available to policyholders in Aurora. To find companies with the best Volkswagen Beetle insurance discounts in Aurora, click here to view.

What if I want to buy from local Aurora car insurance agents?

A small number of people prefer to get professional advice from a licensed agent. Insurance agents are trained to spot inefficiencies and help in the event of a claim. One of the benefits of price shopping on the web is that you can obtain cheap rate quotes and still have an agent to talk to.

Insurance agents in AuroraUpon completion of this simple form, your insurance coverage information is emailed to local insurance agents who will give you bids for your insurance coverage. You don't have to search for an agent since rate quotes are delivered directly to you. If you wish to compare prices from a specific company, feel free to go to their quote page and fill out the quote form the provide.

Finding the right insurer requires you to look at more than just a cheap price. These are some valid questions you should ask.

Compare rates from both independent and exclusive car insurance agents

If you would like to find a local Aurora insurance agency, there are a couple of different types of agents from which to choose. Aurora agents are either exclusive or independent agents depending on their company appointments. Both sell affordable insurance policies, but we need to point out the difference in how they write coverage because it may have an impact on your agent selection.

Exclusive Insurance Agents

Exclusive agents can only place business with one company such as American Family, State Farm, and Allstate. Exclusive agents cannot compare other company's rates so if the price isn't competitive there isn't much they can do. Exclusive agencies receive a lot of sales training on the products they sell and that can be a competitive advantage.

The following is a short list of exclusive agencies in Aurora who may provide you with price quote information.

12100 E Iliff Ave #104 - Aurora, CO 80014 - (303) 755-3220 - View Map

18757 E Hampden Ave Ste 154 - Aurora, CO 80013 - (303) 792-3460 - View Map

13688 E Iliff Ave a - Aurora, CO 80014 - (720) 535-5506 - View Map

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Independent Agencies or Brokers

Agents that choose to be independent often have affiliation with several companies so they have the ability to put coverage with a variety of different insurance companies and potentially find a lower price. If they find a cheaper price, your policy is moved internally without you having to go to a different agency.

If you need cheaper insurance rates, we highly recommend that you include rate quotes from a couple of independent agencies for maximum quote selection.

The following are independent agents in Aurora that can give you rate quotes.

2222 S Fraser St Unit 4 - Aurora, CO 80014 - (303) 368-5839 - View Map

A Complete Auto Insurance Agency
543 Sable Blvd - Aurora, CO 80011 - (303) 650-0060 - View Map

4093 S Olathe Ct - Aurora, CO 80013 - (303) 693-1936 - View Map

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You can lower your car insurance rates

You just read a lot of tips how to lower your Volkswagen Beetle insurance auto insurance rates in Aurora. The most important thing to understand is the more companies you get premium rates for, the better chance you'll have of finding the cheapest Volkswagen Beetle rate quotes. You may even discover the lowest priced car insurance comes from a company that doesn't do a lot of advertising. Some small companies may only write in your state and offer lower premium rates than the large multi-state companies such as Progressive or GEICO.

The cheapest Volkswagen Beetle insurance in Aurora is available from both online companies as well as from insurance agents, so you should compare both to have the best selection. Some companies do not offer rate quotes online and usually these regional carriers only sell coverage through local independent agents.

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