Insurance quote for Volkswagen Beetle in Fort CollinsHow many times have you said it's time to compare low-cost insurance rates in Fort Collins, CO? Fort Collins shoppers have many options when shopping for affordable Volkswagen Beetle insurance. They can either waste time driving around getting price quotes or utilize the internet to compare rates. There is a better way to shop for insurance and we'll show you the absolute fastest way to get price quotes on a Volkswagen and obtain the best price possible from Fort Collins insurance agents and online providers.

Locating the most cost-effective insurance policy in Fort Collins is quite easy. If you're already insured, you will most likely be able to find the best rates using these techniques. Comparison shoppers just have to learn the best way to compare rates online.

Cheapest car insurance in Fort Collins, CO

The providers in the list below can provide price quotes in Colorado. If multiple providers are shown, we recommend you visit as many as you can to find the cheapest car insurance rates.

Volkswagen Beetle Insurance Price Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $162 $354 $404 $24 $120 $1,064 $89
Beetle 2-Dr Convertible $276 $534 $312 $18 $94 $1,234 $103
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rate information does not factor in specific Fort Collins garaging location which can increase or decrease price quotes considerably.

Does full coverage make sense?

The information below illustrates the comparison of Volkswagen Beetle insurance costs when comparing full coverage to state minimum liability only. The data assumes no driving violations, no at-fault accidents, $500 deductibles, married female driver, and no other discounts are factored in.

Guidelines for dropping full coverage

There is no exact formula to eliminate comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of replacement cost minus your deductible, then it's probably a good time to buy liability coverage only.

For example, let's pretend your Volkswagen Beetle claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $7,000 after you pay the deductible. If it's costing in excess of $700 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some scenarios where dropping physical damage coverage is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Deductible comparison

The example below shows how choosing a deductible and can increase or decrease Volkswagen Beetle premium costs for each different age category. Data assumes a married female driver, full physical damage coverage, and no discounts are applied to the premium.

Higher deductibles lower rates

A question often asked by Fort Collins drivers is how low should you set your deductibles. The following insurance rates lay out the rate difference when you select higher and lower comp and collision deductibles. The first rate estimation uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Volkswagen Beetle insurance policy 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 policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $146 $288 $298 $18 $90 $840 $70
Beetle 2-Dr Convertible $190 $340 $232 $14 $70 $846 $71
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in vehicle location which can affect prices greatly.

Using the premium rates above, we can conclude that using a $100 deductible will cost you roughly $36 more each month or $432 annually than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 25 months between claims, you would probably save some money if you decide on a higher deductible. Here is an example of how you can do this calculation yourself.

Average monthly premium for $100 deductibles: $107
Average monthly premium for $1,000 deductibles (subtract): - $71
Monthly savings from raising deductible: $36
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $36
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

Earn discounts on Fort Collins car insurance

Car insurance can be pricey, but there may be some discounts that may help make it more affordable. Certain discounts will be applied at quote time, but some discounts are required to be asked about prior to receiving the credit.

It's important to note that many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like it's possible to get free car insurance, you won't be that lucky.

A few popular companies and some of the discounts are included below.

If you need low cost Fort Collins car insurance quotes, ask all companies you are considering the best way to save money. Discounts may not apply to policyholders in Fort Collins.

Auto insurance quotes from local Fort Collins insurance agencies

Many drivers still prefer to get professional advice from a licensed agent and doing so can bring peace of mind Most agents are trained to spot inefficiencies and give you someone to call. One of the great benefits of comparing rate quotes online is you may find lower prices but still work with a licensed agent.

Find insurance agent in Fort CollinsTo find an agent, once you fill out this simple form, your insurance coverage information is sent to companies in Fort Collins who will return price quotes to get your business. You don't have to contact an agency because prices are sent instantly to you. If for some reason you want to get a price quote from one company in particular, you just need to search and find their rate quote page and give them your coverage information.

Choosing the best insurance company is decision based upon more than just the price. Ask your prospective agent these questions:

Two types of Fort Collins car insurance agents

When searching for a local insurance agency, it's helpful to know the different types of agencies and how they can write your policy. Fort Collins agents can be categorized as either independent agents or exclusive agents. Both types of agents can do a good job, but it is important to understand the difference between them since it may influence the type of agent you choose.

Exclusive Insurance Agents

Exclusive insurance agents can only write with one company such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot provide prices from multiple companies so always compare other rates. Exclusive insurance agents receive a lot of sales training on their products and sales techniques which helps them sell on service rather than price. Some people will only buy from exclusive agents primarily because of the prominent brand name instead of buying on price only.

Below is a list of exclusive agents in Fort Collins that are able to give price quotes.

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Independent Auto Insurance Agencies

These type of agents are not required to write business for one company so they can write business with an assortment of companies enabling the ability to shop coverage around. If they find a lower price, they simply move your policy to a different company and you don't have to switch agencies. When comparing auto insurance prices, you will want to include rate quotes from several independent agencies so that you can do a thorough price comparison. Most independent agents also contract with lesser-known insurance companies which can save you money.

The following are independent insurance agents in Fort Collins that are able to give comparison quotes.

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More comparisons equals affordable rates

Insureds change insurance companies for many reasons like unfair underwriting practices, high prices, delays in responding to claim requests or extreme rates for teen drivers. It doesn't matter why you want to switch switching car insurance companies is not as hard as you think.

Low-cost Volkswagen Beetle insurance in Fort Collins is attainable both online and with local Fort Collins insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies don't offer internet price quotes and these regional carriers provide coverage only through independent agents.

In this article, we covered some good ideas how you can get a better price on Volkswagen Beetle insurance in Fort Collins. The key thing to remember is the more companies you get premium rates for, the better your comparison will be. You may even discover the best price on car insurance is with the least-expected company.

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