Searching for cheaper Volkswagen Beetle insurance in Santa Ana? When looking for more affordable insurance, do you get frustrated by the crazy number of insurance companies available to you? Consumers have so many choices that it can really be a chore to find the perfect company for you. Everyone knows that Santa Ana has many things to offer, but the high cost of insurance makes it difficult to affordably insure vehicles.
Steps to finding more affordable Volkswagen Beetle insurance in Santa Ana
If you want to find the absolute lowest rates, then the best way to get more affordable Volkswagen Beetle insurance is to start comparing prices regularly from insurers that insure vehicles in Santa Ana.
- Step 1: Learn about how auto insurance works and the things you can control to keep rates down. Many risk factors that result in higher prices such as traffic violations and poor credit rating can be eliminated by improving your driving habits or financial responsibility. This article provides the details to help keep rates affordable and get discounts that may be available to you.
- Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like Progressive or Allstate, while independent agencies can quote rates from many different companies. Get quotes now
- Step 3: Compare the price quotes to your existing rates to see if cheaper Beetle coverage is available. If you find a lower rate and buy the policy, make sure there is no coverage gap between policies.
- Step 4: Tell your current company of your intention to cancel your current coverage. Submit any necessary down payment along with the completed application for your new coverage. Once the application is submitted, keep your new proof of insurance paperwork in your glove compartment.
The key thing to remember is to try to compare the same liability limits and deductibles on every quote request and and to get rate quotes from every company you can. This provides a fair rate comparison and the best price selection.
A recent insurance study discovered that about 70% of customers have remained with the same insurance company for at least four years, and about 40% of consumers have never even compared quotes to find lower-cost rates. Santa Ana insurance shoppers can save approximately $500 each year by just comparing rate quotes, but they just don't understand the big savings they would realize if they moved their coverage to a different company.
It's a good habit to shop coverage around before your policy renews because rates are variable and change quite frequently. Just because you had the lowest rate on Volkswagen Beetle insurance in Santa Ana a few years ago other companies may now be cheaper. You can search a lot of Beetle insurance on the web, but you can learn some of the best techniques to buy insurance cheaper in Santa Ana.
The majority of larger companies provide insurance quotes online. Comparing prices online for Volkswagen Beetle insurance in Santa Ana is fairly simple because it's just a matter of typing in your personal and coverage information as detailed in the form. After you complete the form, the quote system obtains information on your driving record and credit history and quotes a price determined by many factors.
The ability to get online rates for Volkswagen Beetle insurance in Santa Ana makes comparing rates easy, and it is important to do this in order to find a lower rate.
To save time and find out how much you're overpaying now, consider comparing rates from the companies shown below. If you have a policy now, it's recommended you copy your coverages as shown on your current policy. This makes sure you are getting an apples-to-apples comparison based on the exact same insurance coverage.
The following companies are our best choices to provide free quotes in California. If the list has multiple companies, it's a good idea that you click on several of them in order to get a fair rate comparison.
Analysis of Volkswagen Beetle rates
The coverage table shown below highlights detailed analysis of policy rates for Volkswagen Beetle models. Having insight into how insurance premiums are figured can be of help when making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $286 | $650 | $488 | $28 | $146 | $1,598 | $133 |
| Beetle 2-Dr Convertible | $370 | $766 | $380 | $22 | $114 | $1,652 | $138 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can alter prices substantially.
Physical damage deductibles: Should you raise them?
When shopping for insurance, a common question is at what level do you set your deductibles. The rates shown below may help you to understand the premium difference when you select higher and lower policy deductibles. The first set of rates uses a $250 deductible for physical damage and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $298 | $576 | $376 | $22 | $112 | $1,409 | $117 |
| Beetle 2-Dr Convertible | $386 | $678 | $292 | $18 | $88 | $1,487 | $124 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $184 | $362 | $376 | $22 | $112 | $1,056 | $88 |
| Beetle 2-Dr Convertible | $238 | $426 | $292 | $18 | $88 | $1,062 | $89 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Information does not factor in specific location which can change premiums significantly.
Based on these figures, using a $250 deductible will cost you roughly $32 more each month or $384 every year averaged for all Beetle models than selecting the higher $1,000 deductible. Because you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 23 months between claims, you would probably save some money if you elect the higher deductible.
How to calculate when to raise deductibles
| Average monthly premium for $250 deductibles: | $121 |
| Average monthly premium for $1,000 deductibles (subtract): | - $89 |
| Monthly savings from raising deductible: | $32 |
| Difference between deductibles ($1,000 - $250): | $750 |
| Divide difference by monthly savings: | $750 / $32 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
Reckless driving habits raise Santa Ana insurance rates
The example below shows how traffic citations and at-fault collisions increase Volkswagen Beetle insurance rates for different ages of insureds. The price estimates are based on a married female driver, full coverage, $1,000 deductibles, and no policy discounts are applied.
Does full coverage make sense?
The example below shows the comparison of Volkswagen Beetle auto insurance costs with liability coverage only compared to full coverage. The costs are based on no accidents, no driving violations, $250 deductibles, drivers are single, and no other discounts are factored in.
When to eliminate full coverage
There is no definitive rule that works best for making the decision to drop full coverage, but there is a general convention. If the annual cost of your full coverage insurance is about 10% or more of the settlement you would receive from your company, then you might consider buying liability only.
For example, let's assume 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 your company would pay you is $7,000 after paying the physical damage deductible. If you are paying over $700 a year for full coverage, the it may be a good time to stop paying for full coverage.
There are a few situations where eliminating full coverage is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not remove full coverage.
Which policy gives me the best coverage?
When quoting and comparing coverage online or from an agent, there really isn't a single plan that fits everyone. Everyone's situation is a little different and a cookie cutter policy won't apply.
These are some specific questions could help you determine if you would benefit from professional advice.
- Does my Volkswagen Beetle qualify for pleasure use?
- What does PIP insurance cover?
- Should I pay a claim out-of-pocket?
- What if an uninsured driver hits me?
- Should I have a commercial auto policy?
- Am I insured when driving a different vehicle?
- What is high-risk coverage and where do I buy it?
- Will my Volkswagen Beetle be repaired with OEM or aftermarket parts?
- Am I covered when driving on a suspended license?
- What can I do if my company won't pay a claim?
If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Insurance agencies can help
Many people still like to buy from a local agent and that is just fine! The biggest benefit of getting free rate quotes online is that you can obtain the best rates and still buy from a local agent.
To make it easy to find an agent, after completing this short form, your coverage information is immediately sent to participating agents in Santa Ana who will give you bids for your business. It simplifies rate comparisons since you won't have to search for any insurance agencies as quotes are delivered instantly to you. You'll get the best rates and a licensed agent to work with. If you want to quote rates from one company in particular, you just need to find their quoting web page and complete a quote there.
Choosing the best insurance company requires you to look at more than just a low price. Here are some questions you might want to ask.
- Does the company use OEM repair parts?
- What is their Better Business Bureau rating?
- Can you get a list of referrals?
- Does their agency support local causes in Santa Ana?
- Will high miles depreciate repair valuations?
- Will the agent help in case of a claim?
Different types of auto insurance agents in Santa Ana
When narrowing the list to find a reliable insurance agent, it's important to understand the different types of agents that you can select. Auto insurance agents can be categorized as either independent or exclusive depending on the company they work for.
Exclusive Agencies
These type of agents can only provide pricing for a single company such as Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to provide other company's prices so keep that in mind. Exclusive agents are very knowledgeable on their company's products which helps overcome the inability to quote other rates. Some consumers prefer to buy from exclusive agents mostly because of the brand rather than low price.
Listed below is a short list of exclusive agencies in Santa Ana willing to provide price quotes.
- Farmers Insurance - Jose Garrido
705 W 17th St, Ste B-2 - Santa Ana, CA 92706 - (714) 558-4814 - View Map - Farmers Insurance: Sandy Hocking-Cline
1801 Park Ct Pl - Santa Ana, CA 92701 - (714) 973-9100 - View Map - Farmers Insurance - Eduardo Machado
1701 N Main St Ste 180 - Santa Ana, CA 92706 - (714) 352-0700 - View Map
Independent Agents
Independent insurance agents are normally appointed by many insurers so they can insure your vehicles with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, the agent simply finds a different carrier and you stay with the same agent.
When shopping rates, you will want to include price quotes from several independent agencies to have the best price comparison. Many can place coverage with smaller companies that many times have cheaper rates.
Below are Santa Ana independent agencies that are able to give comparison quotes.
- Palmer Insurance and Income Tax
631 N Main St - Santa Ana, CA 92701 - (714) 835-0840 - View Map - Santa Ana Insurance
1331 W 1st St #101 - Santa Ana, CA 92703 - (714) 953-9341 - View Map - Barrett Insurance Agency
1438 S Main St - Santa Ana, CA 92707 - (714) 973-9999 - View Map