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Volkswagen Car Insurance for More than Just the Beetle

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Things to Remember...
  • No matter what model of the Volkswagen you drive, you are required to get auto insurance if you want to drive legally in the United States
  • Factors such as your driving record, your place of residence, and your credit score all play a key role when determining your monthly rates
  • If you have a new car, an expensive car or have financed your auto purchase, you should ideally carry comprehensive and collision coverage

No matter what model of the Volkswagen (VW) you drive, you are required to get auto insurance if you want to drive legally in the United States.

Since auto insurance can be expensive depending on factors such as your driving record, your place of residence, and your credit score, finding a decent rate usually takes some research.

VW cars are known for their efficiency and easy handling. With its wide range of automobiles, VWs are very popular cars with drivers.

This might require some research since a recent Forbes magazine article, showed rather alarming increases in auto insurance rates across the country, in some cases as high as 10 percent between 2008 and 2010.

Start your search today for car insurance quotes when you enter your zip code into our FREE quote finder!

About Volkswagen

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A part of the global Volkswagen AG company, which is headquartered in Wolfsburg, Germany, Volkswagen Group of America has been operating in the United States for 55 years.

The global company has developed renowned brands that include:

  • Volkswagen
  • Audi
  • Bentley
  • Bugatti
  • Lamborghini
  • Porsche
  • SEAT
  • Skoda
  • Scania
  • Volkswagen Commercial Vehicles

The different models have been designed to meet all consumers’ tastes besides proving safety, quality, value, and performance. The auto company offers sedans, SUVs, compacts, minivans, convertibles, and wagons.

Drivers can opt for manual or automatic transmissions. For the environmentally conscious, you have the options of hybrids and TDI clean diesel.

Designed with German engineering, the Volkswagen cars are known for being fuel efficient and safe.

Some notable Volkswagen safety features include the anti-locking braking system, hydraulic brake assist, electronic stability control, airbag pressure sensors, and crash-optimized front end.

Such features should be factored into your insurance search for your Volkswagen and will likely lower your insurance costs.

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The Basics of Auto Insurance

Auto insurance is meant to protect you and your family from financial losses incurred because of an accident.

Whether you are at fault or not, auto insurance will likely shield you from catastrophic monetary penalties. Most states require its drivers to carry a certain amount of insurance.

For instance, the California Department of Motor Vehicles website states that CA drivers require a minimum liability insurance of $15,000 for individual injury/death per accident, $30,000 for injury/death of more than one individual per incident and $5,000 for property damage per incident.

While such numbers are deemed sufficient, most insurance experts agree that such limits are too low.

They suggest that drivers buy the maximum amount of insurance they can comfortably afford. The largely acceptable limits are $100,000 for bodily injury protection per person and $300,000 per accident.

So if you can afford it, insure your VW vehicles for the above-stated amount for your peace of mind!

Different Forms of Auto Insurance

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Whether you are zipping around in the VW Beetle, being a soccer mom or dad in a Jetta Sportwagen, or doing some smooth driving in the VW Eos convertible, you can choose from a range of insurance coverage that will keep you and your family safe.

Each form of coverage is calculated separately by the insurance company and might not be mandatory.

It is important that you check with your state’s Department of Motor Vehicles to find out what is mandatory insurance and the minimum amount required.

Some of the different forms of coverage that are available are explained in detail here.

Bodily injury liability covers the treatment costs of all bodily injury to the other drivers, passengers, or pedestrians hurt in the accident.

This form of liability coverage also covers expenses such as lost wages, at-home care, among others.

It also pays for legal fees in case you are sued. It is important that you get the maximum amount of coverage since these expenses can add up very quickly and you are left to pay for any amount that exceeds your coverage limit.

Property damage liability pays for repair and replacement of damaged property in any auto accident caused by you.

Personal injury protection is more popularly known by its abbreviation of PIP. This coverage pays for all medical and funeral expenses of the driver and his or her passengers.

Collision coverage is expected when you finance a car and is recommended if you drive a new or expensive car. It pays for repair or replacement of your car if it is damaged or totaled in an accident.

Its companion is comprehensive coverage which pays for all damages except for those caused by a collision.

It covers you if the damage is caused by Acts of God such as inclement weather, human errors such as runaway shopping carts, or criminal acts such as theft or vandalism.

According to MSNBC, one out of every six drivers on the road today is uninsured. Millions are underinsured.

Given this side effect of the poor economy, this Uninsured/Underinsured coverage is becoming increasingly important since it pays for damages caused by a crash with an at-fault uninsured or underinsured driver.

Calculating Auto Insurance Rates

Auto insurance calculations are complicated processes. Insurance companies have their own unique formula and use a range of factors to determine your insurance rates.

Some of the core factors are as follows:

  • Driving record – Drive your VW carefully. If your driver’s license has no points, tickets, or citations, you are likely to get a great rate. After all, a clean record indicates careful driving, which in turn makes you are a good risk for insurance companies. Make sure you talk to your teens about clean driving records. This will help keep the family auto insurance plan affordable
  • Automobile – If you are going to buy a new vehicle, check out some sites such as Forbes to get an indicator of how your choice of vehicle rates. Remember that your car, its model and year, as well as safety ratings from the Insurance Institute for Highway Safety matter in insurance calculations
  • Location – Your address is another factor. If you live in coastal cities prone to hurricanes, in the Tornado Alley or near a major fault line, you are likely to pay more. After all high incidence of disastrous weather translates into higher cost of repair and replacement for insurance companies. If you live in a big city, you will pay more than a rural driver. If you live in a high crime area, you are going to pay more since there are higher chances of car theft and vandalism
  • Demographics – Not surprisingly age, gender, and marital status are used in insurance calculations. Married women pay less than single women and men. Women overall pay less than men do, and drivers below the age of 25 invariably pay a lot more. These trends are based on statistical research that show that women drive more safely than men, younger people cause more accidents, and that married individuals are more responsible behind the wheel
  • Your credit rating – According to MyFICO, your credit rating helps insurance companies determine your ability to make timely payments. A high credit score indicates financial responsibility, which is rewarded by lower insurance rates

How to Lower Your Auto Insurance Rates

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As you look for a low-cost insurance policy for your VW vehicle, make sure you don’t cut it too close to the bone.

While the economy is pushing people to be frugal, it is advisable to keep as much auto insurance coverage as possible.

But there are many ways to minimize your insurance bills. One quick fix is to raise your insurance deductible.

The deductible is the amount you have to pay when an accident occurs before the insurance payments kick in.

Raise this amount to at least $1,000 if you can afford it. Make sure you have an emergency fund in case of an accident and drive carefully!

Another is to simply be a savvy comparison shopper. The Internet has allowed consumers to access multiple insurance companies online. So take advantage of this and look at competing companies for the best deal.

Don’t automatically renew your insurance policy. Shop around for better rates and discounts. Sometimes, insurance companies might price match with a competitor’s offer, especially if you have been a responsible customer and made timely payments.

Canceling comprehensive and collision coverage, when appropriate, is one place drivers of older vehicles can save some serious cash.

If you have a new car, an expensive car or have financed your auto purchase, you should ideally carry comprehensive and collision coverage.

If you are going to add your teenager to your policy, make sure they have all the driving courses done in time to get discounts.

Make sure they drive carefully and wear seatbelts at all times. A clean driving record will help lower your bill going forward.

Buying Automobile Insurance

Looking for auto insurance online can be stressful, given the multiple companies, discounts, and various forms of insurance.

If you are looking for the best insurance for your VW car, make sure you choose an established insurance company that has stellar financial ratings, good customer reviews, and outstanding claims processing records.

Click here to find the best auto insurance deals when you enter your zip code in our FREE rate finder today!

FREE Auto Insurance Comparison

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