Volkswagen Beetle Insurance Rates in San Jose

Insurance rates Volkswagen Beetle in San JoseUnimaginable but true, almost 70% of insureds have bought insurance from the same company for more than four years, and 38% of customers have never compared rates with other companies. Drivers in San Jose could cut their rates by almost 35% a year, but they don’t know the amount of savings they would get if they moved their coverage to a different company.

To save the most money, the best way to get budget Volkswagen Beetle insurance is to make a habit of regularly comparing prices from insurance carriers that sell auto insurance in San Jose. Prices can be compared by following these guidelines.

  1. Get a basic knowledge of what is in your policy and the measures you can take to keep rates down. Many rating factors that cause rate increases like traffic citations and an unacceptable credit history can be improved by paying attention to minor details.
  2. Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like GEICO and Allstate, while independent agents can provide rate quotes from multiple sources. View a list of agents
  3. Compare the price quotes to your existing rates and determine if cheaper Beetle coverage is available. If you find a lower rate quote and decide to switch, ensure there is no coverage lapse between policies.
  4. Provide notification to your current company to cancel your current policy and submit payment along with a signed and completed policy application to the new insurer. Once the application is submitted, place the new certificate verifying proof of insurance in an accessible location in your vehicle.

A key point to remember is that you use similar limits and deductibles on every price quote and and to get prices from as many auto insurance providers as possible. This ensures the most accurate price comparison and a better comparison of the market.

Keep in mind that comparing all the rates in your area helps you find better pricing. Some insurance companies are not set up to provide online price quotes, so you should also compare price quotes from those companies as well.

The providers in the list below provide price comparisons in San Jose, CA. If multiple companies are shown, we suggest you get rate quotes from several of them to get the best price comparison.

Volkswagen Beetle insurance statistics and information

The coverage table shown below covers detailed analysis of rate quotes for Volkswagen Beetle models. Learning more about how rate quotes are formulated is important for you to make informed purchases.

Volkswagen Beetle Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $288 $564 $384 $22 $114 $1,372 $114
Beetle 2-Dr Convertible $374 $664 $298 $18 $90 $1,444 $120
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in vehicle garaging location which can change auto insurance rates noticeably.

Violations and accidents raise rates

The chart below illustrates how violations and accident claims raise Volkswagen Beetle insurance costs for different age groups. Data assumes a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

Smart Buyers Can Lower Their Insurance Costs

The best way to find cheaper insurance is to take a look at a few of the rating criteria that help determine the rates you pay for insurance. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that could result in better insurance rates. Lots of factors are taken into consideration when premium rates are determined. Most are fairly basic such as your driving history, although others are less apparent like your continuous coverage or your financial responsibility.

Discounts for auto and home policies – Lots of insurance companies will give a discount for people who have multiple policies with them, otherwise known as a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. If you currently are using one company, it’s still a good idea to get quotes from other companies to verify if the discount is saving money.There is a good possibility that you can find better rates by buying insurance from more than one company.

Big city or small town – Choosing to live in small towns and rural areas may provide you with better prices if you are looking for the lowest rates. Lower population translates into fewer accident claims and lower theft and vandalism rates. City drivers regularly have more road rage incidents and a longer drive to work. The longer drive time can result in more accidents.

How many miles do you drive? – The more you drive every year the more you’ll pay to insure your vehicle. Almost all companies rate vehicles partially by how you use the vehicle. Cars that do not get driven very much get more affordable rates than those used for commuting. Ask your agent if your insurance policy correctly shows the correct usage for each vehicle, because improper ratings can cost you money. Having an incorrect usage rating on your Beetle can result in significantly higher rates.

The type of car makes a difference – The type of car or truck you need insurance for makes a significant difference in determining your rates. Lower performance four cylinder passenger cars receive the most favorable rates, but there are many factors that impact the final cost.

The data below uses these assumptions: married male driver age 30, full coverage with $100 deductibles, and no discounts or violations. It compares Volkswagen Beetle car insurance rates compared to other makes and models that have different performance rating factors.

More stress means more cost – Occupations like judges, airline pilots, and accountants tend to have the highest rates due to intense work situations and lots of time spent away from family. Other careers like scientists, athletes and retirees pay lower than average rates.

Liability protection limits on your policy – Liability insurance kicks in when you are responsible for damages from an accident. Your liability coverage provides legal defense coverage to attempt to prove you were not liable. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.

Volkswagen Beetle claim data – Insurers use historical loss data to help calculate premium costs. Models that are shown to have a trend towards higher claims will have increased rates. The table below illustrates the historical loss data for Volkswagen Beetle vehicles.

For each coverage category, the loss probability for all vehicles compiled together is set at 100. Percentage numbers below 100 indicate a favorable loss history, while values that are 100 or greater indicate more frequent losses or statistically larger losses.

Volkswagen Beetle Insurance Loss Statistics
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 from for 2013-2015 Model Years

Auto insurance is not optional in California

Even though it’s not necessarily cheap to insure a Volkswagen in San Jose, auto insurance is required in California but it also protects you in many ways.

First, almost all states have mandatory liability insurance requirements which means you are required to carry a specific level of liability insurance if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your car has a lienholder, it’s most likely the lender will make it a condition of the loan that you carry insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender may insure your Volkswagen for a lot more money and require you to pay for the much more expensive policy.

Third, insurance protects not only your Volkswagen but also your financial assets. It will also pay for medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your Volkswagen gets damaged, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of carrying adequate insurance are without a doubt worth the cost, especially for larger claims. In a recent study of 1,000 drivers, the average customer overpays as much as $869 every year so it’s recommended you shop around at least once a year to ensure rates are competitive.