Are you sick of overpaying and want lower-priced Volkswagen Beetle insurance in Lincoln? Buying the cheapest Lincoln Volkswagen Beetle insurance quotes can be difficult for vehicle owners new to comparison shopping over the internet. With such a large number of companies competing online, how are vehicle owners able to have a chance to compare every one to find the lowest rates?
It’s easy to assume that car insurance companies don’t want you to compare rates. People who shop for lower rates are highly likely to switch to a new company because the odds are good of finding coverage at a more affordable price. A study showed that people who compared price quotes annually saved an average of $3,450 over four years as compared to drivers who never shopped around.
If finding the lowest price for car insurance is why you’re reading this, then knowing the best way to shop and compare coverage rates can make the process more efficient.
Pricing affordable car insurance policy in Lincoln can be fairly easy. Virtually every car owner who requires lower cost car insurance will most likely be able to find lower rates. Although Nebraska drivers must know the methods companies use to determine what you pay because it can help you find the best coverage.
The method we recommend to compare rates for Volkswagen Beetle insurance in Lincoln is to realize almost all companies will pay a fee to provide you with a free rate quote. All consumers are required to do is provide details including if you have an active license, how many miles driven, your education level, and how old drivers are. Your insurance information is instantly submitted to many different companies and they return rate quotes within a short period of time.
To start a rate quote now, click here and see if a lower rate is available in Lincoln.
The providers in the list below offer free rate quotes in Lincoln, NE. If you wish to find the best car insurance in Lincoln, it’s highly recommended you get prices from several of them to find the cheapest auto insurance rates.
Coverage information
The table below covers a range of insurance premium costs for Volkswagen Beetle models. Being more informed about how insurance prices are determined can benefit drivers when making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $196 | $382 | $260 | $16 | $78 | $932 | $78 |
| Beetle 2-Dr Convertible | $254 | $450 | $202 | $12 | $60 | $978 | $82 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in specific location which can increase or decrease coverage rates greatly.
Physical damage deductibles
When comparing car insurance rates, the most common question is at what level do you set your deductibles. The figures shown below illustrate the rate difference between low and high coverage deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $202 | $390 | $254 | $16 | $76 | $963 | $80 |
| Beetle 2-Dr Convertible | $262 | $460 | $198 | $12 | $60 | $1,017 | $85 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $164 | $314 | $254 | $16 | $76 | $824 | $69 |
| Beetle 2-Dr Convertible | $212 | $370 | $198 | $12 | $60 | $852 | $71 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in specific garaging location which can affect premium rates substantially.
Based on these figures, using a $250 deductible costs an average of $13 more each month or $156 for a full year than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at least 19 months between claim filings, you would probably come out ahead by going with a higher deductible.
The diagram below shows how choosing a deductible and can impact Volkswagen Beetle yearly insurance costs for different insured age categories. The rate quotes are based on a married male driver, comp and collision included, and no discounts are taken into consideration.
Should you buy full coverage?
The diagram below illustrates the difference between Volkswagen Beetle auto insurance rates with full coverage compared to only the Nebraska minimum liability coverage. The rates are based on a clean driving record, no claims, $250 deductibles, drivers are not married, and no discounts are applied.
When to drop comp and collision
There is no clear-cut rule for excluding physical damage coverage, but there is a guideline you can consider. If the annual cost of having full 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 replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after paying your policy deductible. If you are paying more than $700 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.
There are a few situations where dropping physical damage coverage is not financially feasible. If you still owe a portion of the original loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not opt for liability only.
Insurance in Nebraska serves several purposes
Even though Lincoln Beetle insurance rates can get expensive, buying insurance is required in Nebraska but also provides important benefits.
First, most states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability protection if you want to drive legally. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your Volkswagen Beetle, more than likely the lender will require you to have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may insure your Volkswagen for a lot more money and force you to reimburse them for it.
Third, insurance protects not only your vehicle but also your assets. It will also cover hospital and medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of having insurance definitely exceed the price paid, particularly if you ever have a claim. Today the average American driver is currently overpaying as much as $810 a year so compare rate quotes once a year at a minimum to be sure current rates are still competitive.
Get affordable Volkswagen Beetle insurance in Lincoln with discounts
Insurance can be pricey, but companies offer discounts that many people don’t even know exist. Certain credits will be shown at the time you complete a quote, but less common discounts must be specifically requested prior to getting the savings.
- Switch and Save Discount – Some insurance companies provide a discount for switching companies early. It can save you around 10%.
- Multi-line Discount – If the company offers life insurance, you could get lower premium rates if you buy life insurance from them.
- Responsible Driver Discounts – Insureds who avoid accidents may receive a discount up to 45% than drivers with accidents.
- Student Discounts – Being a good student could provide a savings of up to 20% or more. This discount can apply until age 25.
- Low Miles Discount – Low annual miles can earn substantially lower premium rates.
- ABS Braking Discount – Cars and trucks that have steering control and anti-lock brakes prevent accidents and the ABS can save up to 10%.
- College Student Discount – Kids who attend college more than 100 miles from Lincoln and leave their car at home can receive lower rates.
- Home Ownership Discount – Owning your own home or condo may trigger a policy discount on insurance because of the fact that having a home requires a higher level of personal finance.
- No Claims – Drivers who don’t have accidents can save substantially compared to drivers who are more careless.
- Passenger Safety Discount – Vehicles with factory air bags can get savings of 20% or more.
It’s important to understand that many deductions do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way.
The chart below shows the comparison of Volkswagen Beetle premium costs with and without discounts applied to the policy rates. The price estimates are based on a female driver, a clean driving record, no claims, Nebraska state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, claim-free, homeowner, and multi-policy discounts applied.
To see a list of insurance companies with discount insurance rates in Nebraska, click here.
Shop online but buy locally
A lot of people still like to buy from a licensed agent and that is a personal choice. One of the best bonuses of getting online price quotes is that drivers can save money and get better rates but also keep your business local. Buying from and supporting local insurance agents is especially important in Lincoln.
To find an agent, once you fill out this short form, your coverage information is emailed to agents in your area who will give competitive quotes to get your business. You won’t even need to find an agent on your own due to the fact that quote results will go instantly to you. You can find better rates without having to waste a lot of time. If you want to get a comparison quote from a specific insurance provider, you just need to navigate to their website and give them your coverage information.
If you need to find a reputable insurance agent or broker, you must know there are a couple types of insurance agents that you can choose from. Insurance agencies in Lincoln can be categorized as either exclusive agents or independent agents.
Independent Insurance Agencies
Independent insurance agents are not required to write business for one company and that gives them the ability to insure with multiple insurance companies depending on which coverage is best. If you are not satisfied with one company, they simply move the coverage in-house and you won’t have to switch agencies.
When comparing insurance rates, you should always compare quotes from a few independent agents in order to have the best price comparison. Many write coverage with smaller regional carriers which can be an advantage.
Shown below is a small list of independent agents in Lincoln who can help you get price quote information.
- Cornhusker Insurance Agency
6100 Apples Way #110 – Lincoln, NE 68516 – (402) 436-2423 – View Map - Davidson Insurance
5101 N 27th St – Lincoln, NE 68521 – (402) 465-1167 – View Map - AMS Insurance Center
120 S 29th St – Lincoln, NE 68510 – (402) 476-3599 – View Map
Exclusive Insurance Agents
These type of agents write business for a single company like State Farm or Allstate. These agents are not able to shop your coverage around so they are skilled at selling on more than just price. Exclusive agencies are well trained on sales techniques which helps them compete with independent agents. Consumers often choose to use an exclusive agent primarily because of the brand legacy rather than having low rates.
Listed below is a list of exclusive insurance agencies in Lincoln willing to provide price quotes.
- Allstate Insurance: Darryl Moore
7111 A St #103 – Lincoln, NE 68510 – (402) 413-7111 – View Map - State Farm: Genny Noerrlinger
6710 L St #110 – Lincoln, NE 68510 – (402) 488-7855 – View Map - Allstate Insurance: Erik Brooks
1600 Normandy Ct #110 – Lincoln, NE 68512 – (402) 261-3959 – View Map
Choosing the best insurance agency requires more thought than just a cheap price. Agents should be asked these questions:
- How much will you save each year by using a higher deductible?
- Will you work with the agent or an assistant?
- How long has the business existed?
- How many companies do they write for?
- What is the agency’s Better Business Bureau rating?
- Does the agent recommend any additional coverage?
- How are claims handled?
- Will you get a loaner vehicle if you car is being repaired?
Upon receiving answers to your satisfaction to these questions as well as the cheapest Volkswagen Beetle insurance in Lincoln quotes, you have narrowed it down to an insurance agency that is reliable enough to service your policy. Keep in mind you have the power to terminate your policy at any time so don’t think that you’re stuck with a policy for the full term.
Parts of your auto insurance policy
Knowing the specifics of your policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.
Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Volkswagen Beetle.
Since many Nebraska drivers only purchase the least amount of liability that is required (25/50/25), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.
Collision coverage – This pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for claims such as scraping a guard rail, colliding with a tree, colliding with another moving vehicle, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible on your Beetle to save money on collision insurance.
Auto liability insurance – Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability insurance covers claims like medical services, emergency aid, funeral expenses, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible. Nebraska state minimum liability requirements are 25/50/25 but drivers should carry more liability than the minimum.
The illustration below shows why buying the state minimum limits may not provide you with enough coverage.
Medical expense insurance – Med pay and PIP coverage provide coverage for bills such as EMT expenses, nursing services, ambulance fees and X-ray expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible
Comprehensive (Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like rock chips in glass, falling objects, a tree branch falling on your vehicle and hail damage. The most your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Cheaper car insurance is a realistic goal
People who switch companies do it for any number of reasons including lack of trust in their agent, not issuing a premium refund, an unsatisfactory settlement offer or high prices. It doesn’t matter what your reason, choosing a new company can be easy and end up saving you some money.
Cheap Volkswagen Beetle insurance in Lincoln is available both online and with local Lincoln insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers don’t offer the ability to get a quote online and usually these small, regional companies provide coverage only through independent agents.
While you’re price shopping online, you should never sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your objective should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.
Steps to finding better rates for Volkswagen Beetle insurance in Lincoln
If saving money is your primary concern, then the best way to get low-cost Volkswagen Beetle insurance is to regularly compare price quotes from different companies in Lincoln. You can compare prices by following these steps.
First, spend some time learning about auto insurance and the measures you can take to prevent high rates. Many policy risk factors that drive up the price such as at-fault accidents, careless driving, and a negative credit history can be amended by being financially responsible and driving safely.
Second, compare rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from one company like Progressive or Allstate, while independent agents can quote rates from multiple sources.
Third, compare the new rate quotes to your existing policy to see if a cheaper price is available. If you can save some money and decide to switch, ensure coverage does not lapse between policies.
One tip to remember is that you’ll want to make sure you compare the same level of coverage on every price quote and and to analyze every company you can. This ensures a level playing field and a thorough selection of prices.
Additional detailed information can be found at these sites:
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Who Has Cheap Lincoln Car Insurance for a Nissan Sentra? (FAQ)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)