Cheapest Rates for Volkswagen Beetle Insurance in Omaha

If you want to save money, the best way to find the cheapest price for Volkswagen Beetle insurance in Omaha is to regularly compare price quotes from different companies who sell insurance in Nebraska. You can compare rates by completing these steps.

An important note is to try to compare identical coverage information on each quote request and and to compare as many auto insurance providers as possible. Doing this helps ensure an apples-to-apples comparison and a good representation of prices.

Insurance for Volkswagen BeetleIt’s hard to fathom, but the vast majority of auto insurance customers kept their policy with the same company for four years or more, and practically 40% of auto insurance customers have never shopped around. Omaha insurance shoppers could pocket about 30% a year just by comparing rates, but they don’t believe how much savings they would realize if they swap their current policy for a cheaper one.

Finding quotes for the lowest cost policy in Omaha can be fairly easy. In essence, anyone who is required to buy auto insurance will probably be able to cut their insurance bill. Although Nebraska consumers can benefit by having an understanding of how insurance companies sell insurance online because rates fluctuate considerably.

Buy Omaha Volkswagen Beetle insurance online

When comparison shopping, obtaining a wide range of quotes helps increase your odds of locating the best rates. Not every company provides Omaha Beetle insurance quotes over the internet, so you should also compare price estimates on coverage from those companies, too.

The companies shown below are our best choices to provide price quotes in Nebraska. If your goal is to find the best car insurance in Nebraska, we recommend you click on several of them to get the best price comparison.

Detailed insurance information

The premium information displayed below highlights different insurance rates for Volkswagen Beetle models. Learning how insurance prices are established is important for making decisions when choosing a new policy provider.

Volkswagen Beetle Insurance Rates in Omaha, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $108 $240 $288 $18 $86 $740 $62
Beetle 2-Dr Convertible $138 $284 $224 $14 $66 $726 $61
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Table data does not factor in specific zip code location which can revise premiums significantly.

Deductible comparison

One frequently asked question is at what level do you set your deductibles. The figures shown below may help you to understand the rate difference when you buy lower versus higher physical damage deductibles. The first table uses a $250 deductible and the second price chart uses a $1,000 deductible.

Volkswagen Beetle insurance rates with $250 deductibles
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
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Volkswagen Beetle insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $124 $246 $254 $16 $76 $716 $60
Beetle 2-Dr Convertible $162 $290 $198 $12 $60 $722 $60
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Premium amounts do not factor in zip code location which can increase or decrease coverage prices substantially.

Based on the data above, we can derive that using a $250 deductible costs roughly $23 more each month or $276 annually than requesting the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 33 months between claim filings, you would probably come out ahead if you choose the higher deductible.

Safe drivers pay less for insurance

The illustration below shows how traffic citations and fender-benders can affect Volkswagen Beetle auto insurance costs for each different age group. The rates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

Insurance premiums by gender

The chart below visualizes the comparison of Volkswagen Beetle premium costs for male and female drivers. The information is based on no accidents or driving violations, full coverage, $250 deductibles, marital status is single, and no policy discounts are applied.

Volkswagen Beetle liability-only versus full coverage

The illustration below shows the difference between Volkswagen Beetle insurance rates with and without full coverage. The premiums are based on no claims or driving violations, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

When to drop comp and collision

There is no exact rule to stop paying for physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let’s pretend your Volkswagen Beetle settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $4,000 after paying your deductible. If it’s costing in excess of $400 annually for full coverage, then it’s probably a good time to buy liability coverage only.

There are a few situations where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Smart Consumers Know How to Quote Insurance Cheaper

Consumers need to have an understanding of the different types of things that play a part in calculating your insurance rates. When consumers understand what controls the rates you pay, this enables you to make decisions that can earn you better insurance rates. Many things are considered when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but other criteria are not quite as obvious such as whether you are married or your commute time.

The following are a partial list of the pieces utilized by car insurance companies to help set your premiums.

Car insurance liability insurance limits – The liability coverage on your policy is the protection when you are found liable for personal injury or accident damage. Your policy’s liability insurance provides for a legal defense which can cost a lot. Liability is cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.

Get cheaper costs after the wedding – Getting married actually saves money on your insurance policy. It means you’re more financially stable and insurance companies reward insureds because drivers who are married file infrequent claims.

Performance makes a difference – The performance of the vehicle you own makes a big difference in your auto insurance rates. Low performance passenger cars usually are quite affordable to insure, but many other things help determine your insurance rates.

The following data uses these assumptions: married female driver age 40, full coverage with $100 deductibles, and no discounts or violations. It shows Volkswagen Beetle rates compared to other makes and models that have a range of performance rating factors.

Better prices for being claim-free – Car insurance companies in Nebraska award cheaper rates to insureds who are not frequent claim filers. If you’re an insured who likes to file claims you can look forward to higher rates. Insurance coverage is intended to be relied upon for the large, substantial claims.

Lower rates with a multi-policy discount – Lots of insurance companies will award better rates to customers who have multiple policies with them. It’s known as a multi-policy discount. The discount can add up to five, ten or even twenty percent. Even if you already get this discount, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible. You may still save even more by buying insurance from a different company.

Always keep your insurance policy in place – Going without insurance is a fast way to pay more for insurance. Not only will you pay more, failure to provide proof of insurance might get you a revoked license or a big fine. You will then be forced to submit proof of financial responsibility or a SR-22 with the Nebraska DMV.

Volkswagen Beetle claim statistics – Insurers include the past claim history for a vehicle when they set coverage costs for each model. Models that the data shows to have a higher amount or frequency of claims will have higher rates for specific coverages. The table below demonstrates the historical insurance loss data for Volkswagen Beetle vehicles.

For each policy coverage, the statistical loss for all vehicles averaged together is set at 100. Numbers under 100 suggest a better than average loss history, while percentage numbers above 100 show a trend for more claims or a tendency for claims to be larger.

Car Insurance Loss Data for Volkswagen Beetle Models
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

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Why car insurance is not optional

Even though it’s not necessarily cheap to insure a Volkswagen in Omaha, insuring your vehicle is a good idea for several reasons.

First, almost all states have minimum liability requirements which means you are required to carry a minimum amount of liability coverage if you don’t want to risk a ticket. 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 your car has a loan, almost all lenders will require you to have full coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender may have to buy a policy to insure your Volkswagen at a more expensive rate and require you to reimburse them for the expensive policy.

Third, car insurance preserves both your car and your assets. It will also cover medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, also covers legal expenses if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to restore your vehicle to like-new condition.

The benefits of having insurance definitely exceed the price paid, particularly when you have a large claim. The average driver in Nebraska is overpaying more than $750 every year so compare rates every year to save money.