It takes a little time, but the best way to get affordable auto insurance rates in Henderson is to make a habit of comparing prices annually from providers who provide auto insurance in Nevada. Drivers can shop around by following these guidelines.
First, try to understand how insurance works and the things you can control to keep rates in check. Many policy risk factors that result in higher prices such as at-fault accidents, speeding tickets, and poor credit history can be rectified by improving your driving habits or financial responsibility. Later in this article we will cover information to prevent expensive rate increases and find additional discounts you may qualify for.
Second, request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like Progressive or Allstate, while independent agencies can give you price quotes from multiple companies.
Third, compare the new rate quotes to your current policy premium to see if a cheaper rate is available in Henderson. If you find a better price, ensure there is no coverage lapse between policies.
Fourth, give notification to your current company of your intention to cancel the current policy. Submit a down payment along with a signed application for the new coverage. Once received, place the new proof of insurance certificate in your glove compartment.
One thing to remember is to make sure you’re comparing identical deductibles and limits on each quote request and and to get rate quotes from as many carriers as you can. Doing this guarantees a fair price comparison and and a good selection of different prices.
A recent study showed that the vast majority of insurance customers kept their coverage with the same insurance company for well over three years, and nearly 40% of drivers have never shopped around. Drivers in Nevada could save 35% a year by just comparing quotes, but they don’t understand how simple it is to go online and compare rates.
The quickest way to get rate comparisons for Volkswagen Beetle insurance in Henderson is to know the fact car insurance companies pay for the opportunity to give you rate quotes. The only thing you need to do is give them some information such as which vehicles you own, how much school you completed, your occupation, and if it has an anti-theft system. That information is automatically sent to multiple top-rated companies and you will receive price estimates within a short period of time.
To start a rate quote now, click here then complete the form.
The auto insurance companies shown below provide price quotes in Nevada. If you want to find the cheapest car insurance in Nevada, we suggest you visit several of them in order to find the cheapest rates.
Volkswagen Beetle coverage statistics
The information shown next covers a range of rate quotes for Volkswagen Beetle models. Having knowledge of how auto insurance premiums are formulated is important for drivers to make decisions on which coverage to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Beetle S 2-Dr Hatchback||$110||$248||$296||$18||$88||$760||$63|
|Beetle 2-Dr Convertible||$142||$292||$230||$14||$68||$746||$62|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Information does not factor in specific zip code location which can decrease or increase premiums greatly.
The information below illustrates how choosing a deductible and can affect Volkswagen Beetle annual premium costs for different age groups of insureds. The premiums are based on a single female driver, comp and collision included, and no discounts are applied.
Rate comparison of male drivers versus female drivers
The chart below illustrates the difference between Volkswagen Beetle insurance premiums for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, single status, and no discounts are factored in.
Cost of full coverage
The information below compares Volkswagen Beetle insurance costs with liability coverage only compared to full coverage. The premiums assume no claims or driving violations, $1,000 deductibles, drivers are single, and no additional discounts are factored in.
When to stop buying full coverage
There is no definitive guideline to exclude physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Volkswagen Beetle replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $4,000 after the policy deductible has been paid. If you are paying over $400 a year to have full coverage, then you may need to consider dropping full coverage.
There are a few cases where buying only liability insurance is not in your best interest. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage.
Choosing the best Volkswagen vehicle insurance in Nevada is an important decision
Despite the high cost, insurance is required in Nevada but also provides important benefits.
First, just about all states have minimum liability requirements which means you are required to carry specific minimum amounts of liability protection if you drive a vehicle. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your vehicle, it’s most likely the lender will stipulate that you carry insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Volkswagen at a significantly higher premium and force you to pay for the much more expensive policy.
Third, insurance safeguards your car and your assets. It will also reimburse you for all forms of medical expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also covers legal expenses if anyone sues you for causing an accident. If your Volkswagen gets damaged, collision and comprehensive coverages will pay to repair the damage.
The benefits of carrying adequate insurance greatly outweigh the cost, particularly if you ever have a claim. The average driver in Nevada is overpaying over $865 each year so compare rates once a year at a minimum to help ensure money is not being wasted.
Specific coverage details
Having a good grasp of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are the normal coverages offered by insurance companies.
Collision – This coverage will pay to fix damage to your Beetle resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like damaging your car on a curb, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible on your Beetle to bring the cost down.
UM/UIM Coverage – This provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen Beetle.
Since many Nevada drivers only purchase the least amount of liability that is required (which is 15/30/10), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.
Coverage for liability – This coverage protects you from damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 15/30/10 which stand for a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and $10,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage protects against claims like bail bonds, funeral expenses, emergency aid and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford. Nevada requires drivers to carry at least 15/30/10 but you should think about purchasing higher limits.
The next chart shows why low liability limits may not provide you with enough coverage.
Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as theft, fire damage and vandalism. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Medical costs insurance – Med pay and PIP coverage pay for immediate expenses such as hospital visits, surgery and ambulance fees. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible
A conclusion for your insurance search
We just covered a lot of tips how to lower your Volkswagen Beetle insurance prices in Henderson. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with an unexpected company. These companies may often insure only within specific states and give better rates than their larger competitors like Progressive and GEICO.
When buying insurance coverage, never sacrifice coverage to reduce premiums. There have been many cases where an insured cut liability coverage limits only to regret that they should have had better coverage. Your focus should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.
For more information, feel free to visit these articles:
- Frontal Crash Tests (iihs.org)
- Who Has Affordable Henderson Auto Insurance for High Mileage Drivers? (FAQ)
- Who Has Affordable Henderson Car Insurance Quotes for Drivers Over Age 60? (FAQ)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Vehicle Insurance in the U.S. (Wikipedia)
- Booster Seat Ratings (iihs.org)
- Understanding Car Crashes Video (iihs.org)