Really, the only way to get budget Volkswagen Beetle insurance in Miami is to do a yearly price comparison from different companies in Florida. Prices can be compared by completing these steps.
- First, take a few minutes and learn about coverages and the things you can change to drop your rates. Many risk factors that result in higher rates such as distracted driving and a bad credit rating can be improved by making minor changes to your lifestyle.
- Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like Progressive or Allstate, while independent agents can quote prices for many different companies.
- Third, compare the new quotes to the premium of your current policy and see if you can save money. If you can save money and make a switch, make sure there is no lapse in coverage.
- Fourth, notify your current company to cancel your existing policy and submit a signed application and payment to the new company. Make sure you safely store the certificate of insurance in a readily accessible location in your vehicle.
The critical component of shopping around is to try to use the same amount of coverage on each quote request and and to get price estimates from as many different companies as possible. This guarantees the most accurate price comparison and a complete selection of prices.
It’s astonishing, but the vast majority of insurance customers have bought insurance from the same company for four years or more, and nearly 40% of drivers have never compared rates with other companies. With the average insurance premium being $2,200, Florida drivers could save roughly 55% a year by just comparing rate quotes, but most undervalue how much savings they would realize if they switched.
Cheap Miami insurance rates with discounts
Buying insurance is not cheap, but you may qualify for discounts that could help you make your next renewal payment. Some discounts will apply when you quote, but a few must be inquired about prior to receiving the credit.
- Accident-Free Discounts – Miami drivers who stay claim-free can save substantially as compared to accident-prone drivers.
- Auto/Life Discount – Not all insurance companies offer life insurance, but some may give you a break if you buy life insurance.
- Club Memberships – Belonging to qualifying clubs or civic groups is a simple method to lower premiums on your next renewal.
- Policy Bundle Discount – When you have multiple policies with one company you could earn a discount of nearly 15% which can help you find inexpensive Volkswagen Beetle insurance in Miami.
- Waiver for an Accident – This one is not really a discount per se, but a few companies such as Liberty Mutual, GEICO and Allstate may permit one accident without raising rates so long as you are claim-free before the accident.
- Theft Prevention System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and can earn a small discount on your policy.
- Student in College – College-age children living away from Miami attending college without a vehicle on campus can receive lower rates.
- Driver Training Discounts – Successfully completing a course in safe driver may get you a small discount and also improve your driving technique.
- Military Rewards – Having an actively deployed family member could trigger a small discount.
- Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you won’t be that lucky.
The chart below illustrates the comparison of Volkswagen Beetle auto insurance costs with and without policy discounts. The rates are based on a male driver, no claims or driving citations, Florida state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, safe-driver, multi-policy, homeowner, and multi-car discounts applied.
Insurance companies that may offer quotes with these money-saving discounts include:
Before you buy a policy, ask every prospective company how you can save money. Some of the earlier mentioned discounts may not apply in your area. To choose insurers with discount insurance rates in Florida, follow this link.
How to lower your Volkswagen Beetle insurance cost in Miami, FL
When looking for affordable Volkswagen Beetle insurance quotes, there are a couple ways to compare rate quotes from companies that offer auto insurance in Florida. The recommended way to comparison shop is to jump online and get quotes.
Keep in mind that comparing a wide range of rates increases the chance that you will find better pricing.
The companies shown below offer quotes in Miami, FL. If you want the best car insurance in Miami, we suggest you visit as many as you can in order to find the lowest rates.
Detailed insurance information
The rate information displayed next highlights estimates of policy rates for Volkswagen Beetle models. Learning as much as possible about how policy premiums are figured can be valuable when making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $270 | $614 | $460 | $28 | $138 | $1,510 | $126 |
| Beetle 2-Dr Convertible | $350 | $724 | $358 | $22 | $108 | $1,562 | $130 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Information does not factor in the specific area where the vehicle is garaged which can modify prices greatly.
Physical damage deductible comparison
The hardest decision when buying coverage is where should you set your physical damage deductibles. The comparison tables below can help illustrate the differences in price when you select higher and lower comp and collision deductibles. The first rate quote example uses a $100 comprehensive and collision deductible and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $312 | $648 | $354 | $20 | $106 | $1,465 | $122 |
| Beetle 2-Dr Convertible | $406 | $764 | $276 | $16 | $82 | $1,569 | $131 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $228 | $438 | $354 | $20 | $106 | $1,146 | $96 |
| Beetle 2-Dr Convertible | $296 | $516 | $276 | $16 | $82 | $1,186 | $99 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Prices do not factor in vehicle location which can influence rates considerably.
Based on the figures above, using a $100 deductible costs approximately $29 more each month or $348 a year than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 14 months between claims, you would probably be better off if you choose the higher deductible.
How to determine when to raise deductibles
| Average monthly premium for $100 deductibles: | $127 |
| Average monthly premium for $500 deductibles (subtract): | – $98 |
| Monthly savings from raising deductible: | $29 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $29 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
One big caveat is that increasing deductibles to save money means you will have to pay more out-of-pocket if you have a claim. That will necessitate enough money stashed away in the event you need to pay the deductible for vehicle repair.
The example below demonstrates how deductibles and can raise or lower Volkswagen Beetle yearly insurance costs for each age group. The rates are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
Tickets and at-fault accidents raise rates
The information below demonstrates how traffic citations and at-fault claims can impact Volkswagen Beetle yearly insurance costs for each different age category. The information is based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
Full coverage versus liability only rates
The diagram below illustrates the difference between Volkswagen Beetle insurance costs with liability coverage only compared to full coverage. The rates are based on no accidents or driving violations, $500 deductibles, single status, and no discounts are applied to the premium.
When to drop comprehensive and collision
There is no exact rule to exclude full coverage, but there is a general convention. If the yearly cost of comp and collision coverage is about 10% or more of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
For example, let’s assume your Volkswagen Beetle replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $3,000 after paying the physical damage deductible. If it’s costing in excess of $300 a year for full coverage, then it’s probably a good time to buy liability coverage only.
There are some circumstances where removing full coverage is not a good plan. If you haven’t satisfied your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.
Car insurance agents can give valuable advice
A small number of people would rather talk to an insurance agent and that can be a great decision One of the best bonuses of getting free rate quotes online is the fact that drivers can get lower rates but still work with a licensed agent. Buying from local agencies is still important in Miami.
By using this quick form, the quote information is immediately sent to insurance agents in Miami who will give competitive quotes to get your business. It simplifies rate comparisons since you won’t have to even leave your home because quoted prices will be sent directly to you. It’s the lowest rates and a licensed agent to talk to. If for some reason you want to compare rates from a specific auto insurance provider, you can always find their quoting web page and fill out the quote form the provide.
If you are wanting to find local Miami agents, you need to know there are two different agency structures and how they can quote your rates. Auto insurance agencies can be categorized as either exclusive or independent agents depending on their company appointments.
Independent Auto Insurance Agencies
Independent agencies are appointed with more than one company so they can quote policies with lots of companies and get the cheapest rates. If prices rise, they simply move your policy to a different company and you don’t have to do anything. When comparing rates, it’s recommended you get rate quotes from at a minimum one independent agency to ensure the widest selection of prices. Many write coverage with companies you’ve never heard of that may provide cheaper auto insurance rates.
Listed below is a small list of independent agencies in Miami that may be able to provide free auto insurance rate quotes.
- Miami Insurance Agency
3313 NW 7th St – Miami, FL 33125 – (305) 541-4553 – View Map - Latin American Association-Insurance Agency
2550 NW 72nd Ave #318 – Miami, FL 33122 – (305) 477-1442 – View Map - Eguino and Associates Insurance Agency, Inc.
7229 SW 24th St – Miami, FL 33155 – (305) 266-1700 – View Map
Exclusive Agencies
Agents that choose to be exclusive generally can only insure with one company and some examples include State Farm, Allstate, or Farmers Insurance. They are unable to place coverage with different providers so always compare other rates. They are very knowledgeable in insurance sales and that enables them to sell even at higher rates. A lot of people use the same agent mostly because of the brand legacy and solid financial strength.
Listed below is a short list of exclusive agents in Miami that are able to give price quote information.
- Clark Alvarado – State Farm Insurance Agent
5209 NW 36th St – Miami Springs, FL 33166 – (305) 887-9543 – View Map - Allstate Insurance: Ramon Balladares
2455 SW 27th Ave #210 – Miami, FL 33145 – (305) 859-8556 – View Map - State Farm: Carlos Luis
6001 Bird Rd – Miami, FL 33155 – (305) 663-2300 – View Map
Picking an insurance agency should depend on more than just the quoted price. These are some questions your agent should answer.
- Are they giving you every discount you deserve?
- Do they offer rental car reimbursement?
- Does the company have a local claim office in Miami?
- Can you get a list of referrals?
- Do they have designations such as AIC, CPCU, or CIC?
Best car insurance in Florida
Choosing a good quality insurer can be a challenge considering how many companies there are in Florida. The ranking information in the lists below may help you decide which car insurance companies you want to consider when comparing rate quotes.
Top 10 Miami Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Top 10 Miami Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Quote more to save more
Consumers switch companies for a number of reasons such as high prices, delays in paying claims, high rates after DUI convictions and even delays in responding to claim requests. Regardless of your reason, finding the right insurance provider is not as hard as you think.
Discount Volkswagen Beetle insurance in Miami can be sourced both online as well as from insurance agents, so you should compare both to have the best rate selection. There are still a few companies who may not provide the ability to get quotes online and most of the time these smaller companies sell through independent insurance agencies.
We just presented quite a bit of information on how to save on Volkswagen Beetle insurance in Miami. The key concept to understand is the more rate comparisons you have, the higher your chance of finding inexpensive Miami car insurance quotes. Consumers may even find the lowest prices come from the least-expected company.
To learn more, feel free to visit the articles below:
- Avoiding Deer Collisions (Insurance Information Institute)
- Who Has the Cheapest Miami Auto Insurance for a Ford Escape? (FAQ)
- What is the Cheapest Car Insurance in Miami, Florida? (FAQ)
- Who Has Affordable Auto Insurance for Active Military in Miami? (FAQ)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Child Safety FAQ (iihs.org)