Volkswagen Beetle Insurance Rate Quotes in Lubbock

The best way we recommend to find cheaper quotes for auto insurance rates in Lubbock is to make a habit of regularly comparing prices from different companies who provide car insurance in Texas. You can compare prices by following these guidelines.

Step 1: Read and learn about what coverages are included in your policy and the steps you can take to lower rates. Many policy risk factors that drive up the price such as accidents, traffic violations, and a negative credit history can be controlled by improving your driving habits or financial responsibility.

Step 2: Request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like Progressive and State Farm, while independent agencies can provide price quotes for a wide range of companies.

Step 3: Compare the new rates to your current policy and see if you can save money. If you find a lower rate quote and buy the policy, verify that coverage does not lapse between policies.

One key aspect of rate comparisons is to use similar coverage information on every quote request and and to look at every insurance company. Doing this ensures a level playing field and a complete price analysis.

Insurance rates Volkswagen Beetle in LubbockAmazingly, almost 70% of drivers kept buying from the same company for more than four years, and just short of a majority have never even compared quotes to find cheaper rates. Lubbock consumers can save as much as 70% each year by just shopping around, but they think it’s difficult to find cheaper insurance by shopping around.

How to buy Lubbock Volkswagen Beetle insurance online

Keep in mind that more quotes increases the chance that you will find more affordable insurance. Not every company does Lubbock Beetle insurance quotes online, so it’s recommended that you also compare price estimates from them as well.

The companies shown below can provide quotes in Texas. If multiple companies are listed, we recommend you get prices from several of them to find the lowest car insurance rates.

Volkswagen Beetle insurance rate analysis

The premium table below covers a range of prices for Volkswagen Beetle models. Being able to understand how policy rates are calculated is important for drivers to make decisions when shopping your coverage around.

Volkswagen Beetle Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $246 $560 $422 $24 $126 $1,378 $115
Beetle 2-Dr Convertible $318 $660 $326 $20 $98 $1,422 $119
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price information does not factor in specific zip code location which can increase or decrease premium rates substantially.

The chart below illustrates how choosing a deductible and can affect Volkswagen Beetle insurance prices for each age group. The information is based on a married male driver, full physical damage coverage, and no discounts are applied.

Insurance rates by age and gender

The example below compares Volkswagen Beetle car insurance costs for male and female drivers. The prices are based on no violations or claims, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are factored in.

Cheap Lubbock insurance quotes with discounts

Some insurance providers don’t always list every discount very well, so the list below contains some of the best known and also the more inconspicuous credits that may apply to you.Cheaper insurance with discounts

Policy discounts save money, but some credits don’t apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, that’s just not realistic.

The illustration below shows the comparison of Volkswagen Beetle car insurance costs with and without discounts applied to the policy rates. The price estimates are based on a male driver, no claims, a clean driving record, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, homeowner, safe-driver, and multi-policy discounts applied.

Companies and some of the discounts are outlined below.

Before purchasing a policy, check with each company or agent how you can save money. Depending on the company, some discounts may not be available in your area. For a list of insurers that can offer you the previously mentioned discounts in Texas, click here to view.

Insurance is not optional

Despite the potentially high cost of Volkswagen Beetle insurance, buying insurance is required for several reasons.

The benefits of having insurance definitely exceed the price paid, especially if you ever need it. According to a survey of 1,000 drivers, the average driver is wasting up to $869 every year so it’s recommended you shop around once a year at a minimum to save money.

Ratings for Lubbock auto insurance companies

Ending up with a highly-rated company is hard considering how many choices there are in Texas. The company rank data listed below could help you pick which insurers to look at comparing rates from.

Top 10 Lubbock Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

When do I need an agent’s advice?

Keep in mind that when it comes to choosing adequate coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique.Higher deductibles save money

For instance, these questions might help in determining whether you might need an agent’s assistance.

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form.

Neighborhood insurance agents

Many people would rather get advice from a local agent and that can be a great decision One of the benefits of getting online price quotes is the fact that drivers can get better rates but still work with a licensed agent.

Find insurance agent in LubbockUpon completion of this quick form, the coverage information is emailed to local insurance agents in Lubbock who want to provide quotes for your auto insurance coverage. You don’t have to contact any agents since rate quotes are delivered directly to you. You’ll get the best rates and work with a local agent. If you want to quote rates from a specific auto insurance provider, don’t hesitate to visit that company’s website and submit a quote form there.

Deciding on a insurance company requires you to look at more than just a cheap price. Before buying a policy in Lubbock, get answers to these questions.

When finding a reliable agent, you should know the different agency structures and how they can quote your rates. Agents in Lubbock can be categorized as either exclusive agents or independent agents.

Exclusive Auto Insurance Agencies

Agents in the exclusive channel can only place business with one company and examples are Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot provide other company’s prices so it’s a take it or leave it situation. Exclusive agents are well trained on sales techniques which helps them sell insurance even at higher premiums.

Below are exclusive insurance agents in Lubbock who can help you get price quotes.

8001 Quaker Ave STE GLubbock, TX 79424(806) 745-2555View Map

6102 82nd St #12bLubbock, TX 79424(806) 776-3276View Map

3114 50th StLubbock, TX 79413(806) 793-0646View Map

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Independent Auto Insurance Agencies

Agents that choose to be independent are not locked into one company so they can quote policies with an assortment of companies and get the cheapest rates. If your premiums go up, your agent can just switch to a different company and you stay with the same agent.

If you are comparing auto insurance prices, you will want to compare quotes from independent agents to have the most options to choose from.

The following is a list of independent agencies in Lubbock that are able to give price quotes.

2508 Auburn StLubbock, TX 79415(806) 749-8600View Map

3307 82nd StLubbock, TX 79423(806) 792-0135View Map

1810 50th StLubbock, TX 79412(806) 747-4422View Map

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After receiving good responses as well as cheaper Beetle insurance quotes, you have narrowed it down to an insurance agent that meets the criteria to insure your vehicles. Just keep in mind you have the power to cancel your coverage whenever you wish so don’t feel that you are obligated to a specific agent for any length of time.