If you want to find the absolute lowest rates, then the best way to get more affordable car insurance rates is to annually compare prices from insurers who provide car insurance in Oklahoma City. Rate comparisons can be done by following these guidelines.
- Step 1: Take a little time to learn about how auto insurance works and the measures you can take to prevent expensive coverage. Many rating criteria that result in higher prices like traffic citations, accidents, and a poor credit rating can be rectified by being financially responsible and driving safely.
- Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from one company like GEICO and State Farm, while agents who are independent can provide rate quotes for a wide range of companies. Find an Oklahoma City insurance agent
- Step 3: Compare the new rate quotes to your existing rates to see if switching to a new carrier will save money. If you find a lower rate quote and switch companies, ensure coverage does not lapse between policies.
The critical component of shopping around is to use the same liability limits and deductibles on every quote and and to get rate quotes from every company you can. This ensures a fair price comparison and a thorough selection of prices.
Astonishing but true according to a recent study, most Oklahoma car insurance customers have stayed with the same insurance company for a minimum of four years, and roughly 40% of drivers have never even shopped around for lower-cost coverage. With the average car insurance premium being $1,847, American drivers can save hundreds of dollars each year just by shopping around, but they just don’t understand how easy it is to find lower-cost rates by getting comparison quotes.
If you are already insured, you should be able to get lower rates using these techniques. Finding the cheapest insurance coverage in Oklahoma City can be easy if you know a few tricks. Although Oklahoma car owners do need to learn the methods companies use to market on the web because it varies considerably.
How to shop Volkswagen Beetle insurance online
Most larger insurance companies such as Progressive, Allstate and GEICO give pricing online. Getting online rates for Volkswagen Beetle insurance in Oklahoma City is fairly straightforward as all you need to do is type in your coverage information into a form. After you complete the form, their rating system gets information on your driving record and credit history and generates pricing information based on these factors. This makes it a lot easier to compare rates and it is important to compare as many rates as possible in order to get cheap insurance pricing.
To get comparison pricing now, compare rates now from the companies shown below. If you have coverage now, it’s recommended you enter deductibles and limits as close as possible to your current policy. This makes sure you will receive a price comparison for exact coverage.
The following companies are ready to provide free rate quotes in Oklahoma City, OK. If multiple companies are listed, it’s a good idea that you click on several of them in order to find the most affordable rates.
You may qualify for discounts for Volkswagen Beetle insurance in Oklahoma City
The cost of insuring your cars can be expensive, but there’s a good chance there are discounts that could help you make your next renewal payment. Certain discounts will be applied when you get a quote, but some need to be asked about prior to receiving the credit.
- Paperless Signup – Some insurance companies will provide an incentive just for signing your application on their website.
- Military Rewards – Being deployed with a military unit may qualify for rate reductions.
- Accident Free – Insureds with no claims or accidents pay much less when compared with drivers who are more careless.
- Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class in high school.
- Accident Forgiveness – This one is not really a discount per se, but some insurance companies will allow you to have one accident without getting socked with a rate hike if you have no claims for a specific time period.
Please keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that all those discounts means the company will pay you, it just doesn’t work that way. But any discount should definitely cut your premiums.
The information below illustrates the difference between Volkswagen Beetle insurance rates with and without discounts. The rate quotes are based on a female driver, no claims, a clean driving record, Oklahoma state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, claim-free, homeowner, and multi-car discounts applied.
To see a list of companies who offer cheap Volkswagen Beetle insurance quotes in Oklahoma City in Oklahoma, click this link.
Volkswagen Beetle coverage analysis
The coverage table displayed next highlights detailed analysis of rate quotes for Volkswagen Beetle models. Learning how insurance prices are established can assist in making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $192 | $400 | $366 | $22 | $110 | $1,090 | $91 |
| Beetle 2-Dr Convertible | $248 | $472 | $284 | $16 | $86 | $1,106 | $92 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in specific zip code location which can change rates considerably.
Where to set your deductibles
The hardest decision when buying coverage is what deductibles to buy. The following tables may help you to understand the rate fluctuation when you select higher and lower policy deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $336 | $698 | $382 | $22 | $114 | $1,577 | $131 |
| Beetle 2-Dr Convertible | $436 | $822 | $296 | $18 | $88 | $1,685 | $140 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $186 | $368 | $382 | $22 | $114 | $1,072 | $89 |
| Beetle 2-Dr Convertible | $242 | $432 | $296 | $18 | $88 | $1,076 | $90 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in Oklahoma City location which can increase or decrease premium rates noticeably.
Based on this data, using a $100 deductible costs about $46 more each month or $552 each year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 20 months between claims, you would probably save some money if you choose the higher deductible.
Calculate savings of higher deductibles
| Average monthly premium for $100 deductibles: | $136 |
| Average monthly premium for $1,000 deductibles (subtract): | – $90 |
| Monthly savings from raising deductible: | $46 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $46 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 20 months |
Age, gender, and Volkswagen Beetle insurance
The diagram below shows the difference between Volkswagen Beetle insurance prices for male and female drivers. The rates are based on no accidents or driving violations, comprehensive and collision coverage, $500 deductibles, single status, and no other discounts are factored in.
Rate difference between full and liability-only coverage
The example below illustrates the difference between Volkswagen Beetle car insurance rates with full physical damage coverage and with liability coverage only. The information is based on no claims, a clean driving record, $100 deductibles, single marital status, and no other discounts are factored in.
When to eliminate full coverage
There isn’t a written rule for eliminating full coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
For example, let’s pretend your Volkswagen Beetle claim settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $3,000 after the policy deductible has been paid. If you are paying over $300 annually for physical damage coverage, then you may need to consider dropping full coverage.
There are some circumstances where only buying liability is not a good plan. If you still owe money on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage.
How You Can Control Volkswagen Beetle Insurance Prices
An important part of buying insurance is that you know the different types of things that are used to determine your policy premiums. If you understand what determines premiums, this empowers consumers to make smart changes that can earn you better auto insurance rates. Multiple criteria are taken into consideration when you get your auto insurance bill. A few of the factors are predictable like an MVR report, but some are less apparent like your continuous coverage or your commute time.
The factors shown below are most of the major factors companies use to determine your prices.
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High performance vehicles cost more to insure – The type of car, truck or SUV you are buying insurance for makes a huge difference in how high your rates are. The cheapest insurance rates are usually for smaller low performance passenger vehicles, but the final cost of insurance is determined by many other factors.
The chart below uses these assumptions: married male driver age 50, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Volkswagen Beetle insurance rates compared to other vehicles that have different performance risks.
- Pay more of a claim out-of-pocket – Physical damage protection, also called comprehensive and collision insurance, covers damage that occurs to your Volkswagen. Some examples of claims that would be covered are collision with another vehicle, damage caused by hail, and burglary. Physical damage deductibles define how much you are willing to pay if a covered claim is submitted. The more of the claim the insured has to pay upfront, the less your auto insurance will be.
- Married drivers get better rates – Having a wife or husband helps lower the price on your auto insurance policy. It translates into being more mature and responsible it has been statistically shown that being married results in fewer claims.
- Proper usage rating affects costs – The more you drive your Volkswagen every year the more you will pay for auto insurance. The majority of insurers price each vehicle’s coverage partially by how you use the vehicle. Vehicles left parked in the garage cost less to insure than those that get driven frequently. Having an incorrect usage rating on your Beetle may be wasting your money. It’s always a good idea to double check that your auto insurance coverage reflects the correct driver usage, because it can save money.
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Premiums increase with driving tickets – How you drive impacts your car insurance rates tremendously. Drivers who don’t get tickets have lower premiums as compared to those with violations. Just one citation may increase your cost by as much as twenty percent. Drivers who get careless violations such as hit and run, DWI or reckless driving convictions are required to file a SR-22 with their state in order to keep their license.
The diagram below demonstrates how citations and at-fault accidents increase Volkswagen Beetle insurance costs for different categories of driver ages. The premiums are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
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Claims statistics for a Volkswagen Beetle – Auto insurance companies analyze claim trends for every vehicle to calculate a rate that will offset losses. Vehicles that are shown to have higher number or severity of losses will be charged more to insure.
The table shown below demonstrates the historical loss data for Volkswagen Beetle vehicles. For each type of coverage, the claim amount for all vehicles, regardless of make or model, equals 100. Numbers under 100 suggest a positive loss record, while values over 100 point to more frequent losses or statistically larger claims.
Volkswagen Beetle Insurance Claim Statistics Make and 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 BETTERAVERAGEWORSEStatistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance agents can give valuable advice
Some people still prefer to talk to a local agent and that can be a smart move A good thing about getting free rate quotes online is the fact that you can find cheaper prices and still choose a local agent.
To help locate an agent, after submitting this simple form, the quote information is sent to participating agents in Oklahoma City that can provide free Oklahoma City auto insurance quotes to get your business. There is no need to search for any insurance agencies because prices are sent to the email address you provide. It’s the lowest rates and work with a local agent. If you have a need to get a price quote from a specific insurance company, you would need to find their quoting web page and give them your coverage information.
Finding the right provider is decision based upon more than just a cheap quote. The answers to these questions are important, too.
- How is replacement cost determined on your vehicle?
- Will high miles depreciate repair valuations?
- Do they offer claims assistance after hours?
- What are their preferred companies if they are an independent agency?
- Does the company allow you to choose your own collision repair facility?
- What is the agency’s Better Business Bureau rating?
When finding a good insurance agency, you should know the different agency structures and how they can service your needs differently. Oklahoma City agents are considered either independent or exclusive depending on the company they work for.
Exclusive Insurance Agents
These agents can only provide pricing for a single company like AAA, State Farm, Farmers Insurance, and Allstate. These agents are unable to shop your coverage around so they really need to provide good service. Exclusive agents are well schooled on sales techniques which helps offset the inability to provide other markets.
Shown below is a short list of exclusive agents in Oklahoma City who may provide you with rate quotes.
Ken Whitt – State Farm Insurance Agent
4430 N W 50th M – Oklahoma City, OK 73112 – (405) 947-2812 – View Map
Bob Stockton – State Farm Insurance Agent
4625 N May Ave – Oklahoma City, OK 73112 – (405) 943-8373 – View Map
Allstate Insurance: Ciani Portillo
3200 S Western Ave – Oklahoma City, OK 73109 – (405) 635-1212 – View Map
Independent Agencies or Brokers
Independent insurance agents are normally appointed by many insurers and that enables them to quote your coverage through many different insurance companies and find the cheapest rate. If your premiums go up, they simply move the coverage in-house and you don’t have to find a new agent.
If you are comparing rate quotes, we recommend you contact several independent agencies in order to have the best price comparison.
The following are independent insurance agencies in Oklahoma City that can give you comparison quotes.
Shelton Agency
6401 NW Expressway # 100B – Oklahoma City, OK 73132 – (405) 384-1518 – View Map
State Auto Insurance Agency Inc
4717 S Western Ave – Oklahoma City, OK 73109 – (405) 631-5575 – View Map
State Auto Insurance
4030 NW 10th St – Oklahoma City, OK 73107 – (405) 943-5575 – View Map
Car insurance savings summarized
Lower-priced Volkswagen Beetle insurance in Oklahoma City is available from both online companies as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers may not have online price quotes and usually these small, regional companies only sell coverage through independent insurance agencies.
When searching for affordable Oklahoma City auto insurance quotes, you should never buy poor coverage just to save money. There are many occasions where an insured cut full coverage only to regret they didn’t have enough coverage. The proper strategy is to get the best coverage possible for the lowest cost, not the least amount of coverage.
You just learned many tips how you can get a better price on Volkswagen Beetle insurance in Oklahoma City. The key thing to remember is the more times you quote, the better chance you’ll have of finding low cost Oklahoma City auto insurance quotes. Consumers could even find that the most savings is with a small mutual company. These companies often have lower premium rates on specific markets than the large multi-state companies such as Allstate, GEICO and Progressive.
More information can be found at the links below
- Collision Insurance Coverage (Nationwide)
- Who Has Affordable Car Insurance for a Nissan Altima in Oklahoma City? (FAQ)
- Who Has Cheap Oklahoma City Car Insurance Quotes for Used Cars? (FAQ)
- How Much are Car Insurance Rates for Teenage Males in Oklahoma City? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for 17 Year Olds in Oklahoma City? (FAQ)
- What Insurance is Cheapest for Good Drivers in Oklahoma City? (FAQ)
- What Car Insurance is Cheapest for Active Military in Oklahoma City? (FAQ)
- State Car Insurance Guides (GEICO)
- Red Light Cameras (State Farm)
- Preventing Carjacking and Theft (Insurance Information Institute)
- Should I Buy a New or Used Car? (Allstate)