Want to know an easy way to compare the cheapest insurance rates in Louisville, KY? Louisville shoppers have options when shopping for the best price on Volkswagen Beetle insurance. They can either spend hours struggling with agents getting price quotes or leverage the internet to get rate quotes.
There are more efficient ways to shop for insurance and we’ll show you the best way to compare rates for a Volkswagen and get the lowest price from both online companies and Louisville agents.
Regrettably, a large majority of drivers kept buying from the same company for a minimum of four years, and practically 40% of insurance customers have never even compared quotes to find lower-cost rates. Many consumers in America could pocket up to $850 a year by just comparing rate quotes, but they just don’t understand how much savings they would realize if they just switched companies.
The following companies offer free quotes in Louisville, KY. If multiple companies are listed, we recommend you visit two to three different companies to get a more complete price comparison.
Analysis of coverages
The premium table displayed next outlines different insurance premium costs for Volkswagen Beetle models. Learning a little about how auto insurance policy rates are established can be valuable when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $178 | $342 | $278 | $16 | $84 | $898 | $75 |
| Beetle 2-Dr Convertible | $232 | $404 | $216 | $12 | $64 | $928 | $77 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rate information does not factor in zip code location which can decrease or increase premium rates noticeably.
Physical damage deductibles: Should you raise them?
A question often asked by Louisville drivers is which deductibles should you choose. The premium rates below may help to conceptualize the cost difference when you buy lower versus higher physical damage coverage deductibles. The first table uses a $100 physical damage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $244 | $508 | $278 | $16 | $84 | $1,155 | $96 |
| Beetle 2-Dr Convertible | $318 | $598 | $216 | $12 | $64 | $1,233 | $103 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Beetle S 2-Dr Hatchback | $136 | $268 | $278 | $16 | $84 | $782 | $65 |
| Beetle 2-Dr Convertible | $176 | $316 | $216 | $12 | $64 | $784 | $65 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can influence insurance rates noticeably.
Based on these figures, using a $100 deductible costs approximately $35 more each month or $420 each year than opting for the higher $1,000 deductible. Since you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 26 months between claim filings, you would more than likely save some money if you choose the higher deductible.
How to determine if raising deductibles makes sense
| Average monthly premium for $100 deductibles: | $100 |
| Average monthly premium for $1,000 deductibles (subtract): | – $65 |
| Monthly savings from raising deductible: | $35 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $35 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 26 months |
Everyone needs different insurance coverages
Always keep in mind that when comparing a policy for your vehicles, there really isn’t a single plan that fits everyone. Every insured’s situation is different and your insurance should unique, too.
Here are some questions about coverages that might point out if you might need professional guidance.
- Can I rate high risk drivers on liability-only vehicles?
- Does rental coverage apply when I am renting a car?
- I have good health insurance, so how much medical payments coverage do I need?
- Who is covered when they drive my Volkswagen Beetle?
- When should I not file a claim?
- When should I remove comp and collision on my Volkswagen Beetle?
- I don’t drive much so do I pay less?
- Do I really need UM/UIM coverage?
If you can’t answer these questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.
Independent and exclusive insurance agencies
Many people just prefer to talk to an insurance agent. Good agents are trained risk managers and help file insurance claims. One of the best bonuses of price shopping on the web is that you can obtain cheap rate quotes and still choose a local agent. Supporting neighborhood agents is important especially in Louisville.
To help locate an agent, after submitting this quick form, the quote information is sent to agents in your area who can give free rate quotes for your business. There is no reason to leave your computer because quoted prices will be sent to your email. If you want to get a price quote from a particular provider, you just need to visit that company’s website and give them your coverage information.
If you’re trying to find local Louisville agents, there are two types of insurance agents and how they work. Car insurance agencies can be categorized as either exclusive or independent. Either one can sell affordable car insurance policies, but it is a good idea to know how they differ because it can impact which agent you choose.
Independent Car Insurance Agencies
These agents are appointed with more than one company and that allows them to write policies with a variety of different insurance companies and find you the best rates. If your premiums go up, the business is moved internally and you stay with the same agent. If you are trying to find cheaper rates, you definitely need to get quotes from at a minimum one independent agency to maximize your price options. Most also have access to mutual insurance companies which can be an advantage.
Featured below is a list of independent agents in Louisville who can help you get comparison quotes.
- Corey Insurance Agency
3832 Taylorsville Rd #1 – Louisville, KY 40220 – (502) 473-7910 – View Map - A Central Insurance Agency
6708 Shepherdsville Rd – Louisville, KY 40228 – (502) 968-1112 – View Map - Nationwide Insurance: Lisa Spalding Sherman Insurance Agency Inc
10339 Linn Station Rd – Louisville, KY 40223 – (502) 423-1611 – View Map
Exclusive Insurance Agents
These type of agents can only provide pricing for a single company like Farmers Insurance, State Farm, or Allstate. They are unable to give you multiple price quotes so they really need to provide good service. Exclusive insurance agents are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers sometimes use the same exclusive agent mainly due to the prominent brand name rather than having low rates.
Below are exclusive insurance agencies in Louisville that are able to give price quotes.
- Rudy Scheynost – State Farm Insurance Agent
7619 Dixie Hwy – Louisville, KY 40258 – (502) 937-5256 – View Map - Thomas Baker – State Farm Insurance Agent
709 S 4th St – Louisville, KY 40202 – (502) 584-6358 – View Map - Dave Metzger – State Farm Insurance Agent
6015 Bardstown Rd – Louisville, KY 40291 – (502) 239-4800 – View Map
Finding the right insurance agency should include more criteria than just a cheap price. Ask your prospective agent these questions:
- How many years have they been established?
- Do they have cheaper tiers of coverage?
- Will the company cover a rental car if your car is getting fixed?
- Do they get extra compensation for selling add-on coverages?
- Does the agency have a current Errors and Omissions policy?
- Will their companies depreciate repairs to your car based on the mileage?
- Where would glass claims be handled in Louisville?
After talking to the agent and getting acceptable answers to any questions you have as well as low cost Volkswagen Beetle insurance quotes, it’s a good possibility that you have found an insurance agency that is professional and can properly insure your vehicles.