Insurance for Volkswagen BeetleFeeling guilty for buying an underperforming, overpriced insurance policy? You're in good company because many consumers are feeling buyer's remorse and feel like there's no way out.

Sadly, over 70% of consumers have purchased from the same company for at least the last four years, and roughly 40% of drivers have never compared quotes from other companies. Hawaii consumers could save nearly $400 a year by just comparing quotes, but most undervalue how much money they would save if they bought a different policy. Because there are so many insurance companies to choose from, it is very difficult to choose the most affordable insurance provider.

It's smart to compare rates periodically because insurance prices are adjusted regularly by insurance companies. Just because you found the lowest rate on Volkswagen Beetle insurance in Honolulu two years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance because you're about to learn how to use the internet to lower your rates without sacrificing coverage.

The method we recommend to get policy rate comparisons for Volkswagen Beetle insurance in Honolulu is to know the fact most of the bigger providers pay for the opportunity to give rate comparisons. To start a quote, the only thing you need to do is spend a couple of minutes providing details like if the car is leased, the year, make and model of vehicles, if you require a SR-22, and deductibles desired. Your details gets transmitted to all major companies and they return quotes instantly.

To check Volkswagen Beetle insurance prices now, click here and complete the form.

The companies in the list below offer price comparisons in Hawaii. If multiple companies are listed, we suggest you get price quotes from several of them in order to find the lowest rates.

Volkswagen Beetle Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $198 $412 $226 $14 $68 $918 $77
Beetle 2-Dr Convertible $162 $338 $198 $12 $60 $770 $64
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rate information does not factor in specific location which can affect coverage rates greatly.

Comparison of policy deductibles

One of the most common car insurance questions is which deductibles should you choose. The tables below may help to conceptualize the differences in price when you select higher and lower policy deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Volkswagen Beetle insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $178 $344 $226 $14 $68 $855 $71
Beetle 2-Dr Convertible $230 $406 $174 $10 $52 $897 $75
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Volkswagen Beetle insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Beetle S 2-Dr Hatchback $144 $278 $226 $14 $68 $730 $61
Beetle 2-Dr Convertible $188 $328 $174 $10 $52 $752 $63
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rates do not factor in Honolulu location which can lower or raise coverage prices substantially.

Based on the figures above, using a $250 deductible will cost you about $11 more each month or $132 every year than requesting the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 23 months between claim filings, you would probably come out ahead if you choose a higher deductible.

Calculate savings of higher deductibles

Average monthly premium for $250 deductibles: $73
Average monthly premium for $500 deductibles (subtract): - $62
Monthly savings from raising deductible: $11
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

Comparison of car insurance rates by age and gender in Honolulu

The chart below visualizes the comparison of Volkswagen Beetle annual premium costs for male and female drivers. The premiums assume a clean driving record, no claims, comp and collision included, $1,000 deductibles, drivers are not married, and no discounts are applied.

Cheap Honolulu auto insurance rates with discounts

Auto insurance is expensive, but discounts can save money and there are some available to help bring down the price. A few discounts will be applied at quote time, but once in a while a discount must be specially asked for before they will apply.Discount auto insurance

Policy discounts save money, but most discount credits are not given to all coverage premiums. Some only reduce individual premiums such as liability, collision or medical payments. Despite the appearance that it's possible to get free car insurance, you won't be that lucky.

Popular auto insurance companies and the discounts they provide can be found below.

Before purchasing a policy, check with each insurance company to give you their best rates. All car insurance discounts may not be offered in your area. To see a list of providers with significant discounts in Hawaii, click this link.

Car insurance is not optional

Even though it can be expensive, paying for car insurance may be required and benefits you in several ways.

The benefits of insuring your car are without a doubt worth the cost, particularly when you have a large claim. The average driver in Hawaii overpays more than $825 a year so we recommend shopping around every year to help ensure money is not being wasted.

When to get professional advice

When it comes to choosing insurance from an agent or online for your vehicles, there really is not a one size fits all plan. Your needs are unique to you so your insurance should reflect thatDrive safe and save Here are some questions about coverages that can aid in determining whether your personal situation would benefit from professional advice.

If you don't know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Insurance agencies near you

A small number of people would prefer to get advice from a local agent and doing that can be a smart decision Good agents can help you build your policy and help submit paperwork. One of the best bonuses of comparing auto insurance online is you may find the lowest rates and still have a local agent. Putting coverage with local insurance agencies is especially important in Honolulu.

Insurance agency in HonoluluBy using this short form, the quote information gets sent to participating agents in Honolulu who want to provide quotes to get your business. There is no need to search for any insurance agencies as quotes are delivered to the email address you provide. In the event you want to get a price quote from a specific insurance company, you just need to go to their quote page and fill out the quote form the provide.

What types of car insurance agents are in Honolulu?

If you would like to find a good insurance agency, there are two different agency structures and how they can write your policy. Agents can be classified as either independent or exclusive depending on the company they work for. Both properly insure your vehicles, but it's worth mentioning why they differ because it may have an impact on the selection process.

Independent Auto Insurance Agencies or Brokers

Agents of this type do not sell for just one brand and that is an advantage because they can write policies with many different companies and find the cheapest auto insurance rates. If your agent finds better pricing, an independent agent can move your coverage and you stay with the same agent.

When shopping rates, you definitely need to include rate quotes from at least one independent agent to ensure the widest selection of prices.

Listed below is a small list of independent agencies in Honolulu who may be able to give you rate quotes.

1350 S King St #303 - Honolulu, HI 96814 - (808) 591-5545 - View Map

1132 Bishop St #1600 - Honolulu, HI 96813 - (808) 533-8728 - View Map

500 Ala Moana Blvd # 2303 - Honolulu, HI 96813 - (808) 534-7300 - View Map

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Exclusive Agencies

Agents in the exclusive channel can usually just insure with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. They usually cannot provide rate quotes from other companies so they really need to provide good service. They are well schooled in insurance sales which aids in selling service over price.

Below are exclusive insurance agents in Honolulu who can help you get price quote information.

1649 Liliha St - Honolulu, HI 96817 - (808) 834-2222 - View Map

3221 Waialae Ave Ste 386 - Honolulu, HI 96816 - (808) 737-3500 - View Map

Scott Saito - State Farm Insurance Agent
1150 S King St #901d - Honolulu, HI 96814 - (808) 946-8464 - View Map

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Deciding on a insurance agency should depend on more than just the bottom line cost. Any agent in Honolulu should be forthright in answering these questions: