Buying a Volkswagen? Car Insurance needs to be Your Number One Priority!
The average Volkswagen car insurance rates are $190.64/mo, but vary by model and driver. Use our quote comparison tool below to save money on Volkswagen car insurance.
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UPDATED: Jan 21, 2021
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- Volkswagens are one of America’s best selling cars
- Every state has a minimum acceptance for car insurance
- Liability insurance is meant to cover the costs of the damages that you cause in an accident
- Across all models, the average monthly rates for Volkswagen car insurance are $190.64, or $2,287.68
The original manufacturer of the Volkswagen was the Nazi trade union and Hitler himself commissioned the design of what would eventually be called the Volkswagen bug, which was actually modeled after the Porsche Type 12.
Today, there are 19 models of Volkswagen vehicles being produced by this German owned company, of which Porsche continues to own the controlling interest.
The price range of these vehicles range from the very expensive to the very affordable and the Volkswagen Bug is still considered to be the “people’s car” because of its continuing affordability.
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Volkswagen Car Insurance Options
When you buy a Volkswagen, you have the same insurance options as you do for any other type of vehicle.
As mentioned above, because of the high safety ratings that many Volkswagens receive, you can expect to pay less for insuring those vehicles than a vehicle of equal value with a lower safety rating.
Here are some points on that coverage:
- Every state has a minimum acceptance for car insurance. When you enter your zip code for a car insurance quote, you are automatically shown quotes based on those minimums, so you don’t have to worry about getting adequate minimum coverage.
- In most cases, if you can afford higher premiums, then you should consider higher liability coverage than what your state requires. Liability insurance is meant to cover the costs of the damages that you cause in an accident and the minimums won’t cover the cost of a serious accident.
- In addition, liability coverage pays for any medical costs associated with the accident.
- If you are buying a new Volkswagen, then you will probably want to purchase both collision and comprehensive coverage in addition to the liability coverage required by the state you live in.
Collision and comprehensive coverage are the insurance options that cover your vehicle in an accident that you cause.
If someone else causes an accident then it is his or her insurance that should cover the cost of repairing your vehicle, which is what his or her liability insurance is for.
While collision and comprehensive coverage is what is going to cause the cost of your insurance to increase, you will find that the first time you have an accident, your insurance pays for itself.
Many people believe they will never have an accident, but this isn’t something that you can predict.
If you have a serious accident that equals the total loss of your vehicle and another person’s vehicle, you will find that it would take several years, as many as 10 to 15 years, for your premium costs to outweigh the cost-benefit of the insurance paying for the damages.
In other words, if you have an accident that equals $50,000 in damages and you pay $1,200 a year in premiums, then it would take 41 years of premiums to equal the cost of the accident.
Many people don’t breakdown the costs like this believing that it would be easier for them to pay for an accident than to have to pay a monthly premium for something that might not happen.
What you have to remember is that any type of insurance, except for life insurance, is a plan for what might happen rather than what will definitely happen.
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Deciding on the Amount of Volkswagen Car Insurance to Buy
You know that you need Volkswagen car insurance coverage. Now the question is: just how much coverage should you purchase?
There are certainly varying opinions on this subject from buy as much as you can afford to only buy the barest minimums, and of course, everything in between.
What you have to remember is that liability coverage has nothing to do with the type of car you drive. Many people assume that if they drive a new car then they should purchase a high amount of liability coverage.
Because liability insurance is meant to cover damages to other people’s vehicles, you need to consider something else entirely.
What is the average cost of an auto accident in the state that you live in?
You may also want to check the top 10 sold vehicles in your state. The reason for this is that you can get a good general idea of what the cost of the top selling vehicles.
This is important because of there is more of a certain type of vehicle on the road, then that is the type of vehicle you are most likely to get into an accident with.
When you purchase collision and comprehensive insurance, you need to consider the cost of your vehicle into the equation.
You don’t need higher coverage than the value of your vehicle because the insurance company isn’t going to pay you anymore than that value if you face a total loss.
Know the Facts
It is important to note that the value of your vehicle does not include lender fees.
Even if you owe $20,000 on your Volkswagen, if the Kelley Blue Book value is $15,000, then $15,000 is what you will get.
That is why, if it’s available, you should also consider purchasing gap insurance.
Now that you understand the basics of what you need, it’s time to purchase your Volkswagen car insurance coverage.
To do this, you need to use a free quote tool so that you can compare prices before you buy.
Compare car insurance rates online by entering your zip code below!