1998 Volkswagen New Beetle Insurance Rates – 8 Ideas for Cheapest Quotes

Consumers have options when looking for affordable Volkswagen New Beetle insurance. You can either spend your time contacting agents to compare prices or leverage the internet to find the lowest rates. There are more efficient ways to find insurance online so you’re going to learn the quickest way to quote coverages for your Volkswagen and get the lowest possible price from both online companies and local agents.

It’s smart to do rate comparisons quite often since rates fluctuate regularly. Despite the fact that you may have had the lowest rates on New Beetle insurance a couple years back you can probably find a better price now. Ignore everything you know about insurance because you’re about to learn the tricks you need to know to eliminate unnecessary coverages and save money.

Don’t miss these eight discounts

Auto insurance companies don’t always list every available discount very well, so here is a list both the well known and the more hidden discounts you could be receiving. If you don’t get every credit you deserve, you are throwing money away.

  • E-sign – Some insurance companies may give you up to $50 simply for signing on their website.
  • Early Signing – Select companies give a discount for signing up prior to your current policy expiration. This can save 10% or more.
  • Memberships – Participating in a civic or occupational organization could trigger savings when shopping for auto insurance on New Beetle insurance.
  • Save with a New Car – Insuring a new car is cheaper compared to insuring an older model.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Multi-policy Discount – When you have multiple policies with the same company you will save 10% to 20% off each policy.
  • Air Bag Discount – Factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.

Consumers should know that some credits don’t apply the the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky.

For a list of companies offering auto insurance discounts, click this link.

Do drivers who switch really save $488 a year?

Consumers can’t get away from ads for cheaper car insurance from companies such as Allstate, GEICO and Progressive. They all make the same claim that you’ll save big if you change your policy.

But how can every company make almost identical claims? This is how they do it.

Different companies have a certain “appetite” for the type of driver they prefer to insure. A good example of a preferred risk could be over the age of 40, has no prior claims, and drives less than 7,500 miles a year. A driver who meets those qualifications gets the lowest rates and therefore will pay quite a bit less when switching companies.

Consumers who don’t measure up to these standards must pay a more expensive rate which usually ends up with business not being written. The ad wording is “people who switch” not “everybody who quotes” save that much money. That is how companies can truthfully claim big savings. This illustrates why drivers must compare many company’s rates. It’s impossible to know which car insurance company will fit your personal profile best.

When might I need help?

When it comes to buying the right insurance coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight whether you would benefit from an agent’s advice.

  • Do I have coverage when making deliveries for my home business?
  • Is pleasure use cheaper than using my 1998 Volkswagen New Beetle to commute?
  • Am I covered if I break a side mirror?
  • Can I get a multi-policy discount?
  • Can I still get insurance after a DUI?
  • Are rock chip repairs covered?
  • Is upholstery damage covered by car insurance?
  • Is business equipment covered while in my vehicle?
  • Can my teen drive my company car?
  • Does my car insurance cover rental cars?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, free and can provide invaluable advice.

Auto insurance 101

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Collision insurance

Collision insurance covers damage to your New Beetle caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a building, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical costs insurance

Med pay and PIP coverage reimburse you for immediate expenses for things like pain medications, hospital visits, doctor visits and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

UM/UIM Coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Volkswagen New Beetle.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a deer, vandalism, falling objects, rock chips in glass and hail damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for liability

This will cover damage or injury you incur to other people or property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like pain and suffering, legal defense fees, court costs and emergency aid. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Saving money is sweet as honey

People switch companies for any number of reasons including not issuing a premium refund, policy non-renewal, delays in responding to claim requests or even high prices. Whatever your reason, finding a new company can be easier than you think.

Low-cost 1998 Volkswagen New Beetle insurance is possible on the web as well as from independent agents, so compare prices from both to have the best selection. There are still a few companies who don’t offer online quoting and most of the time these smaller companies sell through independent agents.

We’ve covered many ways to get a better price on insurance. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with some of the smallest insurance companies.

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