Searching for cheaper insurance rates for your Volkswagen New Beetle? No one likes having to buy insurance, especially when they are paying too much.
Big-name insurance companies like State Farm, Allstate, GEICO and Progressive continually hit you with TV and radio ads and it is challenging if not impossible to ignore the propoganda and find the best price available.
It’s smart to get comparison quotes on a regular basis because prices are variable and change quite frequently. Just because you had the lowest price on New Beetle insurance a few years ago there may be better deals available now. Block out anything you think you know about insurance because we’re going to demonstrate the best way to buy cheaper insurance.
If you have car insurance now, you should be able to reduce your rates substantially using this strategy. Buying car insurance is easy if you know what you’re doing. But consumers do need to know how the larger insurance companies sell insurance online.
The best way to compare car insurance rates utilizes the fact car insurance companies provide online access to give free rates quotes. All you need to do is give them rating details like if you lease or own, how many miles driven, your job, and which vehicles you own. Those rating factors is instantly submitted to all major companies and they provide comparison quotes instantly.
When buying the best auto insurance coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions can aid in determining if you would benefit from an agent’s advice.
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.
Understanding the coverages of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages available from insurance companies.
Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for rehabilitation expenses, doctor visits, nursing services and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage
This coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like hitting a bird, rock chips in glass, hitting a deer, theft and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Liability coverage provides protection from damage that occurs to other’s property or people that is your fault. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.
Liability insurance covers things like attorney fees, emergency aid, funeral expenses, medical expenses and bail bonds. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.
Collision insurance will pay to fix damage to your New Beetle resulting from colliding with another vehicle or an object, but not an animal. 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, sideswiping another vehicle, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.