Save on 2001 Volkswagen New Beetle Car Insurance Rates

Finding low-cost insurance for your Volkswagen New Beetle can normally be an all-consuming task, but you can learn our auto insurance buying tips to make it easier. There are both good and bad ways to shop for auto insurance and we’ll show you the absolute fastest way to compare rates for your Volkswagen and find the lowest possible price either online or from local insurance agents.

It’s a good habit to price shop coverage periodically because rates change regularly. If you had the best deal for New Beetle insurance two years ago a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate how to use the internet to get good coverage at a lower rate.

Finding affordable coverage is easy if you know what you’re doing. If you have a policy now or are shopping for new coverage, you can follow these tips to shop for the lowest rates and still get good coverage. Drivers just need to learn the tricks to compare price quotes on the web.

Compare Quotes for Auto Insurance

Getting a cheaper price on 2001 Volkswagen New Beetle insurance can be relatively painless. All that’s required is to invest a few minutes comparing rate quotes online with multiple companies. This is very easy and can be done in just a few minutes using one of these methods.

  • One of the best ways consumers can make multiple comparisons is a comparison rater form click to view form in new window. This form keeps you from doing a different quote for every auto insurance company. A single form compares rates direct from many companies. It’s definitely the quickest method.
  • A slightly less efficient method to find lower rates requires a visit to each individual company website and complete a new quote form. For instance, we’ll pretend you want rates from State Farm, GEICO and Liberty Mutual. To get rate quotes you would need to spend time on each company’s site to input your insurance information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

Whichever way you use, make absolute certain that you use identical coverage information for each comparison quote. If each company quotes different limits and deductibles on each one it’s not possible to find the best deal for your Volkswagen New Beetle.

Drivers who switch save $446 a year? Really?

Drivers can’t ignore all the ads for cheaper car insurance from companies such as Progressive, GEICO, Allstate and State Farm. All the ads make the same claim that you’ll save big if you change your policy.

But how can every company say the same thing?

Insurance companies have a certain “appetite” for the type of customer that earns them a profit. An example of a driver they prefer might be over the age of 50, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote who meets those qualifications gets the lowest rates and most likely will cut their rates substantially.

Drivers who don’t meet the requirements will be charged a higher premium and this can result in the customer not buying. Company advertisements say “people who switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can truthfully make those claims. That is why you absolutely need to get quotes from several different companies. It’s just too difficult to predict the company that will fit your personal profile best.

How to reduce 2001 Volkswagen New Beetle insurance rates

Companies that sell car insurance don’t always publicize all their discounts very clearly, so we took the time to find both well-publicized and the more hidden savings tricks you should be using. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Accident Free – Claim-free drivers pay much less as compared to drivers who are more careless.
  • Club Memberships – Affiliation with a qualifying organization is a good way to get lower rates when shopping for car insurance for New Beetle insurance.
  • Paperless Signup – Certain companies will give a small break just for signing your application on their website.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Driver Safety – Completing a driver safety course could save 5% or more if you qualify.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • Air Bag Discount – Cars that have air bags or motorized seat belts can receive discounts up to 30%.
  • Life Insurance – Some companies give a break if you buy auto and life insurance together.
  • Save over 55 – If you’re over the age of 55, you may receive better car insurance rates for New Beetle insurance.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.

Consumers should know that most credits do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like you could get a free car insurance policy, you’re out of luck.

For a list of companies offering car insurance discounts, click here.

Tailor your coverage to you

When it comes to choosing coverage, there really is no perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that might help in determining if you might need professional guidance.

  • Is my state a no-fault state?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Where can I find DUI or SR-22 insurance?
  • Do I need motorclub coverage?
  • When would I need rental car insurance?
  • Is business equipment covered while in my vehicle?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Car insurance coverages for a Volkswagen New Beetle

Having a good grasp of your auto insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverages

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like a broken windshield, hitting a bird, hitting a deer and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability

Liability coverage provides protection from damage that occurs to people or other property that is your fault. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like repair costs for stationary objects, court costs, attorney fees and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Volkswagen New Beetle.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as doctor visits, rehabilitation expenses, prosthetic devices, ambulance fees and dental work. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, driving through your garage door, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Final considerations

Cheap 2001 Volkswagen New Beetle insurance can be sourced from both online companies and with local insurance agents, so you should compare both in order to have the best price selection to choose from. Some car insurance companies do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

In this article, we presented many ideas to lower your insurance rates. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the best prices are with some of the lesser-known companies.

As you prepare to switch companies, you should never buy less coverage just to save a little money. There are a lot of situations where drivers have reduced collision coverage to discover at claim time that it was a big error on their part. The aim is to get the best coverage possible at the best price while still protecting your assets.

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