2007 Volkswagen New Beetle Insurance Quotes – 5 Savings Tips

Scraping up a payment for overpriced Volkswagen New Beetle insurance can empty your personal savings, especially in this economy. Shopping your coverage around is free, only takes a few minutes, and is a good way to lower your monthly bill.

Online insurance companies like State Farm, GEICO and Farmers Insurance constantly blast consumers with ad campaigns and it is difficult to ignore the promise of big savings and find the best price available.

You need to shop coverage around once or twice a year since insurance rates change quite often. Even if you got the lowest price for New Beetle insurance two years ago you will most likely find a better rate today. Starting now, block out anything you think you know about car insurance because we’re going to show you the easiest way to find better rates and still maintain coverage.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. Finding the best rates is not that difficult. But vehicle owners must comprehend the way insurance companies sell online.

Fast and Easy Auto Insurance Quotes

Comparing auto insurance rates can be a daunting task if you aren’t aware of the most efficient way to do it. You could spend your day talking to local insurance agents in your area, or you can utilize online quotes to get rates in a matter of minutes.

Many popular insurance companies participate in a marketplace where prospective buyers submit one quote, and at least one company can give them a price determined by their information. This saves time by eliminating quote forms for each company.

To compare pricing click here (opens in new window).

One minor caviat to doing it this way is that you can’t choose which carriers to receive prices from. So if you prefer to pick individual companies for rate comparison, we have assembled a list of low cost auto insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you are comparing identical coverage limits for every quote you compare. If each company quotes differing limits it will be next to impossible to determine the best price for your Volkswagen New Beetle. Slightly different coverage limits can mean a large discrepancy in price. And when comparison shopping, getting more free quotes provides better odds of finding a better price.

Save big with these five discounts

Companies offering auto insurance don’t always list every available discount very clearly, so we break down some of the best known and the harder-to-find savings tricks you should be using.

  • College Student – Kids in college who are attending college and don’t have a car can receive lower rates.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates for New Beetle insurance than drivers with accidents.
  • One Accident Forgiven – Certain companies will forgive one accident without raising rates as long as you don’t have any claims prior to the accident.
  • Auto/Life Discount – Larger companies have a break if you buy auto and life insurance together.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you could save 5% or more.

It’s important to note that many deductions do not apply to the entire cost. Some only apply to individual premiums such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way.

For a list of companies with discount insurance coverage rates, click here to view.

But I don’t know anything about car insurance

When choosing coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions might point out if your situation might need professional guidance.

  • Does my car insurance cover rental cars?
  • Does my 2007 Volkswagen New Beetle need full coverage?
  • Am I covered when driving on a suspended license?
  • Is upholstery damage covered by car insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my cargo covered for damage or theft?
  • Does car insurance cover theft of personal property?
  • Is business equipment covered while in my vehicle?
  • What is medical payments coverage?
  • What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Auto insurance coverage specifics

Having a good grasp of auto insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types offered by auto insurance companies.

Comprehensive auto insurance

Comprehensive insurance 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 coverage pays for things like a tree branch falling on your vehicle, hitting a deer, falling objects, fire damage and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage pay for immediate expenses such as ambulance fees, prosthetic devices, surgery and nursing services. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage provides protection from damage that occurs to people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like loss of income, pain and suffering and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Collision protection

Collision insurance covers damage to your New Beetle resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as backing into a parked car, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Pennies from heaven

Budget-conscious 2007 Volkswagen New Beetle insurance is definitely available online and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. Some companies may not provide online quoting and most of the time these small, regional companies sell through independent agents.

When shopping online for insurance, do not skimp on coverage in order to save money. In many instances, an insured cut comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage for the lowest price, not the least amount of coverage.

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