How Much Does 1998 Volkswagen New Beetle Insurance Cost?

Trying to find low-cost insurance for a Volkswagen New Beetle can be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to shop for auto insurance and you need to know the absolute fastest way to compare rates for a new or used Volkswagen and obtain the best price possible either online or from local insurance agents.

It’s important to quote other rates quite often because rates are usually higher with each renewal. Even if you got the best premium rates on New Beetle insurance a year ago you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re going to get a crash course in the quickest way to save on auto insurance.

Insurance policy discounts

Some insurers don’t list the complete list of policy discounts very well, so the list below details a few of the more common as well as some of the hidden savings tricks you should be using when you buy insurance coverage online.

  • Telematics Data Discounts – People who choose to allow their insurance company to spy on driving patterns remotely such as State Farm’s In-Drive may get a rate reduction as long as the data is positive.
  • Military Discounts – Being on active deployment in the military could mean lower premium rates.
  • Discount for Home Ownership – Owning a home can save a few bucks because owning a home is proof that your finances are in order.
  • ABS Braking Discount – Anti-lock brake equipped vehicles can reduce accidents so companies give up to a 10% discount.
  • Early Renewal Discounts – A few companies offer discounts for switching companies before your current coverage expires. Ten percent is about the average savings.
  • Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.

Don’t be surprised that some credits don’t apply to your bottom line cost. Some only reduce specific coverage prices like comprehensive or collision. Even though it may seem like you could get a free insurance policy, you won’t be that lucky.

Insurance companies that have some of the above discounts include:

When quoting, ask every prospective company how you can save money. Some of the discounts discussed earlier may not apply to policies everywhere. If you would like to view providers with discount rates, click this link.

How you can control Volkswagen New Beetle insurance premiums

An important part of buying insurance is that you know the factors that help determine your auto insurance rates. When you understand what determines base rates, this helps enable you to make changes that could result in better auto insurance rates.

  • Proper usage rating affects costs – The more you drive in a year’s time the higher your rate. A lot of companies charge rates based on their usage. Autos that sit idle most of the time get more affordable rates as compared to vehicles used primarily for driving to work. Improper usage on your New Beetle may be wasting your money. Verify your declarations sheet states the correct driver usage.
  • Credit rating impacts prices – Having a bad credit score factor in your rate calculation. People with good credit tend to file fewer claims and have better driving records than drivers who have bad credit. So if your credit score is not that good, you could pay less to insure your 1998 Volkswagen New Beetle if you clean up your credit.
  • Insure car and home with the same company – Some companies allow discounts to insureds who buy several policies from them in the form of a multi-policy discount. This can amount to as much as ten percent or more If you currently are using one company, you may still want to get quotes from other companies to verify if the discount is saving money. It’s possible to still save even more by buying auto insurance from a different company.
  • Teenagers are high risk – Older insureds are viewed as being more responsible, cost insurance companies less in claims and are safer drivers.Drivers with little experience are known to be inattentive and easily distracted when driving with friends therefore auto insurance rates are much higher.
  • Rates increase with driving citations – Getting just one driving citation can increase the cost of insurance by as much as twenty percent. Attentive drivers pay lower auto insurance prices than bad drivers. Drivers who have license-revoking citations like reckless driving or DUI may face state-mandated requirements to complete a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.

How do I know if I need professional advice?

When buying the best insurance coverage, there really is no one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that might help in determining if you might need an agent’s assistance.

  • Is my babysitter covered when using my vehicle?
  • Where can I find DUI or SR-22 insurance?
  • Does my car insurance cover rental cars?
  • Do I really need UM/UIM coverage?
  • Am I missing any policy discounts?
  • Why am I required to buy liability insurance?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can help protect your family.

Auto insurance advertisements

Drivers can’t avoid all the ads that promise big savings from companies such as GEICO, State Farm and Progressive. They all seem to state the claim that drivers can save some big amount if you switch to their company.

How do they all have lower policy pricing?

Many companies have specific guidelines for the type of driver that earns them a profit. A good example of a profitable customer might have to be over the age of 45, has few claims, and does not commute to work. A driver who matches those parameters is entitled to the best price and most likely will cut their rates substantially.

People who don’t qualify for these stringent criteria will have to pay higher rates and ends up with the prospect going elsewhere. Company advertisements say “people who switch” not “all people who quote” can get the lowest rates when switching. That is how insurance companies can advertise the way they do.

This really illustrates why you absolutely need to compare many company’s prices. It’s impossible to know which company will have better premium rates than you’re paying now.

Coverages available on your insurance policy

Learning about specific coverages of insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for collisions

Collision insurance covers damage to your New Beetle caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with another moving vehicle, hitting a parking meter, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.

Coverage for liability

This coverage provides protection from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like medical services, legal defense fees, medical expenses, attorney fees and bail bonds. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, vandalism, hail damage, damage from flooding and a broken windshield. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance

Med pay and PIP coverage pay for expenses for things like surgery, EMT expenses, ambulance fees, pain medications and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Find Good Coverage for Less

Drivers leave their current company for any number of reasons including being labeled a high risk driver, extreme rates for teen drivers, high rates after DUI convictions or an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a great new company is pretty simple and you could end up saving a buck or two.

When you buy insurance coverage online, never buy poor coverage just to save money. Too many times, an insured cut liability coverage limits only to regret at claim time that they should have had better coverage. The goal is to buy enough coverage at the best price, but don’t skip important coverages to save money.

Throughout this article, we presented a lot of techniques to reduce 1998 Volkswagen New Beetle insurance rates online. The key thing to remember is the more quotes you get, the higher your chance of finding cheap insurance coverage. Consumers could even find that the best price on auto insurance is with the least-expected company.

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