Lower Your 1999 Volkswagen New Beetle Insurance Rates

Trying to come up with a payment for expensive insurance coverage can dry up your funds and require stricter spending habits. Comparison shopping is a fast and free way to tighten up your finances.

Drivers have multiple insurers to choose from, and even though it’s nice to be able to choose, too many choices makes it more difficult to compare rates and cut insurance costs.

Where can I get the cheapest auto insurance?

Performing a rate comparison can be exhausting if you don’t understand the most efficient way. You could spend your day talking about coverages with insurance companies in your area, or you can utilize the internet to get rate comparisons in just a few minutes.

Many of the larger companies belong to a marketplace that enables customers to enter their policy data once, and at least one company provides a quote. This prevents consumers from doing quotation requests for each company.

To use this form to compare rates click here to open in new window.

The single downside to pricing coverage this way is you can’t choose which insurance companies you will receive quotes from. If you prefer to choose from a list of companies to compare rates, we have a listing of auto insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but try to keep identical coverages for each quote you get. If you compare different liability limits it will be very difficult to determine which rate is truly the best. Even a minor difference in coverage limits may result in a large different in cost. And when comparing auto insurance rates, know that comparing a large number of companies increases your odds of finding the best price.

Double check you’re getting with these discounts

Not too many consumers would say insurance is affordable, but you may qualify for discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be manually applied before being credited. If you do not double check each discount possible, you could be getting lower rates.

  • Defensive Driver – Taking time to complete a course that instructs on driving safety may get you a small discount if your company offers it.
  • Passive Restraints – Vehicles with factory air bags may get savings of 20 to 30 percent.
  • Military Discounts – Having a deployed family member could trigger a small discount.
  • Discount for Good Grades – Excelling in school can earn a discount of 20% or more. You can use this discount normally until age 25.
  • Sign Early and Save – A few insurance companies give discounts for switching to them prior to your current policy expiring. You could save around 10% when you buy insurance coverage online.
  • Discount for Low Mileage – Low annual miles can earn discounted prices on garaged vehicles.
  • Government Employee Discount – Active or retired federal employment could provide a small rate reduction for New Beetle insurance with a few insurance companies.

A little disclaimer on discounts, some credits don’t apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comprehensive or collision. Even though the math looks like all the discounts add up to a free policy, that’s just not realistic.

A few popular companies and some of the discounts can be found below.

  • Mercury Insurance may have discounts that include multi-policy, professional/association, anti-theft, type of vehicle, and accident-free.
  • Farmers Insurance offers premium reductions for bundle discounts, youthful driver, business and professional, switch companies, and homeowner.
  • Farm Bureau may include discounts for driver training, renewal discount, multi-vehicle, good student, safe driver, and youthful driver.
  • State Farm may offer discounts for Steer Clear safe driver discount, multiple policy, defensive driving training, good student, student away at school, multiple autos, and driver’s education.
  • Allstate offers discounts for utility vehicle, premier plus, good payer, eSmart discount, and passive restraint.
  • GEICO policyholders can earn discounts including membership and employees, good student, military active duty, multi-vehicle, and defensive driver.

Before buying, ask each company or agent the best way to save money. Some credits may not be available in your area.

Your situation helps dictate your coverage

When choosing adequate coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions can help discover whether or not you would benefit from professional advice.

  • Do I need roadside assistance coverage?
  • I have health insurance so do I need medical payments coverage?
  • Can I afford to buy a different vehicle if my 1999 Volkswagen New Beetle is totaled?
  • Are split liability limits better than a combined single limit?
  • Is business property covered if stolen from my car?
  • Is there coverage for injuries to my pets?
  • Does my 1999 Volkswagen New Beetle need full coverage?
  • Do I need more liability coverage?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Components of your Volkswagen New Beetle insurance premiums

Consumers need to have an understanding of some of the factors that come into play when calculating the price you pay for insurance coverage. When consumers understand what determines base rates, this allows you to make good choices that could result in lower premium levels. Many different elements are part of the equation when quoting car insurance. Some factors are common sense like an MVR report, but other criteria are more transparent like where you live and annual miles driven.

  • Save money by raising comp and collision deductibles – Physical damage deductibles define the amount you are required to pay before a claim is paid by your company. Insurance for physical damage to your car, aka comp and collision, insures against damage to your car. Some examples of covered claims could be collision with another vehicle, damage caused by hail, or theft of your vehicle. The larger the amount you’re willing to pay, the less your insurance coverage will be for New Beetle insurance.
  • Experienced drivers save more – Older people are shown to be more cautious, tend to file fewer claims and receive fewer citations.Drivers with little experience are statistically shown to be inattentive and easily distracted in a vehicle so they pay higher insurance coverage rates.
  • Occupation can influence premiums – Careers like judges, executives and stock brokers tend to have the highest rates in part from high stress levels and lots of time spent away from family. On the flip side, jobs such as farmers, athletes and the unemployed pay the least for New Beetle insurance.
  • Drive less and pay lower prices – The higher the miles on your Volkswagen every year the more you’ll pay to insure your vehicle. Most insurance companies calculate prices based upon how the vehicle is primarily used. Cars and trucks used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. An improperly rated New Beetle may be costing you. Make sure your declarations sheet shows the right rating data, because it can save money.
  • Why do you need liability? – Liability coverage will afford coverage when you are found liable for damages caused by your negligence. Your liability coverage provides for a legal defense which can be incredibly expensive. Liability insurance is pretty cheap compared to other policy coverages, so insureds should have plenty of protection for their assets.

Car insurance coverage breakdown

Knowing the specifics of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by car insurance companies.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a bird, hitting a deer, damage from getting keyed and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability

This coverage can cover injuries or damage you cause to people or other property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like emergency aid, bail bonds, medical services, loss of income and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for things like rehabilitation expenses, chiropractic care, nursing services, surgery and dental work. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

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. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for collisions

This coverage covers damage to your New Beetle resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like scraping a guard rail, crashing into a building and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Power to the consumer

When searching for cheaper insurance coverage quotes, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to find out that the savings was not a smart move. The aim is to purchase plenty of coverage at the best possible price while still protecting your assets.

You just read many tips how you can compare 1999 Volkswagen New Beetle insurance rates online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the lowest rates come from the smaller companies. Some small companies can often provide lower car insurance rates in certain areas than their larger competitors like Allstate, GEICO and Progressive.

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