Cheap 2000 Volkswagen New Beetle Car Insurance Quotes

Trying to find the cheapest car insurance rates for your Volkswagen New Beetle? Searching for the cheapest insurance for a Volkswagen New Beetle can normally be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to compare car insurance rates so we’re going to tell you the proper way to price shop coverage for a new or used Volkswagen and obtain the best price possible from both online companies and local agents.

You should take the time to do price comparisons every six months because insurance rates tend to go up over time. If you had the best deal on New Beetle coverage a few years ago the chances are good that you can find a lower price today. Ignore everything you know about car insurance because I’m going to teach you one of the best ways to remove unneeded coverages and save money.

If you have a policy now or are looking for a new policy, you can use these tips to cut your premiums while maintaining coverages. Buying the lowest cost coverage is easy if you know what you’re doing. Vehicle owners just need to know the tricks to compare company rates over the internet.

Smart buyers know how to quote insurance coverage for less

Smart consumers have a good feel for the rating factors that aid in calculating your insurance coverage rates. If you know what determines base rates, this enables you to make decisions that could result in better insurance coverage rates. Lots of factors are considered when you get your auto insurance bill. Some of the criteria are obvious such as traffic violations, but some are not as apparent like your continuous coverage or your vehicle rating.

The list below includes some of the major factors used by companies to determine your rates.

  • Where you call home can influence premiums – Residing in less populated areas of the country can be a good thing when trying to find low car insurance rates. Fewer drivers and short commutes means a lower chance of having an accident in addition to lower liability claims People who live in big cities have much more traffic and a longer drive to work. More time on the road means higher likelihood of an accident.
  • Cars with good safety ratings impact rates – Driving a car that has an advanced theft prevention system can get you a discount on your insurance coverage. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms can help prevent auto theft and help lower rates.
  • Get cheaper rates if you’re married – Being married may cut your premiums compared to being single. Having a significant other generally demonstrates drivers are more stable financially it has been statistically shown that married couples file fewer claims.
  • Teen driver insurance prices – Youthful drivers are known to be less responsible when at the wheel of a vehicle and because of this, their insurance coverage rates are much higher. Having to add a teen driver onto a policy can break the bank. Older, more experienced drivers tend to be more responsible, cause fewer claims and accidents , and usually have better credit.
  • Limits of liability insurance – Liability coverage will afford coverage when you are determined to be liable for personal injury or accident damage. It provides legal defense coverage to defend your case. This coverage is relatively inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
  • Bundling policies can get discounts – Most larger companies apply a discount for people who buy several policies from them, otherwise known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even if you already get this discount, it’s still a good idea to compare rates to ensure the best deal.
  • Save money by eliminating extra coverages – Policies have additional coverages that may not really be needed if you aren’t careful. Insurance for things like roadside assistance, accident forgiveness, and Farm Bureau memberships may not be needed and are just wasting money. They may seem like a good idea when deciding what coverages you need, but if they’re wasting money think about removing them and cutting costs.
  • Women tend to cost less – Statistics have proven that women are safer drivers than men. This data doesn’t prove that females are better drivers. Females and males have accidents in similar percentages, but the males have accidents that have higher claims. They also get cited for more serious violations like reckless driving and DUI.

Cheaper insurance quotes with discounts

Properly insuring your vehicles can get expensive, but there could be available discounts to help offset the cost. Certain discounts will be applied when you purchase, but some discounts are required to be specifically requested in order for you to get them.

  • No Accidents – Good drivers with no accidents have much lower rates when compared to drivers with a long claim history.
  • Good Driver Discount – Insureds without accidents can save as much as half off their rates on New Beetle coverage than their less cautious counterparts.
  • Service Members Pay Less – Being on active deployment in the military could qualify you for better premium rates.
  • Bundle and Save – If you have multiple policies and insure them with the same company you could earn a discount of as much as 10 to 15 percent.
  • New Vehicle Savings – Adding a new car to your policy may earn a small discount since newer models are generally safer.
  • Online Discount – A few insurance companies will give you a small discount for buying your policy on the internet.

One thing to note about discounts is that most discounts do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, insurance companies aren’t that generous. But any discount will definitely lower your overall bill.

Larger insurance companies and a partial list of their discounts are shown below.

  • State Farm offers discounts including Drive Safe & Save, multiple autos, defensive driving training, driver’s education, good student, and anti-theft.
  • Farmers Insurance offers premium reductions for early shopping, mature driver, alternative fuel, good student, teen driver, and electronic funds transfer.
  • Progressive discounts include online quote discount, online signing, good student, multi-vehicle, continuous coverage, multi-policy, and homeowner.
  • GEICO policyholders can earn discounts including five-year accident-free, seat belt use, daytime running lights, defensive driver, good student, and driver training.
  • Auto-Owners Insurance may offer discounts for multi-policy, anti-lock brakes, anti-theft, paperless, teen driver, and student away at school.
  • The Hartford includes discounts for air bag, anti-theft, driver training, good student, defensive driver, bundle, and vehicle fuel type.
  • Farm Bureau offers discounts for youthful driver, renewal discount, driver training, multi-vehicle, and 55 and retired.
  • USAA may have discounts that include driver training, family discount, multi-vehicle, multi-policy, and loyalty savings.

If you want affordable auto insurance quotes, ask every prospective company how many discounts you can get. All car insurance discounts may not apply to policyholders in your area.

Tailor your auto insurance coverage to you

When buying adequate coverage, there isn’t really a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.

  • Am I covered when driving in Canada or Mexico?
  • Is a blown tire covered by insurance?
  • Is upholstery damage covered by car insurance?
  • What happens if I owe more than my 2000 Volkswagen New Beetle is worth?
  • When would I need rental car insurance?
  • Am I covered if my car is in a flood?

If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Educate yourself about car insurance coverages

Knowing the specifics of your car insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, falling objects, damage from getting keyed, a broken windshield and hitting a deer. The maximum amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

This coverage will pay to fix damage to your New Beetle resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as backing into a parked car, sideswiping another vehicle, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Volkswagen New Beetle.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally these coverages are set the same as your liablity limits.

Insurance for medical payments

Med pay and PIP coverage pay for short-term medical expenses like dental work, X-ray expenses, rehabilitation expenses, funeral costs and chiropractic care. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability

This can cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims like structural damage, medical expenses and loss of income. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Keep this in mind

When searching for inexpensive auto insurance quotes, don’t be tempted to buy poor coverage just to save money. There have been many situations where someone dropped comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at a price you can afford, but don’t skip important coverages to save money.

In this article, we covered quite a bit of information on how to reduce 2000 Volkswagen New Beetle insurance premium rates online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding cheaper auto insurance. Consumers may even find the lowest premium rates are with some of the smallest insurance companies.

Lower-priced auto insurance is available on the web in addition to local insurance agencies, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who do not provide online rate quotes and these smaller companies work with independent insurance agents.

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