Compare 2002 Volkswagen New Beetle Insurance Cost

Want better car insurance rates for your Volkswagen New Beetle? Having to pay for overpriced Volkswagen New Beetle insurance can deplete your savings and maybe even restrict other spending.

Multiple auto insurance companies compete for your business, so it can be very hard to choose a insurance company and uncover the absolute lowest price

It’s smart to shop coverage around at least once a year since rates change quite often. Just because you found the best deal for New Beetle coverage on your last policy you will most likely find a better price today. Forget all the misinformation about car insurance because you’re about to learn one of the best ways to reduce your cost while improving coverage.

Save a ton with these insurance coverage discounts

Car insurance companies don’t always publicize the complete list of policy discounts very clearly, so the following is a list of some of the best known as well as some of the hidden ways to save on insurance coverage.

  • Good Student – Performing well in school may save you up to 25%. Most companies allow this discount well after school through age 25.
  • Telematics Devices – Drivers who agree to allow driving data submission to monitor their driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction as long as the data is positive.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower insurance coverage rate if you buy life insurance from them.
  • Paperwork-free – Some of the larger companies provide a small discount simply for signing online.
  • Discounts for New Vehicles – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Defensive Driver – Completing a defensive driving class can save you 5% or more if you qualify.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in high school.
  • Pay Upfront and Save – If you pay your entire premium ahead of time as opposed to paying monthly you can avoid monthly service charges.
  • Sign Early and Save – Some insurance coverage companies give discounts for buying a policy before your current expiration date. The savings is around 10%.
  • Policy Bundle Discount – If you insure your home and vehicles and place coverage with the same company you could earn a discount of 10% to 20% off each policy.

Keep in mind that most discounts do not apply to the overall cost of the policy. Most cut specific coverage prices like liability, collision or medical payments. Despite the appearance that it’s possible to get free car insurance, companies wouldn’t make money that way.

To choose insurers that provide some of the discounts listed above, click here to view.

Car insurance can get complicated

When it comes to buying coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique and your policy should reflect that. For example, these questions can aid in determining whether or not you would benefit from professional advice.

  • Do I need medical payments coverage since I have good health insurance?
  • What should my uninsured motorist coverage limits be in my state?
  • Does my personal policy cover me when driving out-of-state?
  • What is the minimum liability in my state?
  • Exactly who is provided coverage by my policy?
  • When would I need additional glass coverage?
  • Does my car insurance cover rental cars?
  • Does my policy cover my teen driver if they drive my company car?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Insurance advertisements

Insurance companies such as State Farm and Allstate endlessly run ads on television and other media. All the companies state the claim that drivers will save a bundle if you just switch your policy. How can each company charge you less for car insurance?

Companies quote their best rates for the type of customer that will not have excessive claims. A good example of a profitable insured may be between 30 and 50, has no tickets, and has excellent credit. A customer getting a price quote who matches those parameters will qualify for the lowest rates and will save money with a new company.

Drivers who cannot meet those criteria will probably be forced to pay higher prices which results in the customer buying from a different company. The ad wording is “people who switch” not “everyone who quotes” will save that much if they switch. That’s the way companies can truthfully make claims that they all have the best car insurance rates.

This really drives home the point why you should get insurance coverage quotes from several different companies. It is just not possible to predict which company will fit your personal profile best.

Learn about car insurance coverages for a Volkswagen New Beetle

Understanding the coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average car insurance policy.

Collision coverages – This will pay to fix damage to your New Beetle from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a mailbox, sustaining damage from a pot hole, colliding with a tree, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Liability auto insurance – This coverage protects you from damage or injury you incur to a person or their property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims like pain and suffering, repair costs for stationary objects, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Volkswagen New Beetle.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are set the same as your liablity limits.

Comprehensive protection – This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from flooding, hitting a bird, fire damage and theft. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for bills like ambulance fees, nursing services and dental work. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Find Good Coverage for Less

As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped full coverage only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible for the lowest cost while not skimping on critical coverages.

Some insurance companies may not provide rate quotes online and many times these smaller providers provide coverage only through independent agents. Budget-friendly insurance is definitely available from both online companies and from local agencies, and you should compare price quotes from both to get a complete price analysis.

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