2003 Volkswagen New Beetle Insurance Cost – 10 Tricks for Cheapest Prices

Trying to find better car insurance rates for your Volkswagen New Beetle? Expensive Volkswagen New Beetle insurance can empty your savings account and make it tough to pay other bills. Comparing cost estimates is free, only takes a few minutes, and is a good way to lower your bills every month.

Because you have many choices, it is very difficult to find the lowest cost company.

It’s a good habit to compare prices on a regular basis because prices are variable and change quite frequently. Just because you found the best deal on New Beetle coverage two years ago you can probably find a better rate now. You can find a lot of misleading information regarding car insurance on the web, but I’m going to show you some great ways to save money.

The fastest way that we advise to compare policy rates takes advantage of the fact all the major auto insurance companies participate in online systems to quote your coverage. The only thing you need to do is provide information like if you went to college, how your vehicles are used, whether or not you need a SR-22, and whether your vehicle is owned or leased. Those rating factors is then submitted to multiple car insurance providers and they return rate quotes quickly.

Insurance ads are enticing

Popular insurance providers such as Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies advertise claims about saving some big amount if you just switch your insurance policy to them. How is it plausible that every one can give you a better price? You have to listen carefully.

Different companies have specific guidelines for the type of customer that makes them money. An example of a profitable risk profile may be between 25 and 40, has no driving citations, and drives a lower-performance vehicle. Any customer that fits those parameters will get a cheap rate quote and have a good chance to save a lot of money.

Insureds who fall outside this ideal profile will probably be forced to pay higher premium rates with the end result being the customer buying from a different company. The trick companies use is to say “drivers who switch” but not “all drivers who get quotes” save that much money. That’s why companies can truthfully make the claims of big savings. Because of the profiling, it is so important to get insurance quotes as often as possible. You cannot predict which company will have the best car insurance rates.

Get cheap auto insurance quotes with discounts

Companies that sell car insurance don’t necessarily list all possible discounts in a way that’s easy to find, so the following list contains some of the best known as well as the least known credits available to lower your premiums when you buy insurance online. If you are not receiving all the discounts possible, it’s possible you qualify for a lower rate.

  • Theft Deterent System – Vehicles that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Memberships – Being in a civic or occupational organization may earn a discount on your bill.
  • Driving Data Discount – Insureds that choose to allow driving data submission to scrutinize their driving habits by using a small device installed in their vehicle like Allstate’s Drivewise might get better premium rates if they show good driving skills.
  • Low Mileage – Keeping the miles down on your Volkswagen may allow you to get substantially lower premium rates.
  • Discount for New Cars – Buying a new car instead of a used car can be considerably cheaper since newer vehicles are generally safer.
  • Homeowners Pay Less – Owning your own home or condo can save a few bucks since owning and maintaining a home is proof of financial responsibility.
  • Discounts for Responsible Drivers – Insureds without accidents can save up to 40% or more on their insurance quote on New Beetle coverage than drivers with accident claims.
  • E-sign – A handful of auto insurance companies may give you up to $50 for buying your policy over the internet.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may earn rate discounts of 25 to 30%.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. Despite the fact that it seems like you could get a free auto insurance policy, it doesn’t quite work that way.

A few of the larger companies and their offered discounts are detailed below.

  • Farmers Insurance may include discounts for electronic funds transfer, multi-car, teen driver, distant student, youthful driver, mature driver, and good student.
  • Esurance offers premium reductions for Switch & Save, multi-car, online shopper, multi-policy, online quote, emergency road assistance, and homeowner.
  • State Farm discounts include multiple autos, anti-theft, accident-free, good student, and student away at school.
  • GEICO has discounts for anti-lock brakes, emergency military deployment, good student, defensive driver, federal employee, and membership and employees.
  • Allstate may have discounts that include FullPay discount, good payer, farm vehicle, premier discount, and passive restraint.

When quoting, ask all companies you are considering which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policyholders in your area.

Tailor your auto insurance coverage to you

When buying the right insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if you may require specific advice.

  • Am I better off with higher deductibles on my 2003 Volkswagen New Beetle?
  • How do I buy GAP insurance?
  • Should I buy full coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Exactly who is provided coverage by my policy?
  • Is my Volkswagen New Beetle covered if I use it for business?
  • When should my teen driver be added to my policy?
  • What are the best liability limits?
  • What is high-risk coverage and where do I buy it?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Auto insurance coverage basics

Knowing the specifics of a auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are the normal coverages found on most auto insurance policies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for bills for things like X-ray expenses, pain medications, surgery and funeral costs. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Auto collision coverage

This will pay to fix damage to your New Beetle caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a parking meter, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Auto liability

This coverage provides protection from damages or injuries you inflict on other’s property or people. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as funeral expenses, attorney fees, pain and suffering and structural damage. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, hitting a deer, damage from flooding and hitting a bird. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses 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. This is the reason having UM/UIM coverage is a good idea.

One last thing about your coverage

We’ve covered a lot of tips how to compare 2003 Volkswagen New Beetle insurance prices online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with some of the smallest insurance companies. They may only write in your state and offer lower rates than their larger competitors like State Farm and Allstate.

Some insurance companies may not provide rates over the internet regional carriers work with independent agencies. Cheap 2003 Volkswagen New Beetle insurance is definitely available on the web as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from.

When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. There have been many situations where an insured dropped full coverage only to discover later that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage at the best price.

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