Lower Your 2004 Volkswagen New Beetle Car Insurance Cost

There isn’t a single person who likes having to buy insurance, especially when the cost is too high. Drivers have so many auto insurance companies to purchase coverage from, and although it’s nice to have a selection, it makes it harder to find the lowest rates.

It is always a good idea to quote other rates as often as possible because prices are adjusted regularly by insurance companies. Just because you had the lowest rates for New Beetle coverage last year you may be paying too much now. Forget all the misinformation about insurance because we’re going to demonstrate the best methods to properly buy coverages while reducing your premium.

How to compare insurance quotes

Getting a low cost price on 2004 Volkswagen New Beetle insurance is a great way to save money. All that’s required is to take a few minutes comparing rate quotes from online providers. You can get a good selection of rate quotes using a couple different methods.

  • If you are pressed for time, the simplest way to find low rates would be an industry-wide quote request form click here to open form in new window. This type of form saves time by eliminating separate quotation requests for every company. One simple form gets you price quotes from insurance companies with the best prices.
  • Another way to analyze rates requires you to visit the website of each company to request a price quote. For sake of this example, we’ll assume you want to get rates from GEICO, Farmers and American Family. In order to compare rates, you need to take the time to go to each site and repeatedly type in your coverage information, which can get rather old. For a list of companies in your area, click here.

Whichever way you choose to compare rates, be sure you’re using equivalent quote data for each quote you get. If each company quotes different limits and deductibles on each one it will be nearly impossible to make a fair rate comparison.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions may help you determine whether you would benefit from an agent’s advice.

  • Do I need more liability coverage?
  • Should I carry comprehensive and collision coverage?
  • Is my 2004 Volkswagen New Beetle covered for smoke damage?
  • When should my teen driver be added to my policy?
  • Can I afford low physical damage deductibles?
  • Who is covered by my policy?
  • What is roadside assistance coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • How do I file an SR-22 for a DUI in my state?
  • If my 2004 Volkswagen New Beetle is totaled, can I afford another vehicle?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area. It’s fast, free and can provide invaluable advice.

Car insurance coverages 101

Knowing the specifics of your car insurance policy can help you determine the best coverages for your vehicles. Car insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most car insurance policies.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for bills for things like funeral costs, nursing services and dental work. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Liability – Liability insurance provides protection from damages or injuries you inflict on a person or their property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as court costs, medical expenses, pain and suffering and funeral expenses. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Volkswagen New Beetle.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.

Collision – Collision insurance covers damage to your New Beetle from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like driving through your garage door, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, rock chips in glass and hail damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.