2006 Volkswagen New Beetle Insurance Cost – 6 Ways to Save

Searching for lower insurance rates for your Volkswagen New Beetle? Feel like you’re a prisoner to high-priced insurance? It’s quite common and there are lots of residents who feel the same.

Big-name insurance companies like Progressive, GEICO and Farmers Insurance increase brand awareness with TV and radio ads and it is difficult to see past the corporate glitz and effectively compare rates to find the best deal.

How to buy car insurance online

There are a lot of ways to compare car insurance prices but one way is less time-consuming than others. You can spend countless hours talking about coverages with local insurance agents in your area, or you could use online quoting to get pricing more quickly.

Many popular insurance companies are enrolled in a marketplace where prospective buyers submit their information once, and at least one company provides a quote based on the submitted data. This saves time by eliminating form submissions for every car insurance company. To compare rates using this form now click here (opens in new window).

One minor caviat to getting quotes like this is that you can’t choose which carriers you want to price. So if you prefer to choose specific providers to compare rates, we have a page of car insurance companies in your area. Click here to view list.

Whichever way you choose to compare rates, do your best to use the exact same coverage information on every quote. If you are comparing different values for each quote then you won’t be able to find the best deal for your Volkswagen New Beetle. Having just a slight variation in insurance coverages can make a big difference in price. Keep in mind that obtaining a wide range of quotes will improve the odds of getting better pricing. Not every company does quotes online, so it’s important to compare rates on coverage from those companies, too.

Don’t believe everything you hear

Companies like GEICO, State Farm and Progressive constantly bombard you with ads on television and other media. All the companies advertise claims about how much you will save if you get a free insurance coverage quote and switch to them. How does every insurance coverage company charge lower premium rates? This is the way they can do it.

Companies have specific guidelines for the type of insured that earns them a profit. A good example of a profitable insured could be a female over age 40, has no prior claims, and drives a car with an anti-theft system. Any new insured who matches that profile will qualify for the lowest rates and will most likely save quite a bit of money when switching.

Potential insureds who fall short of these criteria will probably be forced to pay higher rates with the end result being the prospect going elsewhere. If you listen to the ad wording, they say “drivers who switch” but not “all drivers who get quotes” save that much when switching. That’s why insurance companies can make those statements. That is why you really should do a rate comparison at every renewal. It’s just too difficult to predict the company that will have better premium rates than you’re paying now.

Take advantage of every car insurance discount

Some insurance providers don’t necessarily list every disount available very clearly, so below is a list a few of the more well known and the more hidden credits that may apply to you.

  • Accident Forgiveness Coverage – Not really a discount, but certain companies will allow you to have one accident before your rates go up as long as you don’t have any claims prior to being involved in the accident.
  • Telematics Data – Policyholders that allow their car insurance company to look at when and where they use their vehicle remotely like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they exhibit good driving behavior.
  • Drive Safe and Save – Accident-free drivers can pay as much as 50% less for New Beetle coverage than drivers with accident claims.
  • College Student – Youth drivers who live away from home to go to college without a vehicle on campus may be able to be covered for less.
  • Defensive Driving Course – Taking part in a class that teaches defensive driving techniques is a good idea and can lower rates and easily pay for the cost of the class.
  • Government Employee Discount – Federal government employees can earn a discount up to 10% for New Beetle coverage depending on your company.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, insurance companies wouldn’t stay in business. Any amount of discount should help lower the cost of coverage.

Large car insurance companies and their offered discounts include:

  • State Farm policyholders can earn discounts including good student, safe vehicle, defensive driving training, multiple policy, and anti-theft.
  • American Family may have discounts that include mySafetyValet, multi-vehicle, air bags, good student, and TimeAway discount.
  • GEICO may offer discounts for multi-vehicle, membership and employees, emergency military deployment, anti-lock brakes, good student, and air bags.
  • 21st Century has discounts for 55 and older, anti-lock brakes, driver training, student driver, good student, defensive driver, and theft prevention.
  • Progressive includes discounts for continuous coverage, good student, homeowner, online quote discount, and multi-policy.

If you need affordable insurance coverage quotes, ask every insurance company which discounts you may be entitled to. Some discounts listed above may not apply in your area. To view providers that offer the discounts shown above, click here.

How to know if you need help

When it comes to choosing coverage for your vehicles, there really is not a one size fits all plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • How much liability insurance is required?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What should my uninsured motorist coverage limits be in my state?
  • Does coverage extend to Mexico or Canada?
  • Is my trailer covered?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with 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.

Auto insurance policy coverages for a Volkswagen New Beetle

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages found on most auto insurance policies.

Liability auto insurance – Liability coverage will cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from claims by other people, 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. You might see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like bail bonds, loss of income and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like funeral costs, rehabilitation expenses, nursing services and surgery. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Volkswagen New Beetle.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Comprehensive protection – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hail damage, damage from getting keyed, rock chips in glass and theft. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

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

Collision insurance covers things such as hitting a parking meter, hitting a mailbox, rolling your car, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also raise the deductible to save money on collision insurance.

A tidy conclusion

When getting insurance coverage quotes online, do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut liability coverage limits only to find out that they should have had better coverage. Your aim should be to get the best coverage possible at the best possible price but still have enough coverage for asset protection.

Discount 2006 Volkswagen New Beetle insurance is possible from both online companies and from local agencies, and you need to comparison shop both to have the best selection. Some insurance coverage companies don’t offer online rate quotes and most of the time these smaller companies work with independent agents.

More tips and info about insurance coverage is located in the articles below: