How Much Does 2007 Volkswagen New Beetle Car Insurance Cost?

Want the cheapest auto insurance rates for your Volkswagen New Beetle? Sick and tired of robbing Peter to pay Paul to buy auto insurance? You are in the same boat as many other consumers.

You have multiple insurers to insure vehicles with, and although it’s nice to have a choice, too many choices makes it more difficult to get the best deal.

More discounts mean cheap premiums

Companies don’t necessarily list every possible discount very clearly, so we break down some of the best known and the harder-to-find savings tricks you should be using when you buy car insurance online.

  • ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Switch and Save Discount – A few insurance companies allow discounts for signing up prior to the expiration date on your current policy. It’s a savings of about 10%.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you may have a lower total premium amount.
  • Telematics Data – People who choose to allow driving data collection to look at vehicle usage by installing a telematics device such as State Farm’s In-Drive could save a few bucks as long as the data is positive.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can receive discounts as much as 30%.
  • Bundled Policy Discount – If you have multiple policies with one insurance company you could save up to 20% off your total premium.
  • Organization Discounts – Belonging to a civic or occupational organization may earn a discount on your bill.

It’s important to understand that most discount credits are not given to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Even though it appears you would end up receiving a 100% discount, it just doesn’t work that way.

To see a list of auto insurance companies that provide some of the discounts listed above, click this link.

It’s not one size fits all

When buying the best insurance coverage coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is unique and your policy should reflect that. For example, these questions might point out if you would benefit from an agent’s advice.

  • Where can I find DUI or SR-22 insurance?
  • Am I insured when driving a different vehicle?
  • Why is insurance for a teen driver so high?
  • What is PIP insurance?
  • Will my rates increase for filing one claim?
  • Are my friends covered when driving my car?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Slick advertising tricks that work

State Farm, GEICO and Progressive regularly use ads on TV and radio. They all seem to try to convey promises about saving some big amount if you change to them. How is it plausible that every one can give you a lower rate?

Insurance providers quote their best rates for the type of customer that earns them a profit. One example of a desirable risk should be between 30 and 50, carries full coverage, and chooses high deductibles. A driver that fits those parameters will get a cheap rate quote as well as save a lot of money.

Drivers who are not a match for the requirements will be charged a higher rate with the end result being the driver buying from a lower-cost company. The trick companies use is to say “people that switch” not “all people who quote” save money. This is how insurance companies can make claims like that.

Because of this risk profiling, drivers must quote coverage with many companies. It’s just too difficult to predict with any certainty which company will fit you best based on your risk profile.

Information about specific coverages

Knowing the specifics of a car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average car insurance policy.

Liability coverage

Liability insurance can cover damage or injury you incur to other people or property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like loss of income, court costs, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as rehabilitation expenses, nursing services, hospital visits and ambulance fees. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage pays for damage to your New Beetle resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a parking meter, colliding with a tree, backing into a parked car, sideswiping another vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Volkswagen New Beetle.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

This covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as vandalism, damage from flooding and damage from getting keyed. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Do the work, save more money

We covered many ideas to shop for 2007 Volkswagen New Beetle insurance online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may even find the most savings is with an unexpected company. These companies may only write in your state and offer lower premium rates compared to the large companies like State Farm, GEICO and Nationwide.

When buying insurance coverage, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where consumers will sacrifice liability coverage limits only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

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