Cheap 2010 Volkswagen New Beetle Car Insurance Quotes

Wish you could get out of an underperforming, overpriced car insurance policy? Say no more because you’re not the only one.

There is such a variety of car insurance companies to choose from, and although it’s a good thing to have multiple companies, too many choices makes it more difficult to compare company pricing.

First Step: Get free car insurance quotes

When looking for cheaper insurance quotes, there are a couple ways to compare rate quotes from many available car insurance companies in your state. The best method to find competitive 2010 Volkswagen New Beetle insurance rates is to jump online and get quotes. This can be accomplished in a couple minutes as outlined below.

Hands down the most simple method to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This method saves time by eliminating separate forms for each company you want a rate for. One form submission will return quotes from multiple low-cost companies.

A more time consuming way to analyze rates consists of going to the website for each individual company and request a quote. For instance, we’ll assume you want to compare prices for Nationwide, Farmers and Progressive. You would need to go to each individual site and enter your policy data, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just ensure you’re using exactly the same information for every quote you compare. If the quotes have different coverage information it will be impossible to determine the best price for your Volkswagen New Beetle. Slightly different coverage limits could skew the results. It’s important to know that having more price comparisons provides better odds of finding a better price. Not every company allows you to get online quotes, so it’s necessary to compare rates from the smaller companies as well.

Auto Insurance Discounts

Car insurance companies don’t always advertise their entire list of discounts in a way that’s easy to find, so we took the time to find some of the best known as well as some of the hidden discounts you could be receiving when you buy insurance online.

  • Responsible Driver Discount – Drivers who avoid accidents may receive a discount up to 45% on New Beetle insurance compared to accident prone drivers.
  • Driver Safety – Completing a class that teaches safe driver techniques could cut 5% off your bill and also improve your driving technique.
  • No Charge for an Accident – but companies like Liberty Mutual, Allstate and State Farm may permit one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • E-sign Discounts – Some companies will discount your bill up to fifty bucks simply for signing on the web.
  • Distant College Student Discount – Youth drivers who attend college more than 100 miles from home and do not have a car may qualify for this discount.
  • Accident-Free Discounts – Insureds who avoid accidents and claims get the best auto insurance rates as opposed to accident-prone drivers.

As a sidenote, most credits do not apply to the entire cost. The majority will only reduce specific coverage prices like comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, nobody gets a free ride.

If you would like to see a list of providers with discount rates, click here to view.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions could help you determine whether your personal situation will benefit from professional help.

  • Is my teen driver covered when they drive my company car?
  • When should I remove comp and collision on my 2010 Volkswagen New Beetle?
  • When can my company non-renew my policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How high should deductibles be on a 2010 Volkswagen New Beetle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • When should I not file a claim?

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

Learn how to get car insurance more affordably

Consumers need to have an understanding of the rating factors that help calculate the rates you pay for car insurance. When consumers understand what impacts premium levels, this empowers consumers to make smart changes that could help you find lower car insurance prices.

Listed below are a partial list of the pieces car insurance companies consider when setting your premiums.

  • Rental and towing coverage may not be needed – Insurance companies have many extra add-on coverages that can waste your money but may not be useful. Add-on coverages like personal injury protection, towing coverage, and extra equipment coverage may be wasting your money. These may sound like a good investment when buying your policy, but if you’ve never needed them in the past eliminate them to save money.
  • Avoid coverage lapses – Having a gap between insurance policy dates is a sure-fire way to bump up your car insurance costs. In addition to paying higher premiums, the inability to provide proof of insurance can result in a fine, jail time, or a revoked license.
  • Traffic violations can be expensive – Your driving citation history impacts your car insurance rates tremendously. Having just one driving citation can boost insurance rates by as much as thirty percent. Good drivers have lower premiums as compared to careless drivers. Drivers unfortunate enough to have careless citations such as hit and run, DWI or reckless driving convictions may be required to prove financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.
  • Raising comp and collision deductibles lowers prices – Physical damage deductibles are the amount of money you are required to spend in the event of a claim. Physical damage protection, also called ‘full coverage’, is used to repair damage to your car. Some examples of claims that would be covered would be colliding with a stationary object, vandalism, and damage from wind. The more damage repair cost the insured is willing to pay, the less your company will charge you for insurance on New Beetle insurance.
  • Less chance of injury means lower premiums – Vehicles that have high safety ratings cost less to insure. Vehicles engineered for safety result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and cheaper rates on your policy. If the Volkswagen New Beetle has ratings of a minimum four stars on Safercar.gov you may pay a lower rate.

But the ad said I’d save 15% in 15 minutes!

Well-known insurance companies like State Farm, Allstate and GEICO continually stream ads on television and other media. They all seem to convey the message that drivers will save a bundle after switching your coverage. How does each company charge you less for car insurance? Here is how they do it.

Insurance providers look for specific characteristics for the type of driver that will not have excessive claims. For example, this type of driver may need to be a married male, has few claims, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications will probably get cheap rates and most likely will save when they switch companies.

Potential insureds who are not a match for the “perfect” profile will see a higher premium which leads to the prospect going elsewhere. The ads state “customers who switch” but not “all drivers who get quotes” save that much when switching. That’s the way companies can make claims like that.

Because every company is different, you should get a wide range of price quotes. It is impossible to predict which insurance companies will fit you best based on your risk profile.

Coverages available on your insurance policy

Understanding the coverages of insurance can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages offered by insurance companies.

Liability coverages

This protects you from damage or injury you incur to a person or their property by causing an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims like attorney fees, repair costs for stationary objects, emergency aid and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills like pain medications, doctor visits, dental work, nursing services and chiropractic care. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, fire damage, falling objects and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, colliding with a tree, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Volkswagen New Beetle.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Shop around and save

You just read many tips how you can save on 2010 Volkswagen New Beetle insurance. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding low cost insurance. Drivers may discover the lowest priced auto insurance comes from a lesser-known regional company. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like GEICO and State Farm.

More affordable auto insurance can be found both online in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers may not offer the ability to get a quote online and most of the time these smaller providers prefer to sell through independent agents.

For more information, feel free to browse the articles below: