1998 Volkswagen New Beetle Insurance Cost

Looking for cheaper insurance coverage rates for your Volkswagen New Beetle? No car owner is fond of buying insurance coverage, especially when their premiums are through the roof. Many insurance companies vie for your insurance dollar, and it can be difficult to compare rates to get the lowest rate

It’s a good idea to get comparison quotes before your policy renews since insurance rates change quite often. Despite the fact that you may have had the lowest rate for New Beetle coverage last year there may be better deals available now. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the best way to find the best coverage while lowering your premiums.

Smart consumers know how to quote auto insurance cheaper

When buying auto insurance it’s important to understand some of the things that play a part in calculating your premiums. When you understand what influences your rates, this enables informed choices that could help you find better auto insurance rates.

  • Better auto insurance rates on cars with good safety ratings – Vehicles that have high safety ratings tend to have better insurance rates. The safest vehicles result in less severe injuries and fewer injuries translates directly to fewer claims and lower rates for you. If the Volkswagen New Beetle earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • Older drivers save more – Teen drivers are known to be careless and easily distracted behind the wheel and because of this, their auto insurance rates are much higher. Having to add a beginning driver to your auto insurance policy can be quite pricey. Older insureds are more cautious drivers, cost insurance companies less in claims , and usually have better credit.
  • Do you really need to file that policy claims? – Insurance companies generally give discounts to insureds who are claim-free. If you tend to file frequent claims, you can pretty much guarantee increased rates or even have your policy non-renewed. Your car insurance is intended for claims that pose a financial burden.
  • Gender impacts rates – Statistics have proven that women are safer drivers than men. The data does not necessarily mean that women are better drivers. Both genders cause auto accidents in similar numbers, but guys cause more damage. They also get ticketed for serious violations like reckless driving and DUI. Young men ages 16 to 20 have the highest risk to insure and therefore pay the highest rates.

The most recommended method to get policy rate comparisons is to realize most of the bigger providers actually pay money for the chance to give rate comparisons. All you need to do is take a few minutes to give details including how much school you completed, if it has an anti-theft system, the make and model of your vehicles, and driver ages. The data is submitted instantly to insurance carriers in your area and they return quotes almost instantly.

To check car insurance prices now, click here and enter the information requested.

Save $467 a year. For real?

Drivers can’t get away from all the ads that promise big savings from the likes of Allstate and Progressive. All the companies try to convey promises about savings if you get a free car insurance quote and switch your policy.

But how can every company make the same claim? This is how they do it.

Companies offer their best rates for a prospective insured that earns them the most money. An example of a profitable insured could be between the ages of 30 and 45, has a clear driving record, and drives a safe vehicle. A driver who matches those parameters receive the lowest rate quotes and will most likely save money with a new company.

Potential customers who don’t meet the ideal profile will probably have to pay a more expensive rate and this can result in the customer not buying. If you listen closely, the ads state “drivers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s the way insurance companies can confidently make it sound like they have such great prices. This emphasizes why drivers should get as many free car insurance quotes as possible. It is impossible to guess the company that will have the lowest rate quotes.

Discount insurance coverage quotes

Some insurers don’t always publicize every available discount very clearly, so the following list contains both the well known as well as the least known savings tricks you should be using when you buy car insurance online.

  • Cautious Drivers – Drivers who avoid accidents can save as much as half off their rates for New Beetle coverage than their less cautious counterparts.
  • Own a Home and Save – Owning a house can earn you a little savings since owning and maintaining a home shows financial diligence.
  • Onboard Data Collection – Policyholders that allow driving data submission to scrutinize when and where they use their vehicle remotely such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they have good driving habits.
  • Discount for Good Grades – Being a good student may save you up to 25%. The good student discount can last until age 25.
  • Fewer Miles Equal More Savings – Driving less could be rewarded with substantially lower insurance coveragerates.
  • Student Driver Training – Teen drivers should sucessfully take a drivers education course if it’s offered in school.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Auto/Life Discount – Insurance companies who offer life insurance give a discount if you purchase some life insurance in addition to your auto policy.

Please keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most cut specific coverage prices like medical payments or collision. Even though it may seem like you could get a free insurance coverage policy, it doesn’t quite work that way.

Popular insurance coverage companies and their possible discounts are:

  • Geico may include discounts for multi-policy, good student, five-year accident-free, military active duty, air bags, defensive driver, and daytime running lights.
  • Travelers may have discounts that include hybrid/electric vehicle, home ownership, early quote, driver training, multi-car, and IntelliDrive.
  • Farm Bureau discounts include 55 and retired, multi-vehicle, good student, youthful driver, and renewal discount.
  • Liberty Mutual has savings for new move discount, multi-policy, new vehicle discount, exclusive group savings, and safety features.
  • American Family offers discounts including good student, multi-vehicle, early bird, Steer into Savings, and good driver.
  • Progressive policyholders can earn discounts including continuous coverage, online quote discount, multi-policy, good student, multi-vehicle, online signing, and homeowner.

When getting free car insurance quotes, it’s a good idea to all companies you are considering to apply every possible discount. Depending on the company, some discounts may not apply to policies in your area. If you would like to choose from a list of insurance coverage companies with significant discounts, click this link.

Tailor your insurance coverage to you

When choosing coverage, there is no perfect coverage plan. Every situation is different so your insurance needs to address that. For instance, these questions might point out if your situation might need professional guidance.

  • Can I afford low physical damage deductibles?
  • Should I buy additional glass protection?
  • Can I still get insurance after a DUI?
  • How do I file an SR-22 for a DUI in my state?
  • Exactly who is provided coverage by my policy?
  • Should I have a commercial auto policy?
  • I have health insurance so do I need medical payments coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What are the financial responsibility laws in my state?
  • Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Specific coverages for a 1998 Volkswagen New Beetle

Having a good grasp of a auto insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from auto insurance companies.

Liability insurance

Liability insurance can cover damages or injuries you inflict on people or other property. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as attorney fees, repair costs for stationary objects, court costs and funeral expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Auto collision coverage

Collision insurance will pay to fix damage to your New Beetle from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like scraping a guard rail, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, hitting a deer and hail damage. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. 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, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses like ambulance fees, EMT expenses, rehabilitation expenses, prosthetic devices and funeral costs. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Final thoughts

Lower-priced insurance coverage can be purchased both online in addition to local insurance agencies, so you need to quote car insurance with both in order to have the best price selection to choose from. Some insurance coverage companies may not offer price quotes online and many times these small insurance companies prefer to sell through local independent agents.

As you shop your coverage around, it’s not a good idea to buy poor coverage just to save money. There have been many situations where someone sacrificed liability limits or collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at the best possible price while still protecting your assets.

More detailed insurance coverage information can be read in these articles: