Consumers have many options when looking for the best price on Volkswagen New Beetle insurance. They can either waste time driving around to get rate comparisons or utilize the internet to compare rates.
There are more efficient ways to compare car insurance rates so you’re going to learn the absolute fastest way to price shop coverage on a Volkswagen and obtain the best price possible from both online companies and local agents.
Car insurance can cost a lot, but discounts can save money and there are some available that many consumers don’t even know exist. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be requested specifically before you get the savings.
Just know that some of the credits will not apply to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, you won’t be that lucky. But any discount will help lower the cost of coverage.
Some companies who may offer most of the discounts above may include but are not limited to:
When comparing rates, check with each company or agent to give you their best rates. A few discounts might not be offered in every state.
There are a variety of methods to compare car insurance prices and some are less time-consuming than others. You could spend the better part of a day driving to agents in your area, or you can utilize the web to get the quickest rates.
Most car insurance companies participate in an industry program that enables customers to only type in their quote data once, and each company provides a quote for coverage. This eliminates the need for quote requests to each individual car insurance company. To access this free quoting program, click here to open in new window.
The single downside to pricing coverage this way is that you can’t choose which providers to get pricing from. So if you prefer to pick specific insurance companies to compare prices, we have a listing of low cost car insurance companies in your area. Click here to view list.
Whichever way you use, try to use the exact same coverages and limits on every quote. If each company quotes different deductibles it will be impossible to make a fair comparison for your Volkswagen New Beetle.
When choosing coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.
These are some specific questions may help highlight if you may require specific advice.
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.
Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.
Medical expense insurance
Coverage for medical payments and/or PIP reimburse you for expenses such as prosthetic devices, EMT expenses, chiropractic care and nursing services. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Collision protection
Collision insurance will pay to fix damage to your New Beetle resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims like backing into a parked car, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.
Comprehensive (Other than Collision)
This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like damage from a tornado or hurricane, theft, fire damage, hitting a deer and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.
Coverage for liability
This protects you from injuries or damage you cause to other people or property in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.
Liability insurance covers claims such as repair bills for other people’s vehicles, court costs, loss of income, legal defense fees and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.
When shopping online for insurance coverage, do not skimp on critical coverages to save a buck or two. In many cases, drivers have reduced liability coverage limits and found out when filing a claim that it was a big error on their part. Your aim should be to purchase a proper amount of coverage for the lowest price, but do not skimp to save money.
We covered some good ideas how to save on 1999 Volkswagen New Beetle insurance. The key concept to understand is the more providers you compare, the higher your chance of finding low cost auto insurance. You may even discover the lowest car insurance rates come from a smaller regional carrier.
More affordable insurance coverage is available on the web as well as from insurance agents, so you should compare both to get a complete price analysis. Some insurance companies may not have online rate quotes and these small, regional companies sell through local independent agencies.
Additional detailed information can be read in the articles below: