View 2001 Volkswagen New Beetle Car Insurance Quotes

Want cheaper auto insurance rates for your Volkswagen New Beetle? If shopping for car insurance quotes online is new to you, it’s easy to be confused thanks to the vast number local agents and online companies all offering big savings.

Choosing the best insurance company for you is not rocket science. In a nutshell, every driver who is required by state law to have auto insurance will more than likely be able to lower their premiums. But consumers need to have an understanding of how companies price insurance differently.

How much is auto insurance?

To find the best auto insurance rates, there are several ways to compare quotes from all the different companies. The easiest way by far to compare rates involves getting comparison quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. One of the fastest ways to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This easy form prevents you from having to do multiple quote forms for every prospective company. Filling out one form will get you rate comparisons from many national carriers. This is by far the quickest method.
  2. Another way to compare rate quotes is to take the time to go to the website for each individual company to request a price quote. For sake of this example, let’s assume you want rates from Farmers, Liberty Mutual and American Family. In order to compare rates, you need to navigate to each company’s site and type in your information over and over, which can get old fast.

    For a list of companies in your area, click here.

  3. The hardest method to compare price estimates is physically going to local insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you have a need for the trained guidance that can only be provided by a licensed insurance agent. Although you can compare online quotes but purchase the actual policy in an agency.

Compare rates however you want, just ensure you are comparing exactly the same information for each price quote. If each company quotes different deductibles then you won’t be able to determine which rate is truly the best. Slightly different coverage limits could mean much higher rates. Just remember that comparing a large number of companies will enable you to find the best price. Not every company allows you to get quotes online, so it’s important to compare quotes on coverage from those companies, too.

Earn discounts to get lower-cost car insurance quotes

Some insurance providers don’t always advertise every disount available very well, so the list below contains both well-publicized and the harder-to-find discounts that may be available. If you are not receiving all the discounts available, you are just wasting money.

  • Driver Training Discounts – Taking a course that instructs on driving safety can save you 5% or more depending on where you live.
  • Senior Citizen Rates – Mature drivers may receive a slight reduction on a car insurance quote for New Beetle coverage.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper since new vehicles are generally safer.
  • Own a Home and Save – Just owning your own home can help you save on car insurance because owning a home is proof that your finances are in order.
  • Distant Student Discount – Youth drivers who attend college more than 100 miles from home and do not take a car to college can be insured at a reduced rate.

Discounts save money, but please remember that some credits don’t apply to all coverage premiums. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, it just doesn’t work that way. But any discount will lower your car insurance premiums.

A few popular companies and a selection of discounts are shown below.

  • State Farm may offer discounts for driver’s education, student away at school, accident-free, defensive driving training, Drive Safe & Save, multiple policy, and passive restraint.
  • Farmers Insurance offers discounts including early shopping, pay in full, distant student, youthful driver, mature driver, switch companies, and homeowner.
  • Progressive may have discounts that include multi-policy, good student, online signing, continuous coverage, and online quote discount.
  • Geico has discounts for seat belt use, multi-vehicle, anti-theft, good student, emergency military deployment, defensive driver, and multi-policy.
  • Auto-Owners Insurance discounts include teen driver, safe driver, company car, multi-policy, good student, and student away at school.
  • The Hartford offers premium reductions for bundle, driver training, defensive driver, good student, anti-theft, vehicle fuel type, and air bag.
  • Farm Bureau policyholders can earn discounts including multi-policy, renewal discount, youthful driver, safe driver, and multi-vehicle.
  • USAA offers discounts for vehicle storage, loyalty savings, good student, military installation, and family discount.

When comparing rates, check with each company to apply every possible discount. Some credits may not be available in your area. If you would like to see a list of car insurance companies offering car insurance discounts, click this link.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions might point out if you might need professional guidance.

  • Do I have any recourse if my insurance company denies a claim?
  • What is covered by UM/UIM coverage?
  • Do I need rental car coverage?
  • What if I total my 2001 Volkswagen New Beetle and owe more than it’s worth?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered by my spouse’s policy after a separation?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form.

Seven factors that determine insurance costs

The best way to find cheaper insurance is to take a look at the different types of things that are used to determine insurance rates. If you know what influences your rates, this enables informed choices that can help you get cheaper rates.

The items below are a few of the things that factor into your premiums.

  • Don’t cancel your insurance without a new one in place – Going without insurance is a fast way to trigger a rate increase. And not only will insurance be more expensive, getting caught without coverage can result in a revoked license or a big fine.
  • A good credit rating can save money – Your credit rating can be an important factor in determining premium rates. Drivers who have good credit tend to be better risks to insure as compared to drivers with lower credit ratings. Therefore, if your credit score is not that good, you could potentially save money when insuring your 2001 Volkswagen New Beetle by improving your rating.
  • You might have higher prices if you are single – Your spouse can get you a discount when buying insurance. Having a spouse may mean you are more responsible and insurance companies like that drivers who are married file infrequent claims.
  • Liability insurance claims can be big – Liability coverage is the coverage that protects you if ever a court rules you are at fault for causing damage or personal injury in an accident. This coverage provides you with a defense in court which can cost a lot. Carrying liability coverage is mandatory and cheap compared to comp and collision, so buy as much as you can afford.
  • Choose high NHTSA crash test ratings and save – Safe vehicles get lower rates. Safer cars reduce the chance of injuries and lower rates of occupant injuries translates into savings for insurance companies and lower rates for you. If your Volkswagen New Beetle is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
  • Job impacts insurance rates – Do you have a high-stress occupation? Occupations such as fire fighterspolice officers and stock brokers usually pay higher average rates because of intense work-related stress and lots of time spent at work. Conversely, careers like actors, engineers and performers get better rates for New Beetle coverage.
  • Advanced alarms and GPS tracking – Selecting a car model with a theft deterrent system can earn a premium discount. Theft deterrent systems such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.

Ads can be misleading

Companies like Progressive, Allstate and Geico endlessly run television, radio, and online ads. They all seem to make the promise that you can save if you switch your auto insurance coverage to their company. How is it possible that every company can make the same claim? Here is how they do it.

Insurance providers quote the lowest rates for the type of driver that will not have excessive claims. One example of a profitable customer might be described as over age 30, has no tickets, and has excellent credit. A propective insured who matches those parameters will get very good rates and will most likely cut their rates substantially.

Consumers who don’t meet this stringent profile will probably have to pay a more expensive rate and the prospect going elsewhere. If you pay attention, the ads say “drivers who switch” but not “everyone who gets a quote” save that much money. That is how insurance companies can state the savings. This illustrates why drivers must compare price quotes frequently. It’s just not possible to know which auto insurance company will provide you with the cheapest rates.

Car insurance coverages for a 2001 Volkswagen New Beetle

Knowing the specifics of auto insurance can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Liability coverage

This coverage can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as repair bills for other people’s vehicles, structural damage and medical expenses. How much coverage you buy is up to you, but buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Volkswagen New Beetle.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills such as X-ray expenses, funeral costs, nursing services, rehabilitation expenses and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like rolling your car, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, rock chips in glass and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Compare but don’t skimp

We just showed you a lot of techniques to get a better price on 2001 Volkswagen New Beetle insurance. The key thing to remember is the more rate quotes you have, the better your comparison will be. Drivers may discover the lowest rates come from a small mutual company.

As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice collision coverage only to discover later that the savings was not a smart move. Your strategy should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Consumers change insurance companies for a number of reasons such as denial of a claim, high rates after DUI convictions, questionable increases in premium and lack of trust in their agent. It doesn’t matter what your reason, finding a new insurance coverage company is pretty simple and you could end up saving a buck or two.

Additional information is located at the links below