Save on 2003 Volkswagen New Beetle Insurance Quotes

Looking for lower insurance rates for your Volkswagen New Beetle? Wish you could get a refund on high-priced insurance? Don’t sweat it because many drivers feel the same as you.

Due to the increasing number of insurance companies to choose from, it is hard for the average consumer to locate the most cost effective insurance provider.

Consumers should take time to take a look at other company’s rates every six months since prices tend to go up over time. Even if you got the lowest rates for New Beetle coverage six months ago a different company probably has better rate quotes today. There are a lot of ways to save on insurance on the web, but in just a couple of minutes you can learn a bunch of ideas how to stop overpaying for insurance.

Compare insurance coverage price quotes

To find low cost quotes, there are a couple of ways to obtain and compare prices from insurance coverage companies in your area. The best method to comparison shop is simply to get online rate quotes. It’s really quite simple and can be done in a couple minutes as outlined below.

The easiest and least time consuming way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This form keeps you from doing repetitive form submissions for every insurance coverage company. Completing one form will return quotes from insurance coverage companies with the best prices.

A different way to compare rate quotes requires you to visit the website of each company to complete a price quote. For examples sake, let’s say you want rates from Progressive, 21st Century and Liberty Mutual. In order to get each rate, you would have to go to each individual site to enter your coverage information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but do your best to use nearly identical quote data on every quote. If you use different deductibles you will not be able to determine which company has the best rates. Just slight variations in limits could throw off the whole comparison. Just keep in mind that comparing a large number of companies provides better odds of finding lower pricing. Some regional insurers cannot provide prices over the internet, so it’s necessary to compare prices from them, too.

More affordable rates with discounts

Insurance can be prohibitively expensive, but you might be missing out on some discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you complete an application, but a few must be requested specifically in order for you to get them.

  • Full Payment Discount – By paying your policy upfront rather than spreading payments over time you can actually save on your bill.
  • Discount for Swiching Early – Some car insurance companies reward drivers for switching companies early. You can save around 10% with this discount.
  • Discounts for Responsible Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for New Beetle coverage than their less cautious counterparts.
  • Active Service Discounts – Having a family member in the military could be rewarded with lower rates.
  • Policy Bundle Discount – If you insure your home and vehicles with the same company they may give you a discount of approximately 10% to 15%.
  • Telematics Data Discounts – Drivers who agree to allow companies to scrutinize vehicle usage by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if their driving habits are good.

Policy discounts save money, but most of the big mark downs will not be given to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though you would think you could get a free car insurance policy, you’re out of luck.

Popular car insurance companies and a partial list of their discounts are outlined below.

  • State Farm may have discounts that include accident-free, safe vehicle, driver’s education, Drive Safe & Save, good student, and defensive driving training.
  • Liberty Mutual includes discounts for new move discount, multi-policy, exclusive group savings, teen driver discount, new graduate, and preferred payment discount.
  • American Family offers discounts for good driver, good student, accident-free, bundled insurance, and air bags.
  • Progressive offers discounts including online quote discount, multi-policy, continuous coverage, online signing, multi-vehicle, and good student.
  • Farmers Insurance may offer discounts for homeowner, bundle discounts, switch companies, teen driver, alternative fuel, and early shopping.
  • Auto-Owners Insurance may include discounts for air bags, group or association, mature driver, teen driver, and paid in full.
  • SAFECO has discounts for anti-theft, multi-car, accident prevention training, bundle discounts, and anti-lock brakes.

When getting free insurance coverage quotes, it’s a good idea to all the companies how you can save money. Depending on the company, some discounts may not apply to policies in your area. If you would like to see a list of insurers with discount car insurance rates, click here to view.

What is the best car insurance coverage?

When it comes to buying coverage for your vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions can help discover whether you could use an agent’s help.

  • What vehicles should carry emergency assistance coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I buy more coverage than the required minimum liability coverage?
  • Will filing a claim cost me more?
  • Can I still get insurance after a DUI?
  • Is my ex-spouse still covered by my policy?
  • Can I rent a car in Mexico?
  • How much liability do I need to cover my assets?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I buy additional glass protection?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Auto insurance specifics

Knowing the specifics of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverages available from auto insurance companies.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like pain medications, EMT expenses, funeral costs and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability insurance

Liability insurance protects you from damage that occurs to other people or property. This insurance 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. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as emergency aid, pain and suffering, repair costs for stationary objects, funeral expenses and loss of income. How much coverage you buy is up to you, but buy higher limits if possible.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like colliding with a tree, sustaining damage from a pot hole, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your 2003 Volkswagen New Beetle.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from a tornado or hurricane, hitting a deer and a broken windshield. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

One last thing

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. In too many instances, someone dropped uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at the lowest possible cost, not the least amount of coverage.

A few companies may not have the ability to get quotes online and these smaller providers prefer to sell through independent agents. Cheaper car insurance can be bought from both online companies as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from.

Much more information about car insurance can be found on the following sites: