View 2004 Volkswagen New Beetle Insurance Quotes

Looking for lower insurance rates for your Volkswagen New Beetle? Are you kicking yourself for buying an expensive insurance policy? Trust us when we tell you you’re not alone. Popular companies such as Geico, Farmers Insurance and State Farm continually hit you with ads and it is difficult to sift through the bull and take the time to shop coverage around.

The quickest method we recommend to compare rates is to know the fact all the major auto insurance companies pay for the opportunity to give rate comparisons. The only thing you need to do is give them rating details like whether or not you need a SR-22, if it has an anti-theft system, what your job is, and how old drivers are. That rating information is submitted instantly to insurance carriers in your area and they provide comparison quotes almost instantly.

Get lower rates by receiving discounts

Car insurance is expensive, but you might already qualify for some discounts that can dramatically reduce your bill. Some discounts will apply when you purchase, but some discounts are required to be specially asked for before you will receive the discount.

  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better rates if you take out auto and life insurance together.
  • Claim Free – Claim-free drivers are rewarded with significantly better rates on car insurance quote compared to insureds who have frequent claims or accidents.
  • No Charge for an Accident – This one is not really a discount per se, but some companies like Liberty Mutual, Allstate and State Farm permit an accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Student in College – Kids who attend college more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Discount for Home Ownership – Being a homeowner may earn you a small savings since home ownership is proof that your finances are in order.
  • Discount for Multiple Policies – If you have multiple policies with the same insurance company you could earn a discount of up to 20% off your total premium.
  • Organization Discounts – Affiliation with a professional or civic organization could earn you a nice discount on car insurance.
  • Telematics Discount – Insureds who allow driving data submission to scrutinize when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot could possibly reduce rates if they have good driving habits.

Remember that many deductions do not apply to the entire cost. Most only reduce specific coverage prices like collision or personal injury protection. If you do the math and it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

If you would like to see a list of companies with the best discounts, click here to view.

Four things that influence your insurance prices

It’s important that you understand the factors that go into determining the rates you pay for insurance coverage. When consumers understand what determines premiums, this allows you to make good choices that may reward you with lower premium levels.

  • High stress vocation may mean higher premiums – Occupations such as fire fighters, business owners and dentists tend to have higher premium rates due to high stress and incredibly demanding work hours. On the flip side, jobs such as actors, engineers and performers pay the least for New Beetle insurance.
  • Single drivers take more risk – Walking down the aisle may save some money compared to being single. Having a spouse is viewed as being more financially stable and insurance companies reward insureds because drivers who are married are more cautious.
  • Is your vehicle theft-ready? – Owning a car that has a built-in theft deterrent system can save you some money. Theft deterrent systems like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
  • An active policy claims history can increase rates – Car insurance companies generally give better rates to people who are not frequent claim filers. If you’re an insured who likes to file claims you can look forward to either higher rates or even cancellation. Your car insurance is meant to be used in the event of the large, substantial claims.

Your insurance coverage coverage should be tailored to you

When it comes to choosing the right insurance coverage, there really is no one size fits all plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that might help in determining whether you would benefit from an agent’s advice.

  • Is my 2004 Volkswagen New Beetle covered for flood damage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Are my friends covered when driving my car?
  • Do I have coverage for damage caused while driving under the influence?
  • Should I waive the damage coverage when renting a car?
  • Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Insurance coverage companies are expert advertisers

Consumers can’t get away from all the ads for insurance coverage savings from the likes of Progressive, Allstate and Geico. All the ads convey the message that drivers will save a bundle if you change your insurance coverage coverage to their company.

How does every insurance coverage company give you a lower rate? It’s all in the words they use.

Insurance coverage companies have a preferred profile for the type of customer that will generate a profit. An example of a profitable customer might be a married male, has no tickets, and has a short commute. A propective insured that fits those parameters will get the preferred car insurance rates and have a good chance to save a lot of money.

Drivers who don’t measure up to those standards will be charged a higher premium and business not being written. Company advertisements say “drivers that switch” but not “everyone who gets a quote” save that much when switching. This is how companies can make claims like that.

This really drives home the point why you should get car insurance quotes as often as possible. It’s impossible to know which insurance coverage company will fit you best based on your risk profile.

Car insurance policy specifics

Knowing the specifics of your car insurance policy can help you determine the best coverages for your vehicles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types offered by car insurance companies.

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a deer, a broken windshield and hail damage. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for liability

Liability insurance can cover damage that occurs to other people or property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for 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. You commonly see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair costs for stationary objects, bail bonds, emergency aid, pain and suffering and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like hospital visits, EMT expenses, dental work and chiropractic care. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Volkswagen New Beetle.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

Coverage for collisions

This will pay to fix damage to your New Beetle caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like colliding with another moving vehicle, scraping a guard rail, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Summing up your insurance search

We just showed you a lot of tips how to reduce 2004 Volkswagen New Beetle insurance car insurance rates online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even find the best car insurance rates are with the smaller companies. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Progressive or Geico.

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced liability limits or collision coverage and learned later that the small savings ended up costing them much more. Your focus should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

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