2008 Volkswagen New Beetle Insurance Quotes – 10 Discounts for Cheapest Rates

Expensive auto insurance can bleed your monthly budget and make it impossible to make ends meet. Getting a rate comparison can be a smart way to tighten up your finances.

Many auto insurance companies vie for your hard-earned dollar, so it’s not easy to compare every company to discover the definitive lowest price

How to get the cheapest insurance coverage

Performing a rate comparison can be exhausting if you aren’t aware of the best way to get rate quotes. You can spend your afternoon driving to insurance companies in your area, or you can utilize online quotes to maximize your effort.

The majority of car insurance companies participate in an industry program where insurance shoppers enter their policy data once, and at least one company can provide price quotes for coverage. This system prevents you from having to do quote forms for each company.

To compare pricing click here to start a free quote.

One minor caviat to doing it this way is you don’t know exactly the providers to get quotes from. So if you prefer to choose individual companies to receive pricing from, we have a page of insurance coverage companies in your area. Click here to view list.

Whichever way you choose to compare rates, make darn sure you compare the exact same quote data with each company. If you are comparing different limits and deductibles on each one you can’t possibly make a fair comparison for your Volkswagen New Beetle. Having just a slight variation in insurance coverages could skew the results. Just remember that comparing more company’s prices will increase your chances of finding a lower rate than you’re paying now. Some companies don’t provide online rate quotes, so you need to compare price quotes from them, too.

Your situation helps dictate your coverage

When choosing the best auto insurance coverage for your personal vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions can aid in determining whether you might need professional guidance.

  • Should I put collision coverage on all my vehicles?
  • Is upholstery damage covered by car insurance?
  • Am I covered when delivering products for my home-based business?
  • When do I need to add a new car to my policy?
  • Is motorclub coverage worth it?
  • What is an SR-22 filing?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered if I drive in a foreign country?
  • Are all vehicle passengers covered by medical payments coverage?

If you can’t answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Car insurance coverages for a Volkswagen New Beetle

Understanding the coverages of car insurance can be of help when determining which coverages you need for your vehicles. Car insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverage types found on the average car insurance policy.

Liability car insurance – This coverage can cover damages or injuries you inflict on other people or property that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like pain and suffering, court costs and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Volkswagen New Beetle.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for funeral costs, X-ray expenses, chiropractic care and doctor visits. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision coverages – Collision insurance will pay to fix damage to your New Beetle from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with a tree, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for 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 such as hitting a deer, hitting a bird, hail damage, falling objects and vandalism. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.