2010 Volkswagen New Beetle Insurance Cost

Looking for better car insurance rates for your Volkswagen New Beetle? Having to pay for pricey car insurance can overdraw your checking account and possibly require postponing other expenditures. You have so many car insurance companies to buy insurance from, and although it’s nice to have a choice, so many choices can make it hard to find a good deal.

Buying car insurance is easy if you know what you’re doing. If you currently have car insurance, you should be able to lower your premiums substantially using these tips. Drivers only need an understanding of the most efficient way to compare rates over the internet.

Compare auto insurance rates

There are a variety of methods to shop for auto insurance, but there is one way that is less labor-intensive and much quicker. You can spend your afternoon talking to agents in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Most major companies take part in a program where prospective buyers submit one quote, and each company then gives them pricing based on the submitted data. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To access this free quoting program, click here (opens in new window).

One minor caviat to using this type of form is you don’t know exactly which carriers you want pricing from. So if you want to choose specific providers to compare rates, we have a page of companies who write auto insurance in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but try to keep the same coverage limits and deductibles for each comparison quote. If you are comparing mixed coverages it will be nearly impossible to find the best deal for your Volkswagen New Beetle.

Do you qualify for discount car insurance?

Car insurance is not cheap nor is it fun to buy but you may find discounts to help bring down the price. Certain discounts will be triggered automatically at the time of quoting, but a few must be specially asked for before you get the savings. If you are not receiving all the discounts possible, you are not getting the best rate possible.

  • Telematics Data Discounts – Drivers who agree to allow driving data submission to track driving patterns by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks as long as the data is positive.
  • Life Insurance Discount – Insurance companies who offer life insurance give a discount if you purchase some life insurance in addition to your auto policy.
  • Own a Home and Save – Owning your own home or condo may earn you a small savings since owning and maintaining a home requires a higher level of personal finance.
  • Multi-policy Discount – If you can combine your home and auto policy and insure them both with the same insurance company you may save up to 20% off your total premium.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. This discount can apply up to age 25.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on New Beetle insurance with a few car insurance companies.
  • Discount for Low Mileage – Low annual miles could be rewarded with substantially lower prices.
  • Responsible Drivers – Safe drivers can pay as much as 50% less on New Beetle insurance compared to rates paid by drivers with frequent claims.

It’s important to note that some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as medical payments or collision. So when it seems like you could get a free car insurance policy, insurance companies wouldn’t stay in business.

If you would like to see a list of insurers with the best car insurance discounts, click this link.

What insurance coverages do I need?

When it comes to buying the best insurance coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions may help you determine whether your personal situation could use an agent’s help.

  • Why am I required to buy liability insurance?
  • Do I need more liability coverage?
  • Does my car insurance cover rental cars?
  • How much liability coverage do I need in my state?
  • How high should my uninsured/underinsured coverage be in my state?
  • Can I make deliveries for my home business?
  • Is my custom paint covered by insurance?
  • Is upholstery damage covered by car insurance?
  • Is my Volkswagen New Beetle covered if I use it for business?
  • Does my 2010 Volkswagen New Beetle qualify for pleasure use?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Why you might pay inflated rates

Consumers need to have an understanding of some of the factors that come into play when calculating the price you pay for insurance coverage. When consumers understand what determines premiums, this allows you to make good choices that may reward you with much lower annual insurance costs.

The itemized list below are a partial list of the pieces utilized by car insurance companies to help set premiums.

  • Discounts for auto and home policies – Some insurance coverage companies provide lower prices to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can be as much as ten percent or more Even though this discount sounds good, it’s in your best interest to compare other insurance prices to confirm you are receiving the best rates possible. Consumers may save more without the discount by buying insurance from more than one company.
  • Pleasure use saves money – Driving more miles annually the more you will pay for insurance coverage. Most companies rate vehicles based upon how much you drive. Autos not used for work or commuting receive better premium rates than those used for commuting. It’s a good idea to make sure your insurance coverage coverage reflects the correct usage for each vehicle, because improper ratings can cost you money. Incorrect rating for your New Beetle can cost quite a bit.
  • Your location is important – Having an address in a small town is a good thing when talking about insurance coverage. People who live in big cities tend to have more traffic problems and longer commutes to work. Less people means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Youthful driver insurance premiums – Older drivers are shown to be more cautious, statistically cause fewer accidents and get fewer tickets.Drivers with little experience are proven to get distracted easily when driving therefore insurance coverage rates are much higher.
  • Employer stress can make you pay more – Occupational choices like judgesairline pilots and dentists generally pay the highest average rates because of stressful work requirements and long work hours. On the other hand, careers like professors, athletes and retirees have lower than average premiums on New Beetle insurance.
  • Eliminate unneeded incidental coverages – There are many additional extra coverages that you can buy when buying insurance coverage. Insurance for things like vanishing deductibles, towing, and additional equipment coverage are examples of these. They may sound like good ideas when talking to your agent, but your money might be better spent on other coverage so think about removing them and cutting costs.
  • Being married brings a discount – Being married may save some money on your policy. It translates into being more stable financially and insurance companies reward insureds because drivers who are married are more cautious.

Educate yourself about insurance coverages

Having a good grasp of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverages found on the average insurance policy.

Comprehensive protection – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as rock chips in glass, hail damage, damage from getting keyed, hitting a deer and damage from a tornado or hurricane. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage – This provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your 2010 Volkswagen New Beetle.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for hospital visits, prosthetic devices and chiropractic care. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverages – This will pay to fix damage to your New Beetle resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a building, colliding with another moving vehicle, crashing into a ditch and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Coverage for liability – Liability coverage can cover injuries or damage you cause to other people or property in an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like medical services, funeral expenses, attorney fees and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Summing up your car insurance search

We just showed you some good ideas how to save on 2010 Volkswagen New Beetle insurance. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest auto insurance rates are with a smaller regional carrier. Regional companies may only write in your state and offer lower premium rates compared to the large companies like Progressive and Geico.

Discount 2010 Volkswagen New Beetle insurance is possible both online and with local insurance agents, and you should be comparing both to have the best selection. A few companies don’t offer online price quotes and many times these smaller providers prefer to sell through independent agencies.

When trying to cut insurance costs, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many situations where an insured cut liability coverage limits only to regret they didn’t have enough coverage. Your strategy should be to purchase plenty of coverage at an affordable rate.

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