1998 Volkswagen New Beetle Insurance Rates

Did a good deal turn out to be an overpriced insurance coverage policy? Don’t feel bad because many consumers are in the same pinch.

Online insurance companies like State Farm, Allstate, Geico and Progressive continually hit you with fancy advertisements and it can be hard to ignore the promise of big savings and find the best price available.

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you is not that difficult. Although car owners do need to learn how insurance companies sell online and apply this information to your search.

Compare insurance rates

The majority of larger companies provide pricing directly from their websites. This process is very simple because it’s just a matter of typing in the coverage amounts you desire as detailed in the form. When the form is submitted, the company’s rating system automatically retrieves reports for credit and driving violations and generates a price based on these and other factors. Online price quotes simplifies rate comparisons, but the work required to visit a lot of sites and type in your information is monotonous and tiresome. But it’s absolutely necessary to get many rate quotes if you want to find better prices.

The quickest way to get multiple rate quotes uses one simple form that obtains quotes from a bunch of companies at once. It saves time, helps eliminate reptitive entry, and makes online price comparison much easier. After sending your information, your coverage is rated and you are able to buy your choice of the price quotes you receive.

If you find a better price you simply finish the application and purchase the new policy. This process can be completed in a matter of minutes and you’ll know if lower rates are available.

To compare pricing, click here and complete the simple form. If you have coverage now, it’s recommended that you enter your coverages as close as possible to your current policy. This guarantees you’re receiving a fair comparison for similar insurance coverage.

Auto insurance companies offer many discounts

Companies that sell car insurance don’t list every discount very clearly, so the following list contains both well-publicized as well as the least known discounts you could be receiving when you buy insurance online.

• Multi-Vehicle Discounts – Insuring multiple vehicles on one policy could earn a price break for each car.
• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could save 15% on the premium charged for medical payments and/or PIP.
• Military Deployment Discount – Being on active deployment in the military may qualify for rate reductions.
• Membership in Organizations – Belonging to a professional or civic organization could earn you a nice discount on auto insurance.
• First Accident Forgiveness – This one is not really a discount per se, but certain companies will allow you to have one accident before your rates go up so long as you are claim-free for a particular time prior to the accident.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to the cost of specific coverages such as comprehensive or collision. Despite the appearance that all those discounts means the company will pay you, it’s just not the way it works.

A list of auto insurance companies and their possible discounts are shown below.

• Travelers has discounts for IntelliDrive, multi-car, good student, driver training, student away at school, and early quote.
• 21st Century offers discounts for good student, early bird, defensive driver, driver training, and theft prevention.
• State Farm offers discounts including defensive driving training, accident-free, Drive Safe & Save, student away at school, driver’s education, and good student.
• Geico may have discounts that include military active duty, emergency military deployment, driver training, anti-lock brakes, federal employee, air bags, and five-year accident-free.
• SAFECO may offer discounts for teen safety rewards, multi-car, anti-lock brakes, anti-theft, bundle discounts, safe driver, and teen safe driver.
• AAA has savings for AAA membership discount, good driver, multi-policy, anti-theft, multi-car, education and occupation, and good student.

When getting free insurance quotes, it’s a good idea to each company the best way to save money. Some of the earlier mentioned discounts may not apply to policies in your area. To choose insurers with the best discounts, click here.

Decisions you make can impact your insurance rates

The best way to find cheaper auto insurance is to take a look at some of the things that play a part in calculating your premiums. If you have some idea of what determines premiums, this allows you to make educated decisions that will entitle you to big savings. Lots of things are used when pricing auto insurance. Some of the criteria are obvious such as your driving record, but others are more transparent like your vehicle usage or how financially stable you are.

• Higher comp and collision deductibles lower premiums – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. A few examples of covered claims are a windshield shattered by a rock, vandalism, and windstorm damage. The deductibles you choose define the amount you are required to pay if a claim is determined to be covered. The more expense the insured is willing to pay, the less your auto insurance will be for New Beetle coverage.
• Tickets increase premiums – Having a clean driving record impacts your car insurance rates tremendously. Attentive drivers get better rates as compared to those with violations. Even a single speeding ticket can bump up the cost twenty percent or more. Drivers who get careless tickets like hit and run, DWI or reckless driving convictions might be required by their state to file a SR-22 with their state’s department of motor vehicles in order to keep their license.
• Stay claim-free and save – If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Auto insurance companies award cheaper rates to drivers who file claims infrequently. Auto insurance is intended for claims that you cannot pay yourself.
• Safer vehicles cost less to insure – Safer cars get lower rates. Vehicles built for safety have better occupant injury protection and any reduction in injury severity means your insurance company pays less and lower rates for you. If your Volkswagen New Beetle has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
• Women pay lower premiums – Over the last 30 years, statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. They both are responsible for accidents at about the same rate, but men cause more damage and cost insurance companies more money. Not only that, but men also get ticketed for serious violations such as reckless driving. Young males tend to get in the most accidents so it costs more to insure them.
• Put fewer miles on your vehicle – Driving more miles annually the more you’ll pay to insure your vehicle. Most insurance companies calculate rates partially by how you use the vehicle. Vehicles not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your New Beetle may be costing you higher rates. Double check that your vehicle rating is showing the correct usage.
• Premiums may be lower depending on your employer – Careers like doctorsair traffic controllers and miners generally have higher average rates because of intense work requirements and long work days. On the other hand, occupations such as farmers, students and performers receive lower rates for New Beetle coverage.

Do I just need basic coverages?

When choosing the best auto insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your situation might need professional guidance.

• Can my teen driver be rated on a liability-only vehicle?
• Is a blown tire covered by insurance?
• What discounts do I qualify for?
• Does coverage extend to Mexico or Canada?
• Should I buy additional glass protection?
• Why am I required to get a high-risk car insurance policy?
• When should I remove comp and collision on my 1998 Volkswagen New Beetle?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Auto insurance coverages and their meanings

Having a good grasp of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types offered by auto insurance companies.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally these limits are set the same as your liablity limits.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as rehabilitation expenses, nursing services and X-ray expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability insurance will cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as attorney fees, legal defense fees and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Collision coverage protection

Collision coverage covers damage to your New Beetle resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as scraping a guard rail, hitting a mailbox, colliding with another moving vehicle, crashing into a ditch and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from a tornado or hurricane, vandalism and damage from flooding. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Shop around and save

There are still a few companies who may not offer rate quotes online regional carriers provide coverage only through local independent agents. Cost effective 1998 Volkswagen New Beetle insurance is possible from both online companies in addition to local insurance agencies, and you need to price shop both to have the best selection.

We just showed you a lot of techniques to shop for 1998 Volkswagen New Beetle insurance online. The key concept to understand is the more providers you compare, the better your chances of lowering your auto insurance rates. You may be surprised to find that the lowest priced car insurance comes from a lesser-known regional company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

As you quote insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. In many cases, an insured cut liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage at the lowest possible cost, but do not skimp to save money.

To learn more, feel free to visit the resources below:

• Avoiding Deer Collisions (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)