How Much Does 2000 Volkswagen New Beetle Car Insurance Cost?

Shopping for cheaper auto insurance can seem difficult if you are someone who has never done online price quotes. But don’t just give up because there is an easy way to compare rates.

Finding affordable coverage is easy if you know what you’re doing. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Although consumers must understand the way companies market insurance on the web because it can help you find the best coverage.

How to shop car insurance online

The are a couple different ways to compare rate quotes from different companies. One of the best ways to compare rates involves getting comparison quotes online. This is very easy and can be done in a couple of different ways.

1. The simplest way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This quick form eliminates the need for separate quotation requests for each price estimate. A single form will get you rate comparisons from car insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
2. Another way to analyze rates requires visiting each individual company website and repeat the quote process. For sake of this example, let’s assume you want to compare rates from Auto-Owners, Progressive and American Family. You would have to go to each individual site to enter your coverage information, which can get old fast.

   To view a list of companies in your area, click here.

3. The last method of comparing rate quotes is actually driving to local insurance agencies. Doing it all online eliminates the middleman unless you’re the type of person who wants the professional abilities only provided by licensed agents. You can, however, find lower rates online but buy from a local insurance agent.

It’s your choice how you get your quotes, but make darn sure you compare identical quote data for each price quote. If you have different liability limits it’s not possible to truly determine the lowest rate. Quoting even small variations in coverages may result in a large different in cost. And when price shopping your coverage, getting more free quotes increases the change that you will find lower pricing.

Don’t overlook these auto insurance discounts

Some insurance providers don’t always advertise every available discount in an easy-to-find place, so the list below gives a summary of both the well known in addition to some of the lesser obvious credits that may apply to you.

• Driver’s Education for Students – Require your teen driver to enroll and complete driver’s education in high school.
• Online Discount – Certain larger companies may give you up to $50 for buying a policy and signing up on the internet.
• Renewal Discounts – A few larger companies give discounts for buying a new policy early. You may see this discount when you get auto insurance quotes online.
• Own a Home – Simply owning a home can save a few bucks because owning a home is proof of financial responsibility.
• Military Rewards – Being on active deployment in the military may lower your rates slightly.
• Theft Deterent Discount – Cars with anti-theft systems are stolen less frequently and earn discounts up to 10% off your auto insurance quote.
• Bundle and Save – If you combine your auto and home policies and insure them both with the same insurance company you could earn a discount of over 10 percent off each policy depending on the company.
• Clubs and Organizations – Belonging to certain professional organizations may earn a discount on your bill.
• Include Life Insurance and Save – Some auto insurance companies give a small discount if you purchase life insurance.
• Discounts for Responsible Drivers – Insureds who avoid accidents can save as much as half off their rates for New Beetle coverage than drivers with accidents.

One thing to note about discounts is that most credits do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

Popular auto insurance companies and some of the premium reductions they offer include:

• State Farm has savings for multiple autos, good driver, defensive driving training, good student, passive restraint, student away at school, and accident-free.
• Progressive offers premium reductions for homeowner, online quote discount, multi-vehicle, multi-policy, and online signing.
• Travelers has discounts for driver training, IntelliDrive, multi-car, multi-policy, student away at school, continuous insurance, and new car.
• American Family may include discounts for mySafetyValet, good student, early bird, bundled insurance, and air bags.
• Liberty Mutual may offer discounts for new move discount, teen driver discount, exclusive group savings, hybrid vehicle, and new graduate.

Before you buy a policy, ask every prospective company which discounts can lower your rates. Discounts might not be offered on policies in your state.

Educated choices result in lower insurance costs

Many factors are considered when premium rates are determined. Some are obvious such as traffic violations, but some are not quite as obvious such as whether you are married or your financial responsibility.

• Your address can impact prices – Residing in areas with lower population can be a good thing when shopping for auto insurance. Drivers in populated areas have to deal with traffic congestion and much longer commute distances. Less people means reduced accidents in addition to fewer liability claims.
• Lower annual miles equals lower premium – Driving more miles in a year the more you’ll pay to insure your vehicle. A lot of companies rate vehicles based on how the vehicle is used. Cars that are left in the garage get more affordable rates compared to those used for work or business. Make sure your declarations sheet properly reflects the correct usage. Having an incorrect usage rating on your New Beetle may be wasting your money.
• Five star IIHS safety rating saves money – Safer cars can get you lower premiums. These vehicles help reduce the chance of injuries in an accident and fewer serious injuries means your insurance company pays less and lower rates for you. If your Volkswagen earned 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 are probably receiving a discount.
• Get better rates if married – Walking down the aisle can get you a discount on auto insurance. Marriage usually means you are more mature than a single person it has been statistically shown that being married results in fewer claims.
• Add-on coverages you don’t use – There are many optional add-on coverages that you can buy on your auto insurance policy. Insurance for personal injury protection, death and dismemberment, and term life insurance may not be needed and are just wasting money. The coverages may be enticing when talking to your agent, but now you might not need them so remove them from your policy.
• Rates can drop if you have more than one policy – Most insurers will award a discount for people who consolidate policies with them, otherwise known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even though this discount sounds good, you still need to compare rates to help guarantee you have the best rates.
• Do you know you’re credit history? – An insured’s credit score is a large factor in your rate calculation. Drivers with high credit scores tend to be more responsible than drivers with poor credit. Therefore, if your credit score is low, you could be paying less to insure your 2000 Volkswagen New Beetle by spending a little time repairing your credit.
• Higher premiums for specific vocations – Jobs like doctors, business owners and financial analysts tend to have higher rates than average due to intense work requirements and lots of time spent at work. Other occupations like farmers, athletes and the unemployed have lower than average premiums for New Beetle coverage.

When to get professional advice

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different.

For example, these questions can aid in determining whether or not you could use an agent’s help.

• Is motorclub coverage worth it?
• Does medical payments coverage apply to all occupants?
• Is my 2000 Volkswagen New Beetle covered for flood damage?
• How do I insure my teen driver?
• What is roadside assistance coverage?
• How much liability do I need to cover my assets?
• Am I covered if I break a side mirror?
• Is pleasure use cheaper than using my 2000 Volkswagen New Beetle to commute?
• What can I do if my company denied a claim?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Don’t listen to company ads

Popular insurance providers such as State Farm, Allstate and Geico consistently run television and radio advertisements. All the companies say the same thing that drivers can save some big amount if you get a free auto insurance quote and switch your insurance coverage to their company. How does each company make the same claim? This is how they do it.

Insurance providers provide the lowest rates for the type of insured that earns them a profit. A good example of this type of risk profile should be a married female, has a clean driving record, and drives a safe vehicle. Any driver that meets those criteria will get low car insurance rates and therefore will save some money.

Potential customers who fall outside the “perfect” profile will probably have to pay higher rates which results in the customer buying from someone else. If you listen closely, the ads state “drivers that switch” not “everyone who quotes” will save that much if they switch. That’s why companies can make claims like that. This illustrates why drivers must get a wide range of price quotes. You cannot predict which insurance companies will provide the lowest car insurance rates.

Auto insurance 101

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like ambulance fees, pain medications and surgery. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability coverages

This coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

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 values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like legal defense fees, repair costs for stationary objects, emergency aid, bail bonds and medical services. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

This will pay to fix damage to your New Beetle caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like driving through your garage door, colliding with a tree, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

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

Comprehensive coverage protects against claims like damage from a tornado or hurricane, falling objects and hitting a bird. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

More quotes mean more savings

We covered many ideas to compare 2000 Volkswagen New Beetle insurance premium rates online. The key thing to remember is the more you quote auto insurance, the better likelihood of getting affordable auto insurance. You may be surprised to find that the best price on insurance is with the smaller companies.

People switch companies for many reasons like extreme rates for teen drivers, being labeled a high risk driver, policy non-renewal and even poor customer service. Whatever your reason, finding a new insurance company is pretty simple and you could end up saving a buck or two.

When you buy auto insurance online, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where someone dropped liability limits or collision coverage to discover at claim time that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Even more information can be found in the articles below:

• Side Impact Crash Tests (iihs.org)
• Crash Avoidance Technologies FAQ (iihs.org)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Information for Teen Drivers (Geico)