View 2001 Volkswagen New Beetle Insurance Cost

Buyers have a choice when searching for the lowest priced Volkswagen New Beetle insurance. They can either waste time contacting agents to get rate comparisons or use the internet to make rate comparisons. There is a better way to find auto insurance online so we’re going to tell you the quickest way to quote coverages for a new or used Volkswagen and find the best price possible from local insurance agents and online providers.

It’s important to compare prices at least once a year because insurance rates are adjusted regularly by insurance companies. Just because you had the best premium rates for New Beetle insurance at your last renewal you can probably find a lower rate today. You can find a lot of information about auto insurance online, but in a few minutes you can learn some tested techniques to put money back in your pocket.

Get cheaper insurance with these tips

Lots of things are considered when pricing auto insurance. A few of the factors are predictable such as your driving record, but some are less apparent such as your credit history and annual miles driven.

  • High claims frequency drives up insurance rates – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Auto insurance companies award better rates to insureds that do not abuse their auto insurance. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Can a thief steal your car? – Choosing to buy a car that has an advanced theft prevention system can get you a discount on your insurance. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent your vehicle from being stolen.
  • High coverage deductibles save money – The deductibles you choose tell how much you are required to spend in the event of a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. Some coverage claims could be collision with another vehicle, collision with a deer, and damage from wind. The more expense you choose to pay out-of-pocket, the less money you will pay for insurance for New Beetle insurance.
  • Know your vehicle’s safety rating – Cars with five star safety ratings cost less to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and lower rates of occupant injuries means lower claim amounts and more competitive rates for policyholders.
  • Always have insurance – Letting your insurance expire can be a guaranteed way to increase your rates. In addition to paying higher rates, failure to provide proof of insurance could result in a revoked license or a big fine. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Your gender affects prices – Statistics show women tend to be less risk to insure than men. It does not mean men are WORSE drivers than women. They both tend to get into auto accidents at about the same rate, but men cause more damage and cost insurance companies more money. In addition to higher claims, males also have more aggressive citations like driving under the influence (DUI).
  • Rates increase with driving citations – Just one moving violation could increase your next policy renewal to the point where it’s not affordable. Drivers with clean records get better prices as compared to careless drivers. Drivers unfortunate enough to have severe tickets like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form with their state’s licensing department in order to prevent their license from being revoked.

The best way we recommend to compare policy rates takes advantage of the fact most of the bigger providers provide online access to provide you with a free rate quote. All you need to do is provide a small amount of information including if the vehicle is leased, if it has an anti-theft system, your general credit rating, and how much coverage you want. Your insurance information is then sent to multiple companies and they return quotes very quickly.

To start a rate quote now, click here and find out if you can get cheaper insurance.

Auto insurance companies offer lots of discounts

Car insurance can cost a lot, but you might be missing out on some discounts that many consumers don’t even know exist. Most are applied at the time you complete a quote, but occassionally some discounts must be asked for before they will apply. If you do not double check each discount you deserve, you are throwing money away.

  • Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions and the ABS can save up to 10%.
  • Club Memberships – Being a member of qualifying clubs or civic groups may earn a discount on auto insurance.
  • Homeowners Savings – Owning a home may trigger a policy discount on auto insurance due to the fact that maintaining a home is proof of financial responsibility.
  • Driving Data Discount – Policyholders that allow driving data collection to track driving patterns through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction as long as the data is positive.
  • Drive Less and Save – Driving less may allow you to get lower rates on the low mileage vehicles.
  • Switch and Save Discount – A few insurance companies allow discounts for buying a new policy prior to the expiration date on your current policy. It can save you around 10%.
  • Bundle and Save – If you combine your homeowners and auto policies and insure them with the same company you could save up to 20% and get you inexpensive insurance coverage.
  • Federal Employees – Having worked for a branch of the government can earn a discount up to 10% for New Beetle insurance with select insurance companies.
  • Theft Deterent – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.

As a sidenote, some credits don’t apply the the whole policy. The majority will only reduce individual premiums such as medical payments or collision. So when the math indicates you could get a free auto insurance policy, companies don’t profit that way. But any discount will positively reduce the cost of your policy.

A few popular companies and some of their more popular discounts can be found below.

  • Progressive policyholders can earn discounts including online signing, good student, homeowner, multi-vehicle, continuous coverage, online quote discount, and multi-policy.
  • SAFECO has savings for teen safe driver, teen safety rewards, bundle discounts, anti-lock brakes, homeowner, and drive less.
  • American Family has discounts for accident-free, early bird, Steer into Savings, air bags, multi-vehicle, mySafetyValet, and TimeAway discount.
  • MetLife offers discounts including good driver, multi-policy, accident-free, good student, claim-free, defensive driver
  • GEICO may have discounts that include anti-lock brakes, military active duty, membership and employees, good student, anti-theft, and seat belt use.
  • The Hartford offers discounts for defensive driver, vehicle fuel type, bundle, driver training, anti-theft, good student, and air bag.

If you need lower rates, check with each company to give you their best rates. Some discounts listed above might not be available to policyholders in your area. If you would like to choose from a list of companies with the best auto insurance discounts, click here to view.

Do I just need basic coverages?

When it comes to buying the best insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions can help discover whether you could use an agent’s help.

  • When should my teen driver be added to my policy?
  • When should I not file a claim?
  • Does liability extend to a camper or trailer?
  • What is UM/UIM insurance?
  • Does my 2001 Volkswagen New Beetle qualify for pleasure use?
  • Are my friends covered when driving my 2001 Volkswagen New Beetle?
  • How can I get my company to pay me more for my totalled car?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Car insurance coverage information

Having a good grasp of a insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like doctor visits, prosthetic devices, pain medications, rehabilitation expenses and nursing services. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, a tree branch falling on your vehicle, falling objects and damage from getting keyed. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability

Liability insurance will cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as medical services, pain and suffering, loss of income and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your 2001 Volkswagen New Beetle.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage protection

This coverage pays for damage to your New Beetle resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, sustaining damage from a pot hole, crashing into a building, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Quote often and quote early

Insureds switch companies for any number of reasons including not issuing a premium refund, questionable increases in premium, policy non-renewal and high rates after DUI convictions. It doesn’t matter what your reason, finding a great new company is not as difficult as it may seem.

Budget-conscious 2001 Volkswagen New Beetle insurance can be purchased both online as well as from insurance agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who don’t offer rates over the internet and usually these small insurance companies prefer to sell through local independent agents.

We covered a lot of techniques to save on 2001 Volkswagen New Beetle insurance. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the lowest prices come from a smaller regional carrier.

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Comments About 2001 Volkswagen New Beetle Insurance

  1. Lenita Anthony

    I compared a lot of rate quotes for a 2001 Volkswagen New Beetle in Chicago, IL. Ended up at about $90 every six months with Auto-Owners. Insured with 21st Century before. It’s still not cheap enough.

  2. Patricia Lawson

    2001 Volkswagen New Beetle + 21st Century = CHEAP! At least inNorth Carolina anyway.

  3. Ione Vang

    I’m in Warwick, Rhode Island. Quoted with MetLife, Esurance, 21st Century, and Auto-Owners for my New Beetle and I think I saved about $20 each month. Insured with Safeco before. I increased coverages a little too. I don’t insure for physical damage though.

  4. Josefina Mason

    Cheap car insurance? What’s that? From northwest of Shreveport, Louisiana. I quoted with Allstate, Auto-Owners, Erie, and The General for my 2001 Volkswagen New Beetle and saved just over $70 a year. Was with Mercury. A clean driving record helps. It was easy to get rates.

  5. Laronda Haley

    Good detail in your article. Located in Miami, FL. Received prices from MetLife, Erie, Progressive, and American Family for my 2001 Volkswagen New Beetle and I think I saved around $30 each month.

  6. Idell Young

    Corporate greed I’m telling you. I live on the north side of Cranston, RI. Got car insurance quotes with Hartford, Amica, Nationwide, and a couple others for my Volkswagen and cut my rates about $60 a year. Left Liberty Mutual to switch. BTW speeding tickets are not good. I used their online quote form to compare rates. Anyone else drop full coverage?

  7. Marguerite Stokes

    Will State Farm raise rates for a windshield claim?

  8. Adam Reynolds

    Live in the southern part of Saint Louis, MO. Compared rates from a lot of places. Saved roughly $30 a month. State Farm was the best choice for me. My new agent seems to be really good. When should I drop full coverage?

  9. Argelia Duncan

    I live in a small town just outside of Kailua, HI. I quoted with Allstate, The General, and Eastwood for my 2001 Volkswagen New Beetle and I’m now saving $18 a month. Left Encompass to switch. Not worth enough to pay for comprehensive and collision.

  10. Sarita Lambert

    In Gaithersburg, MD try Allstate or GEICO. Both had decent prices.

  11. Dorian Walters

    I live in a small town just outside of Lexington, KY. Quoted a bunch of companies. Saved roughly $20 a month. GEICO was the best choice for me. Not sure if rates are cheaper online or through an agent. I don’t have comp or collision coverage.