2002 Volkswagen New Beetle Car Insurance Quotes

Buyers have a choice when searching for the lowest priced Volkswagen New Beetle insurance. They can either waste time driving around to compare prices or use the internet to compare rates. There are more efficient ways to find car insurance online so we’re going to tell you the absolute fastest way to get price quotes on a Volkswagen and find the best price possible from both online companies and local agents.

What determines Volkswagen New Beetle insurance costs?

The best way to find cheaper insurance coverage is to take a look at some of the elements that play a part in calculating insurance coverage rates. When consumers understand what influences your rates, this enables informed choices that could result in cheaper rates.

• Too many insurance claims drive up prices – If you file claims often, you can expect increased rates or even have your policy non-renewed. Auto insurance companies provide the best rates to policyholders that do not abuse their auto insurance. Auto insurance is intended to be relied upon for claims that you cannot pay yourself.
• Policy add-ons may be wasting money – Insurance companies have many additional extra coverages that you can buy when buying insurance coverage. Coverage for things like replacement cost coverage, accident forgiveness, and term life insurance are examples of these. They may sound like good ideas initially, but if you’ve never needed them in the past think about removing them and cutting costs.
• How many coverages with the same company – Most major companies apply discounts to insureds who carry more than one policy, otherwise known as a multi-policy discount. This can amount to as much as ten percent or more If you currently are using one company, it’s in your best interest to compare other company rates to ensure the best deal. Consumers may find lower rates by buying from different companies
• Liability protection – The liability coverage on your policy kicks in when you are ruled to be at fault for an accident. Your policy’s liability insurance provides you with a defense in court which can cost thousands of dollars. Liability is cheap compared to comp and collision, so insureds should have plenty of protection for their assets.
• Annual mileage and car insurance rates – The more you drive in a year’s time the higher the price you pay to insure it. The majority of insurers calculate rates based on their usage. Cars and trucks not used for work or commuting receive better premium rates than vehicles that have high annual mileage. Make sure your insurance coverage policy properly reflects the right rating data. Incorrect rating for your New Beetle may be costing you.
• Always keep your insurance coverage policy in force – Not having insurance is not a good idea and insurance coverage companies will penalize you for letting your insurance lapse. And not only will your rates increase, getting caught without coverage might get you fines or a revoked license. You may then have to file a SR-22 with your state motor vehicle department.
• Get better premiums after the wedding – Having a spouse may earn you lower rates on insurance coverage. It generally demonstrates drivers are more mature and responsible and it’s statistically proven that married drivers tend to have fewer serious accidents.
• Insurance coverage rates and your vocation – Did you know that where you work can have an impact on rates? Occupations like fire fighterspolice officers and emergency personnel tend to have the highest average rates in part from intense work situations and lots of time spent away from family. On the other hand, professions such as professors, students and performers receive lower rates for New Beetle insurance.

Lower rate quotes with these discounts

Insurance coverage is easily one of your largest bills, but there could be available discounts that you may not know about. A few discounts will be applied when you quote, but a few need to be manually applied in order for you to get them. If you check and find you aren’t receiving every discount possible, you are throwing money away.

• Accident Free – Claim-free drivers can save substantially compared to accident-prone drivers.
• Passenger Safety Discount – Vehicles with factory air bags or motorized seat belts may get savings of more than 20%.
• Save with a New Car – Adding a new car to your policy is cheaper since newer models are generally safer.
• Drive Less and Save – Fewer annual miles on your Volkswagen may allow you to get cheaper premium rates.
• Defensive Driver Discounts – Participating in a course teaching defensive driver skills could earn you a small percentage discount and make you a better driver.
• First Accident Forgiveness – Not really a discount, but a handful of insurance companies will forgive one accident without getting socked with a rate hike as long as you don’t have any claims prior to being involved in the accident.
• Good Student – Being a good student may save as much as 25% on a insurance coverage quote. Most companies allow this discount well after school through age 25.
• Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes can reduce accidents so companies give up to a 10% discount.
• Distant Student Discount – Any of your kids living away from home attending college without a vehicle on campus could get you a discount.
• Multiple Cars – Insuring multiple vehicles on a single policy could earn a price break for each car.

One thing to note about discounts is that most discount credits are not given to the overall cost of the policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

To locate insurance companies with the best discounts, click this link.

Insurance can be complex

When it comes to choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different.

For example, these questions may help highlight whether your personal situation would benefit from professional advice.

• Can my teen driver be rated on a liability-only vehicle?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• What can I do if my company denied a claim?
• Is extra glass coverage worth it?
• What is high-risk coverage and where do I buy it?
• What is the difference between comprehensive and collision coverage?
• Where can I get insurance after a DUI in my state?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Insurance coverage considerations

Learning about specific coverages of a insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage protection

Collision insurance covers damage to your New Beetle caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as backing into a parked car, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability coverages

Liability coverage provides protection from damage that occurs to other’s property or people. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things like medical services, emergency aid and bail bonds. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as X-ray expenses, rehabilitation expenses and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Volkswagen New Beetle.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a deer, damage from a tornado or hurricane and fire damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

At the end of the day…

Lower-priced insurance is definitely available online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide internet price quotes and these small insurance companies only sell coverage through independent agents.

Throughout this article, we presented some good ideas how you can lower your 2002 Volkswagen New Beetle insurance premium rates. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the lowest premium rates come from a small local company.

When trying to cut insurance costs, you should never buy poor coverage just to save money. In many cases, someone dropped full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible for the lowest price but still have enough coverage for asset protection.

Additional detailed information can be read by following these links:

• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Vehicle Insurance in the U.S. (Wikipedia)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)