1999 Volkswagen New Beetle Insurance Quotes – 9 Ideas for Best Rates

Finding cheaper coverage rates on car insurance is always difficult for drivers who have little experience online rate comparisons. With dozens of companies competing online, it can easily turn into a difficult situation to locate the lowest coverage rates.

Buying car insurance is not rocket science. If you currently have a car insurance policy, you will most likely be able to save some money using these tips. But car owners need to have an understanding of how the larger insurance companies sell insurance online and use this information to your advantage.

Insurance coverage discounts help lower rates

Insurance can be prohibitively expensive, but you may be missing some discounts to cut the cost considerably. Many of these discounts will be applied automatically at the time of quoting, but once in a while a discount must be specifically requested before you get the savings.

• One Accident Forgiven – but companies like Geico, Progressive, and Allstate will forgive one accident before they charge you more for coverage if you are claim-free for a set time period.
• New Car Discount – Adding a new car to your policy can be considerably cheaper since newer vehicles have better safety ratings.
• Claim Free – Claim-free drivers have much lower rates in comparison with drivers with a long claim history.
• Multi-Vehicle Discounts – Having multiple cars or trucks with the same insurance coverage company qualifies for this discount.
• Discounts for Federal Employees – Active or former government employment could qualify for a slight premium decrease for New Beetle coverage depending on your company.
• Drive Less and Save – Low annual miles could be rewarded with lower prices due to less chance of an accident.
• Lower Rates for Military – Being deployed in the military could qualify you for better insurance coverage rates.
• Organization Discounts – Participating in a civic or occupational organization could trigger savings on your next renewal.
• Discount for Life Insurance – Insurance carriers who offer life insurance give lower prices if you buy some life insurance in addition to your auto policy.

One thing to note about discounts is that most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. Despite the appearance that adding up those discounts means a free policy, it’s just not the way it works.

Large insurance coverage companies and some of the discounts are outlined below.

• State Farm policyholders can earn discounts including student away at school, multiple autos, safe vehicle, driver’s education, and anti-theft.
• Progressive has discounts for online signing, continuous coverage, homeowner, multi-policy, good student, and online quote discount.
• Progressive discounts include homeowner, good student, multi-policy, multi-vehicle, and online signing.
• MetLife may include discounts for good driver, claim-free, accident-free, defensive driver, multi-policy, good student
• Farm Bureau offers discounts including safe driver, youthful driver, multi-vehicle, 55 and retired, and multi-policy.
• Geico may offer discounts for emergency military deployment, air bags, federal employee, seat belt use, five-year accident-free, and multi-vehicle.
• SAFECO includes discounts for teen safety rewards, anti-lock brakes, accident prevention training, teen safe driver, and homeowner.

Before buying, ask each insurance company which discounts they offer. Some of the discounts discussed earlier may not apply to policyholders in every state. If you would like to see a list of insurers with significant discounts, follow this link.

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First Step: Get free insurance quotes

The are a couple different ways to compare prices from different insurance companies. The fastest way to do a complete rate comparison consists of obtaining rate quotes online. This can be accomplished by using one of the methods below.

The recommended way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This type of form eliminates the need for repetitive form entry for each company you want a rate for. One form will get you price quotes direct from many companies. Just one form and you’re done.

A less efficient way to compare prices is going to the website for every company you want to comare to request a price quote. For instance, let’s say you want to compare prices for Farmers, Progressive and American Family. To find out each rate you need to spend time going to each site individually and type in your information over and over, which is not fast way to get rate quotes.

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

The least efficient method to compare rates is calling or driving to insurance agents’ offices. Shopping for insurance online makes this unnecessary unless you require the personal advice that can only be provided by a licensed insurance agent. Although you can obtain prices from the web but have a local agent actually write the policy.

You can use whichever method you prefer to find lower rates, just ensure you are comparing apples-to-apples coverage data with every price quote. If your comparisons have different coverage information you will not be able to make a fair rate comparison. Just a small difference in insurance coverages can mean a large discrepancy in price. And when comparison shopping, comparing a large number of companies helps improve the odds of finding a lower rate than you’re paying now. Some insurance companies are not set up to provide online quotes, so it’s important to also get rates on coverage from those companies, too.

Which is the best insurance?

When it comes to buying proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine if you could use an agent’s help.

• Is my state a no-fault state?
• Is my camper covered by my car insurance policy?
• Does my 1999 Volkswagen New Beetle need full coverage?
• Why am I required to buy high-risk coverage?
• Why am I required to get a high-risk car insurance policy?
• Am I covered if hit by an uninsured driver?
• Will filing a claim cost me more?
• Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Coverage specifics

Understanding the coverages of your car insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a ditch, sustaining damage from a pot hole, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Auto liability

Liability insurance provides protection from damage that occurs to other people or property. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers claims such as attorney fees, pain and suffering, court costs, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like chiropractic care, hospital visits, nursing services and pain medications. They are often used to fill the gap from your health insurance program or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your 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 important protection for you and your family.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from getting keyed, fire damage and hitting a bird. The highest amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

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Saving money makes a lot of cents

While you’re price shopping online, it’s a bad idea to reduce needed coverages to save money. There are a lot of situations where drivers have reduced collision coverage and learned later that the small savings ended up costing them much more. Your focus should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

We just presented a lot of information how to lower your 1999 Volkswagen New Beetle insurance car insurance rates. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the best price on insurance coverage is with a small local company.

Consumers who switch companies do it for any number of reasons including high prices, an unsatisfactory settlement offer, questionable increases in premium or even unfair underwriting practices. It doesn’t matter why you want to switch choosing a new company is pretty simple and you could end up saving a buck or two.

Additional learning opportunities

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Auto Crash Statistics (Insurance Information Insitute)
• What is Full Coverage? (Allstate)

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